BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1 ) The mortgage servicer PHH Mortgage formerly Ocwen Loan Servicing, LLC had accepted and confirmed the submission for XXXX XXXX XXXX loan modification file on XX/XX/XXXX. 

2 ) PHH Mortgage formerly Ocwen Loan Servicing, LLC approved the trial modification on XX/XX/XXXX. XXXX XXXX made an completed all three trial payments dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ocwen Loan Servicing, LLC, currently PHH Mortgage did not send the final modification agreement ; however, XXXX XXXX always continued to make his payment with fail. 

3 ) PHH Mortgage, formerly Ocwen Loan Servicing, LLC realized in late XX/XX/XXXX that the final modification was not delivered to XXXX XXXX. PHH Mortgage allegedly then issued the final modification agreement in late XXXX and asked for XXXX XXXX to send back immediately. The modification agreement was not delivered within the time requested for document to be returned. Instead XXXX XXXX received agreement in mid to late XXXX. Upon receiving XXXX XXXX then called PHH Mortgage, and explained the situation. PHH Mortgage representative XXXX id # XXXX confirmed with XXXX XXXX that they would accept the final signed agreement because of the mix up and he would have no further problems. 

XXXX XXXX XXXX XXXX returned agreement as instructed and continued to make scheduled payment. However, PHH Mortgage cancelled the modification because, documents were not received per date on agreement ; and set a scheduled sale date. Although PHH Mortgage representative confirmed agreement would be accepted, as it was no fault of XXXX XXXX for the delayed return. 

5 ) When XXXX XXXX contested PHH Mortgage actions his funds were returned, and PHH has continued to push the sale date of XX/XX/XXXX. 

6 ) PHH Mortgage stated they would review and except Final modification once again ; however what PHH Mortgage did was place a new sale date in system for XX/XX/XXXX. 

7 ) PHH Mortgage waited until XX/XX/XXXX to once again deny the Final Modification previously signed and executed correctly. PHH Mortgage did this to keep the position of foreclosure sale date in place for XX/XX/XXXX. 

8 ) PHH Mortgage then suggested to send in new RMA application which they were going to fax and never did. PHH Mortgage stated they would postpone sale date due to the errors on this file ; confirmed by Customer Relations team agent XXXX ID # XXXX of PHH Mortgage. PHH Mortgage has not suspended or postponed sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, I am creating this complaint because I am attempting to remove negative items from my credit report that I have no recognition of. I have explained to all 3 credit bureaus Experian, XXXX and XXXX of the following accounts inaccuracies and for them to be removed. They responded that the information was accurate and it will remain on my report. 

Account Inaccuracies : Account # XXXX XXXX XXXX XXXX XXXX  XXXX .... 

Account # XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX .... 

*These XXXX accounts were identified as fraud and I have asked for them to be removed across all XXXX bureaus if they can not provide any information that these accounts were in fact mine. 

Account # XXXX XXXX XXXX XXXX .... 

*This account was categorized with the XXXX accounts above and was removed by Experian. Neither XXXX or XXXX has removed the account. 

Residence Inaccuracies : Another reason I believe that this information is inaccurate because there are multiple addresses across each bureau that I have never used for credit purposes. 

Address # XXXX : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Address # XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX Inquiry Inaccuracies : Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX *These inquires are not reporting to all 3 bureau and I do not recall Inquiring about these loans/cards. I asked for these to be removed because I claimed these as fraud.

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 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have made many attempts to rectify this situation with the credit agencies and XXXX XXXX. This account does not belong to me. I have asked XXXX XXXX to send proof that this account belongs to me and they have failed to do that. I have submitted a FTC Fraud Affidavit to XXXX XXXX and they have failed to remove this account from my credit file. This account was not opened by me. This account is perhaps a mistake in identity or deliberate fraud. Please remove from my credit profile or provide me with proof that this account was opened by me.

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 2019-07-07
Company: Ability Recovery Services, LLC
State: OH
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:
Ability recovery has sent a computer generated copy of an order for that is not a validation of credit. Any Esignature must also have a wet signature. 
Esignature documents must have Name Address Social DOb attach to make form legal. 

This e signature doesn't have a XXXX address ip address or any Digital certificates

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 2020-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
In XXXX and XX/XX/2020 I was late on payments on my XXXX loan due to covid and my decrease in hours. This showed a negative report on my credit report

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 2019-07-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The official AnnualCreditReport website is intended to be an easily accessible way for consumers to review their credit reports from Equifax, XXXX, and XXXX  each year. After entering my personal information on this website on XX/XX/2019, including my social security number, I was immediately notified by all three credit bureaus that they are unable to deliver my credit report online for some unexplained reason, and instead simply redirected me to either a phone number or a postal address. I could have reached out via these channels on my own without having to visit the AnnualCreditReport website and entering my SSN -- so what is the purpose of the AnnualCreditReport website? It seems to me that the credit bureaus are only on the AnnualCreditReport website to make it seem as though they are transparent and easy to reach, while they really are discouraging access to information by creating unnecessary hurdles for consumers to jump through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I allowed my niece transferred funds into my account from her account because she lost her debit card. I went into the branch to withdraw the funds and the branch manager locked my account. Ive been willing to bring my niece with her bank documents and Id but they wont allow it. Ive asked for them to close my account and return my money they wont. The branch manger is refusing to unlock my account and give me the money. Ive called US bank and they said that specific branch is the only one that can unlock it. Its been a month and my account is still locked. I havent gotten any letters or anything

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 2019-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX has sent a computer generated copy of an order for that is not a validation of credit. Any Esignature must also have a wet signature. 
Esignature documents must have Name Address Social DOb attach to make form legal. 

This e signature doesn't have a XXXX address ip address or any Digital certificates

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 2018-01-25
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I spoke with a paralegal rep by the name of XXXX @ Pressler & Pressler , LLP ATTORNEY AT LAW XXXX XXXX XXXX, XXXX, NJ XXXX Office # ( XXXX ) XXXX Toll Free Fax : ( XXXX ) XXXX or ( XXXX ) XXXX I ask this ( ( XXXX ) ), why in fact I have not received ALL payments receipts nor any kind of notifications from this collection agency since XX/XX/XXXX & that the last notification was from Attorney XXXX XXXX which is a copy of the letter to the Courts of canceling/withdraw our court date XX/XX/XXXX @ Mag. Dist No : XXXX, XXXX Name : Honorable XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX  tele : ( XXXX ) XXXX .. in which I was being sued from XXXX XXXX , XXXX in the matter of their client : XXXX XXXX XXXX XXXX XXXX a/k /a XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I have trouble with in the past year has been rude and totally disrespectful as to my many complaints to this firm simply hung up on me and I call right back and requested the same and which to receive so with the help of CFPB please.. as to the fact that I am up to date with payment to this collection agency and I have no payment record keeping of my own as proof of all payment from this firm ..keep in mind if the firm follows policy of their own we will not have to trouble one another in the future this is not right as I was told I would property review a bill in the mail with the due date and balance of record from this collection agency .. 
Question : HOW AM I TO KNOW WHAT I HAVE PAID AND HOW MUCH IS OWED IF THIS FIRM DOES NOT GIVE ME PROOF AS PROMISED.. 
IF THEY CAN TAKE MY PAYMENTS ON A MONTHLY BASE THEY NEED TO SEND AND HONOR MY REQUEST ASAP.., AS THIS IS LAW.. AND MY RIGHT.. 
this is in their records and this is my formal request as to I will NOT make anymore payments to this collection agency cause I will move forward and dispute the entire debt collections as to their default on their agreement... 

Docket No : XXXX Case Filed : XX/XX/XXXX Pressler & Pressler File #, Account # or Docket # ( ( ( XXXX ) ) ) PRESSLER & PRESSLER , LLP : ( ( ( XXXX XXXX XXXX a/k/a XXXX ) )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I am a resident of XXXX XXXX. Our island was hit by Hurricane Maria in XX/XX/XXXX. That was the month the residual on my lease was due of which I was unaware. The bank never sent a letter or called me to inform me of this. First Bank which is the lender, sent out an email informing customers that due to the impact of the hurricane they would not charge the monthly payments to customers. Since my lease was auto pay, it stopped during XX/XX/XXXX and XX/XX/XXXX, but it was not due to their hurrican relief effort, it was because the {$12000.00} residual was due and they never informed me. I only became aware when I received collections calls. I left the island to be with family in XX/XX/XXXX so I was unable to do anything. Once I returned the last week of XX/XX/XXXX, I traded the car in for another one.  But they had already reported my lease 60 days past due, adversely impacting my credit score. In  addition, they made daily collections calls during that time, even when I explained my problem over and over, resulting in emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Earlier today, I went to Citi 's website to close one of our credit card accounts. I was disappointed to see that " secure Message Center '' feature is not available, to communicate with Citi and have a secure environment to facilitate this. 

I proceeded to start a chat session. While chatting with the agent, I was kicked out of the session reporting inactivity detected.

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 2019-07-07
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX has sent a computer generated copy of an order for that is not a validation of credit. Any Esignature must also have a wet signature. 
Esignature documents must have Name Address Social DOb attach to make form legal. 

This e signature doesn't have a XXXX address ip address or any Digital certificates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got in contact with Credit Consulting Services , Inc. collection agency, I told them I want to pay my debts regarding to hospital bills, but at the time I ask for the letter agreement they denied to provide because they said they don't do that, when they provide to me the amount of the full payoff I notice they charge interest ad very high which I do not remember sign any contract saying I will pay for interest in case I can't pay at that time. The first 2 persons I talk to from the agency collection argue different excuse and make pressure on me to obligate me to pay the amount they said, explain to me I not allowed to pay the accounts I want and telling me if I want to pay should be as a package bundle, all amounts at once. The only account beg to them for detailed explanation is that one from republic services which after 3 weeks I didn't receive any notice. All this happen at the last day of mach 2021, I went to their office to talk with the person in charge of that office, in our conversation she said charging little bit less than 10 % in interest I respond to her isn't true is almost the 20 % and she quote " you know have until XX/XX/XXXX to pay the amount we said. and get away with out answer my other concerns. In the different conversation I have with different persons in there include the in charge of my account named XXXX its being many lies and different answers to my questions from every single of them, although I told them I consult the government website regarding my rights as debtor, they try to rip me off charging interest to debts which they shouldn't. The only ting I want to pay the debts. other thing they have being doing is reporting false information to companies as XXXX XXXX  showing inflating amounts of those debs. Last year my wife did partial payments to tis office which the share very high interest and they did not clarify to me. The last thing I request to them is copy of the paper I sign and they respond they not going to do 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 2019-07-07
Company: EQUIFAX, INC.
State: VA
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 several hard inquiries on my report that I did not authorize to run my credit report. I have never done business with any of these companies and did not apply for credit. Below are the the inquiries and dates '' XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Card Service XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX of XXXX, XXXX XXXX XXXX  ( XXXX ) withdrew XXXX dollars from my account for no service provided as of yet. My email was spammed with phishing emails and no valid numbers or emails. These were to be credited back to account After an email was provided included invalid emails sent through a portal not controlled by XXXX. They did not credit my account instead they continued to keep withdrawin another XXXX dollars using my debit card without my authorization. I had to have a new debit card re-issued. This was a trial run using XXXX. 
A dispute was issued and monies were credited returned to my account by Navy Federal Credit Union ( NFCU ). 
Several request were made to have copies of merchant response sent to me so I could respond. This information was witheld from me to-date no merchant response received. This bought the attention of the dispute department and appeals or cco resolution. 
Navy Federal Credit Union allow theft of my funds from account through use of my debit card by XXXX. No proof was not shown that leads were valid and that an investigation insued for the return of my funds. Instead an email was sent they Will release funds merchant on XX/XX/XXXX. Even after I provide all the supporting documents in my favor and possession to NFCU XXXX RESOLUTION but they denied my dispute and denied my an appeal. As well as allowed someone named XXXX And XXXX XXXX to open a savings account using my address. After bringing this to accounting fraud department attention I got an email they were returning funds to XXXX. This put my account in the negative and I had 'to take from a personal joint account to cover my payroll to my XXXX XXXX. I will report this IRS to transparent about my business account. 
Also this XXXX was reported to Federal Trade Commission for deceptive trade practices and fraud emails phishing spamming and theft of my money using my debit card unauthorized during a trial period of less than 30 days and withdraw after account closure requested with 30 day period for Since opening my business account it has been pristine and well maintained and managed. {$560.00} and {$84.00} must be redeposited to my account because of unauthorized amounts. 
My account was cancelled within 30days due to poor customer service and failure to credit back account for invalid emails and unauthorized debit from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: PERL MORTGAGE
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREAU DEAR SIRS ON OR AROUND XX/XX/XXXX I ENTERED INTO AN AGREEMENT WITH XXXX XXXX, A BROKER AGENT OF PERL MORTGAGE INC TO PURCHASE A HOME AT XXXX XXXX XXXX IN XXXX XXXX, CALIFORNIA XXXX. THIS WAS AN HECM TYPE LOAN, OTHERWISE KNOWN AS A REVERSE MORTGAGE. MR. XXXX SET UP THE LOAN THROUGH XXXX XXXX XXXX. I EXPLAINED TO HIM MY FINANCIAL SITUATION GOING FORWARD AS I AM XXXX  AND WANTED TO MAKE SURE I HAD ACCESS TO FUNDS TO PAY EVERYDAY EXSPENSES. MR. XXXX ASSURED ME THAT XXXX XXXX XXXX WOULD CONTAIN THESE THREE PROVISIONS, TO PAY TAXES, INSURANCE, AND ALLOW ME TO RECEIVE FUNDS. HE ADVISED ME THAT I SHOULD GO WITH A FIX RATE WHICH AFTER 6 MONTHS WOULD GIVE ME FUNDS ON DEMAND AND THAT HE WAS WORKING WITH XXXX XXXX AND THEY WOULD CORRECT THIS ISSUE AND HE WOULD GET BACK TO ME. IN MY LAST CONVERSATION IN EARLY XX/XX/XXXX MR. XXXX CONFIRMED TO ME THAT XXXX XXXX WOULD PAY THE TAXES AND INSURANCE AND AFTER SIX MONTHS I WOULD HAVE MONEY DEPOSITED INTO MY ACCOUNT WITHIN ONE WEEK NOTICE FROM THE BANK. 
IN LATE XXXX I RECEIVED NOTICE THAT TAXES WERE UNPAID. VERY CONCERNED I CONTACTED PERL MORTGAGE CONCERNING THIS PROBLEM REGARDING THE TAXES AND TO WITHDRAW FUNDS IN TO MY ACCOUNT. MR. XXXX SAID HE WAS WORKING WITH XXXX XXXX XXXX  TO REWRITE THE LOAN TO WHAT HE PROMISED. 
MR. XXXX AS OF THIS COMMMUNICATION HAS YET TO RETURN OR TAKE MY CALLS. I CALLED MR. XXXX MANY TIMES TO ASK HIM IF I SHOULD PAY TAXES DUE XX/XX/XXXX, BUT HE HAS NEVER RETURNED MY CALL. 
I HAVE TRIED TO COMMUNICATE WITH XXXX XXXX  FOR INFO REGARDING MY LOAN, BUT THEIR REPLY WAS THAT THEY HAD NO ACCESS TO MY RECORDS FROM PERL MORTGAGE AND COULD NOT DISCUSS THE LOAN WITH ME. I HOPE THAT YOU CAN HELP ME WITH THIS SITUATION. 

YOURS TRULY

Company response to consumer: Untimely response
Consumer complaint received 2019-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have contacted the companies and the Transunion in reference to 2 hard inquires reporting on my credit report that I did not authorize or request credit from. They are as follows : XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/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