BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected by the XXXX  XXXX XXXX  in XX/XX/XXXX. I applied for and was approved for a forbearance plan under Ocwen in XX/XX/XXXX. My loan was transferred to PHH who was scheduled to service the loan on XX/XX/XXXX. On said date, I contacted PHH to make a payment and was told my loan didn't transfer over. After several calls through out XXXX, finally in XX/XX/XXXX, my loan was transferred and I was told I now owed for XXXX and XXXX, although I was originally told no payments were due for XXXX. I made two payments in XXXX to bring my loan current and was placed on a trial modification for 6 months, which I adhered to each and every month by calling and speaking with an agent to make payments. I was told in XX/XX/XXXX that closer to the end of trial modification, I would receive paperwork tht would provide options available to me to cure the three months that I was on the forbearance plan. I inquired about said paperwork in XXXX and XXXX and was informed that because the company is very far behind, that I would have to continue making payments as I have been doing so and they will get around to my file and send out said paperwork. On XX/XX/XXXX I received a Notice of intent foreclose, dated on XXXX XXXX, XXXX, and postmarked on XX/XX/XXXX. I immediately contacted PHH upon receipt of said notice and after hours and hours and several different supervisors and employees, I spoke with a supervisor of the escalations department and was was informed that I did not need to worry about the foreclosure paperwork as I had been paying as I should have under the trial modification, and that PHH would submit a request to have my account reviewed as they are very behind on mailing out the paperwork. On XX/XX/XXXX, I tried to make a payment as I had been doing so for the past 5 months and was told that they would not accept a payment as I had to bring the entire account current in order to accept a payment. I requested a supervisor and was told one would call me back, as of today, I am still waiting for a call back even after calling three more times since XX/XX/XXXX. Most recently, I called and requested to speak with someone for answers on XX/XX/XXXX and have yet to receive a resolution. I was informed that now that there is no modification on my account, although I received statements with modification trial payment listed. Again, I was placed on a trial modification plan, yet at the end of the trial plan, was given no alternative option to cure the outstanding balance other than pay an amount that is twice the amount of what it should be. I need help in getting this severe error with my account resolved as this is affecting me in every way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Opened a case with CFPB in XXXX of XXXX. It was resolved on XX/XX/XXXX when XXXX XXXXXXXX XXXX XXXX- responded stating their apologizes and admitted the account was not ours and they would be having it removed from all credit reports immediately. It has now been almost 6 months and they are still reporting it as a collection in Equafax. We have tried disputing it with Equafax several times with no luck, using the letters provided to us by XXXX XXXX on the CFPB website. We want this account removed! It is stopping is from obtaining a mortgage during these hard times. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
It all started on XX/XX/2019, when I provided my XXXX XXXX credit card information to the sales representative XXXX over the phone. He processed my payment and said it was all approved. He did provide me with a copy of my receipt for this transaction. He was supposed to provide me with the quantity of tiles I am being charged for, grout, cement and labor. He said he ordered the flooring. Flooring reached them on XX/XX/19. The sales rep gave me XXXX number who was going to do the installation. XXXX was unable to start the job right away. The job was completed on XX/XX/2019. By that time I had already made my first payment to XXXX XXXX. The tile installer that worked for XXXX did not speak English. He removed all the quarter rounds from my kitchen, dining room, hallway, bathrooms and laundry room. I though XXXX XXXX was going to replace those with new ones when the tiling was complete. When XXXX arrived he said his guy had thrown away all my wooden base boards and that I would have to buy new ones and get them installed. When I had spoken to XXXX he said XXXX XXXX would be replacing all those as part of the tiling. When his guy was doing my tiling he damaged my door frames and also scratched my tub when he placed the toilet in there. The tiling job was not done to our expectations. There were uneven spaces in between the tiles. Some tiles were chipped. In the kitchen the tiling was not done all the way up to the dishwasher. There were some damaged tile in the laundry room. I called XXXX XXXX, opened up a dispute. I spoke to XXXX from XXXX XXXX. She sent an inspector out on XX/XX/19. He took pictures and said he will send it to their customer care department. I have not heard from them since. The entire house flooring has uneven spaces between the tile and cement. I have had three professional contractors come out and take a look at the tiling job and they even said its not even spacing. XXXX  XXXX needs to redo my entire house tiling or I am not paying for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. 

I have late payments for multiple months on my Equifax, XXXX, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to close my account and pay it off. 

Please assist me with updating my account so that it may include on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Every Month my account was insufficient due to fees they was charging me and I had to pay XXXX of dollars

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid off a XXXX dept and my score keeps going down. I is supposed to go up when you pay off a debt. It has gone down 10 points every month in the last two months. that is 20 points in two month. You pay off a debt it is supposed to go up. It has gone from XXXX to XXXX for no reason. 

They also refuse to take off a fraudulent debt XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: N.A.R., Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXXXXXX XXXX credit card debt total of {$1400.00}. 
They were transfered to a collection company called NAR ( North American Recovery ). I recently paid the amount in full on Friday the XXXX of XXXX. I called and requested a letter of confirmation of payment made by the collection agency but they failed to do so. They told me to call the original credit company XXXXXXXX XXXX  but was asked to give NAR a call back since they were dealing with the debt collection. They took me back and forth and nothing was resolved. They failed to send me a confirmation letter confirming that I have paid the debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 8 accounts that are appearing on my credit report that do not belong to me I have already reached out to the bureaus and have not received anything back. These accounts DO NOT BELONG TO ME they are not mine I have not applied for these nor have I signed for these. 

XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$2000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$5200.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$8400.00} Opened XXXX XXXX, XXXX XXXX  - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX {$4200.00} Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  - Acct # XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX - Acct # XXXX XXXX {$2200.00} Opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/21 I used a phone number that I googled and believed to be the Wayfair credit card payment line to pay my recent credit card bill. I made the payment and was told I would receive a statement of the payment, but it was never sent. On XX/XX/21 I received a suspicious phone call saying that my transaction had not been completed and that I still owed them my bill. When I called number listed on my bill, I was told that my account was now overdue and was not directed to a customer service representative to resolve the issue. I am confused because each time I call, I have a different answer. They either say they can't find my account or that I owe a debt. I also don't understand why I can't get a customer representative to help me. When I was able to find one on XX/XX/21. I feel that I have been scammed. I don't know if my information was stolen or if there is a glitch in Wayfair 's system

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Consumer Financial Protection Bureau, Nissan Motor Acceptance Corporation ( NMAC ) stated in their response to my complaint CFPB file # XXXX that NMAC has no record of receiving any payment for {$410.00} in XX/XX/2020 and that the account is being reported accurately as charged off with # XXXX they also said that they have no affiliation with the credit reporting agencies and does not determine the information each credit bureau select to report and requested that i contact XXXX  directly to dispute the fraudulent credit reporting. 
Well i have disputed directly the fraudulent credit reporting with XXXX. 
XXXX  responded and told me that they do not report anything on the consumer 's file without the data furnisher requesting them to do so. NMAC is the data furnisher in this case. So according to XXXX  NMAC has reported a payment of {$410.00} on the account in XX/XX/2020 and a payment of {$410.00} on XX/XX/2020. 
Please note that i am not complaining about the status of this account but it is unlawful for NMAC to report false information on my credit report and deny it.

i have sent a certified mail with return to NMAC disputing these fraudulent charges which has been delivered but i haven't heard back from them. 
i have attached copies to this complaint for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing because of an issue I am having with a debt buyer/collection agency currently reporting information on my consumer credit files. 
I initiated a dispute in late XX/XX/2019, less than 15 days ago with the CRA 's and the debt buyer/collection agency wrote me a letter stating that while they are investigating my dispute, I had to write them a letter stating that the account was in dispute. I saw this as an attempt to stall and/or delay the investigation requested by myself as well as potentially seeking to circumvent FCRA requirements in reporting by making duplicate demands to draw my time and or resources. 

The original dispute calls for an investigation and documentation, as the debt is unknown to me and therefore challenged. The company responded that while they are investigating they require my request of investigation otherwise they will not investigate. This is nothing more than asking for what they already received to waste my time. 

I replied to them by latter and would like to request the CFPB to mediate this matter thereby maintaining transparency and holding company to account for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In or around XX/XX/2018, my account was overdrawn, however, Wells Fargo continued to assess fees and process payments on the account. On or about XX/XX/XXXX, Wells Fargo debited my already negative account to transfer funds into a Traditional IRA, which caused me even more harm and fees to my account. Mind you, the account XXXX and they decided to transfer funds from a checking account with no money to a Traditional IRA. I spoke to someone in the executive office who claims everything was done through ACH, versus a transfer. Meanwhile, I asked them to reverse all of this because the action caused me to add another {$60.00} in overdraft fees. Wells Fargo 's response to me was go in the branch and do a withdrawal, but to my knowledge and understanding of that account, I would get a tax liability for an early distribution, plus the negative fees already assessed. Because of their actions, they have caused further irreparable harm to me, which would consistently increase the fees on the account. The irony here, is that when my account was overdrawn almost {$700.00} in the month of XXXX, the bank continued to honor payments, but by the end of the month of XXXX, the account was given funds, and it was overdrawn, however, the bank covered no payments, but just added almost {$600.00} in fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXXXXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish A account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Pinnacle Credit Services, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I sent out a validation letter to Pinnacle LLC/ XXXX   for 2 collections in the amount of XXXX $ and XXXX $ dollars that they say I owe. I requested their offices to provide me with competent evidence that I have any legal obligation to pay them or If they can prove I owe the debt.I also included if their offices are able to provide the proper documentation as requested I will require at least 30 days to investigate the information and if your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file of all 3 major credit bureaus XXXX, XXXX, and XXXX and a copy of such deletion request shall be sent to me immediately. They received the letter on XX/XX/2018 at XXXX 40 days ago and they have yet to Validate the debt they say I owe. So I'm asking you all to please help me to get a response to deletion of these accounts that was not properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Social Finance, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I enlisted XXXX to assist me with credit card relief/negotiations. One organization they are helping me with is SoFi. I have two loans through them. 

On XX/XX/21 I sent Sofi two certified letters requesting they cease communication with me save for the US postal service. The letters also instructed them that I am working with XXXX to settle the debts. 

Starting on XX/XX/21 XXXX has called me 3 times a day, 6 days a week, at approximately XXXX, XXXX, and XXXX. These calls still ongoing as I write this complaint on XX/XX/21. This, to date, is XXXX phone calls just to me in addition to at least 7 calls to my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citibank charged {$39.00} over-the-limit fee on my Citi Professional Card. The Credit Card Accountability Responsibility and Disclosure Act of 2009, card issuers can not charge this fee unless cardholders opt in to allow the issuer to approve transactions that push them over their credit limit. I had never opted in to allow Citi to approve transactions over my credit limit. I called Citi and they said it was part of the conditions in the terms and they have the permission. I then asked to opt out and asked them to decline any future transactions if there is no sufficient credit available. They said they do not have that option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Today I received an alert from XX/XX/XXXXthat my Victoria 's Secret Comenity Store card dropped my credit limit for no reason. When I called Comenity, I was told by XXXX, XXXX and XXXX ( Supervisor ) that they received a notice from the credit bureau and they dropped my limited from {$400.00} to {$100.00}. I have been with them since 2016. Years of on time payments and no late payments. I had not used the card in almost a year. I have not received any notice from Comenity as to why the limit was decreased. I contacted XX/XX/XXXXand they told me that they advised me they do not report back to the credit card companies. Comenity advised me to write in a dispute to the credit bureau but I do not know what I am suppose to be disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, We are writing this letter in response to the trial modification that has been proposed. Based on the information given with the calculations in place this file should have been considered quite differently. We have not as of this day, received an explanation as to how the calculations have been calculated. The income Gross total is {$12000.00} the total Net income is {$12000.00}. The total PITI payment on this loan is {$7900.00} which gives us a HTI of 65 %. The question remains, how are we supposed to make a payment that is more than the current only to increase the HTI to a high 70 %. ( Please see submission with Loan Restructure Proposal attachment ) We feel as if they have been bullied into accepting the trial modification for fear of losing their home to foreclosure. We have lost a considerable amount of income due to Covid19 when we had to close their business. The business is still not on track and not producing the income to support more than what is being made to put back into the business to keep the doors open. At this time we are requesting the calculations that the underwriter used to calculate this trial agreement. In addition, the property evaluation came in at between $ XXXX {$910000.00} ( please see XXXX attachment ) the surrounding homes in the comps are distinctly less Valued. We are concerned that the evaluation was wrongfully appraised for the lenders benefit. 
Please review the attached documents showing the actual income and DTI/HTI. We are looking for explanations that allow for a 2nd look at the numbers that were calculate and come to a more favorable resolution.

Company response to consumer: Closed with explanation