BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-01
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Today, XX/XX/XXXX, I called Ocwen Mortgage where we have a HELOC to understand why they reported we missed a payment. We have automatic withdrawal set up with Ocwen so tno payment would be late or missed. The automated service stated my last payment was received on XX/XX/XXXX and the next payment was due on " XX/XX/XXXX '' which did not make sense if the payment was taken. According to Ocwen all payments are automatically withdrawn on the XXXX of each month. This was also noted as the withdrawal date in our account. I spoke with the representative, # XXXX, who stated that my XX/XX/XXXX payment of {$380.00}, was not taken due to insufficient funds. Then told me I was behind on my XX/XX/XXXX payment which I didn't understand because the automated service noted they withdrew an automated payment on XX/XX/XXXX. While speaking with the representative I pulled up my bank account which clearly showed there was no activity on my account on XX/XX/XXXX and my balance was over {$850.00} on XX/XX/XXXX and over {$3000.00} on XX/XX/XXXX. Ocwen never attempted the payment on XX/XX/XXXX as agreed then stated it was my banks fault. I called the bank who stated Ocwen never made an attempt according to their records and on XX/XX/XXXX I had over {$850.00} in my account which was more than enough to cover the {$380.00}. Today is XX/XX/XXXX and my payment should come out today, as of this moment they still have not taken that money out of my account. They note in my account record the " payment due date '' and " payment received date '' as the XXXX of each month. This is not true. When looking into the issue of the XX/XX/XXXX payment, their record shows in my account it was received on XX/XX/XXXX and they did a " payment reversal '' for the {$380.00} on XX/XX/XXXX. This makes no sense. My credit score went down 100 points! Please help. I can send the account information, bank statement, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
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: Account information incorrect

Complaint:
A default judgment is appearing as a collection account on XXXX, TRANSUNION, AND XXXX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, XXXX XXXX acct. no. 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 2021-02-20
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX oXXXX XXXX, I complained to your bureau because AmeriSave was taking so long to process a refi. Your file for the complaint is XXXX. It's now late XXXX and AmeriSave has yet to complete the loan and every few days, after being told the loan file is complete and has been sent to underwriting, I get yet another email demanding updated info that I supplied to them again and again, with no end in sight. Included in those emails are demands for information that do not even correspond with the type of business I operate, suggesting that whoever is in charge does not know what they are doing. They delay and delay, and then tell me they can not process the loan without yet another round of P & L 's and bank statements. I would recommend this company only to someone I hate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, 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:
Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit again and there are still some stuff on there that is not mine. I have reached out to the FTC and to my local police department and I am doing this on my own. Please remove them from my credit report so I can go back to school and make a better life for my family. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Loancare LLC several times and sent written correspondence asking them to review my Escrow and adjust to accurately reflect my property taxes. Loancare can not connect me directly with an Escrow department representative. So, their approach is to " send an E-Mail ''. This has resulted in No action. I have a surplus that should also be refunded to me. Their customer service representative fails to ensure that my request is being escalated - they did not even have a record of a conversation from a previous call where they said they would escalate this issue to the escrow department. This lack of support is an accurate reflection of ALL the complaints logged against Loancare LLC. This is a pathetic and incompetent organization.

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 2021-04-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian Credit Report Changes Addresses added to XXXX Identity theft Money Mule Scheme/ Do not use XXXX  XXXX  needs to stop making changes. 
XXXX and XXXX XXXX are accessing my credit reports-locking and unlocking Experian. 
Deleted addresses, emails, phone numbers from my credit reports. 
Deleted dark web information alert. 

Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-26
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over 90 days ago, I wrote to the Aargon Collection Agency. I requested proof of validation. I have not received any correspondence. I have sent three follow-up letters, to no avail.

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the letters and dates as evidence of my requests. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed.

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 2021-04-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and Transunion are reporting incorrectly the XXXX XXXX partial account number XXXX as ( 120 ) days past due. ( Please see page 4 of the attached credit report. ) This account does not belong to me. I do not know who XXXX XXXX is. This trade line item recently appeared on my credit report. This incorrect reporting is harming my credit score and this item needs to be removed. I have contacted the ( 2 ) bureaus to resolve this, however I have been unsuccessful.

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 2020-10-10
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft, accounts were opened with out my knowledge and the credit bureaus refuse to close this fraudulent account. They have submitted my information to a debt collector that wants me to pay for an account that I never opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In Februrary 2019 I was looking to purchase a truck and I got a preapproval from XXXX XXXX  - the truck that I wanted was at XXXX but they would not accept XXXX XXXX ' approval and stated that they would give me a better interest rate so my credit report was hit with 15 inquiries. Got an approval and financed it through XXXX. I was having to many issues with the descrepancy of my name and the interest rates that was agreed upon and trying to get the vehicle registered because XXXX had someone else 's name on the registration and it took them almost 4 months to straighten that out.I decided to go ahead and pay off the vehicle in XX/XX/2019 in the amount of {$28000.00}. On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX stating that there was force auto insurance put on from XX/XX/2019 - XX/XX/2019. On top of that XXXX then sends me payoff notification on XX/XX/2019 that I still owe a balance of {$170.00} which I paid immediately on XX/XX/2019 with confirmation # XXXX. 

Despite the nightmare I went through with purchasing this vehicle I am in the process of purchasing a home and my credit report is showing a 60 day late payment status with a 3 credit bureaus for XX/XX/2019. 

When I tried to address this issue with XXXX no one seems to be able to give me an answer or rectify this issue. The 3 credit bureaus said that I had to call 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 2018-06-25
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We got flooded in XX/XX/2016 in XXXX Louisiana and chase got our flood insurance check. We have a licensed contractor. They make excuses and excuses to release funds to us to pay the contractors. Our house is damaged still not done because chase will not release funds. We recently got a letter saying they are selling our mortgage. The only reason they are doing this is because our house is damaged and they want to hold on to our money as long as they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Lease was returned and all payments paid in full in XX/XX/2017. Company reported the lease as a voluntary repo and sold it at auction despite all obligations being satisfied and are trying to charge me the fees and loss at auction. The vehicle was properly returned and the payments were made to satisfy lease obligation. They incorrectly handled the end of lease and will not fix their mistake.

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 2018-02-01
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from Penn Credit, a debt collector, in early XX/XX/XXXX saying I had an outstanding balance from the XXXX XXXX XXXX XXXX XXXX from a home I previously owned. I asked them to send me the bill, which they did mail to me. I then called them to explain that the bill is not my bill as the utilities were not in my name at the time of outstanding balance ( XX/XX/XXXX ). I explained that I rented that home to tenants in XX/XX/XXXX and they purchased the home from me in XX/XX/XXXX.  The water bill had not been in my name since XX/XX/XXXX. They were extremely rude and said that I was refusing to pay a debt. When I told them I would take it up with the XXXX XXXX XXXX XXXX XXXX, the person then hung up on me. This whole experience seems to be deceptive and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After noticing some missing and inaccurate data on my credit file. I faxed in an investigation request on several occasions. This is the attempts I made XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX and I mailed on XX/XX/XXXX. I got no response to any of them. I will attach the latest letter on XX/XX/XXXX since I have gotten no response and the failure to investigate the accounts should be removed or updated.

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 2019-07-12
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:
Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit again and there are still some stuff on there that is not mine. I have reached out to the FTC and to my local police department and I am doing this on my own. Please remove them from my credit report so I can go back to school and make a better life for my family. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, 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 2018-06-25
Company: Bliksum, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX bought my debt from loanme where I got the loan originally in XX/XX/2017. XXXX XXXX XXXX has made repeated calls to my work. I have told them at every call to stop calling me. They called my bosses personal cell phone today as well. My bosses have also told them to stop calling our office. They have called friends and family and asked about me, they have all told them to stop bothering them but they still call everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. SXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.

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 2020-06-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was the victim of Identity theft. Accounts with Cable companies and cell phone providers were opened using my name and SSN. All my credit reports have been frozen since the XXXX data breach. So no new account line of credit inquiries on my credit report are possible. 
However these accounts did not inquiry on my credit reports. The accounts went to collections after no payments were made. I am currently disputing the charges and submitting documentation. 
Citibank lowered my line of credit on my citibank credit card. I explained that I was the victim of fraud and asked that my credit limits be restored. They refused to restore my credit limits. After many attempts to explain I was not at fault and given the current joblessness and financial crisis they should reconsider. I had been a long term client of citibank and had always made any payments minimum or otherwise on time. 
The employs and supervisors of Citibank Credit card customer service were rude and unresponsive. I settled the balance of the card and closed the account. 
Citibank them claimed I owed them interest after paying off the card and closing the account. I argued with them again. Finally, I was forced to pay interest on a card I had payed off and closed. The customer service from every person I spoke with at Citibank was horrible.

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 2018-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have been receiving a LOT of calls from this company PORTFOLIO RECOV Its an ongoing issue with this company they call me after XXXX XXXX XXXX  XXXX ... I have listed the numbers involved XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX  XXXX XXXX XXXX called XXXX XXXX   XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXXXXXX  XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX called after XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX  XXXX called XXXX XXXXXXXX  XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX   XXXX called XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX called XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX Called after XXXXXXXX XX/XX/XXXX PORTFOLIO REVOV XXXX XXXX XXXX called after XXXX XXXX

Company response to consumer: Closed with non-monetary relief