BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage is imposing force-placed insurance when we already have adequate coverage on our property. PHH sent letters dated XX/XX/XXXX and XX/XX/XXXX, both of which falsely claim that there was a lapse in insurance coverage on our home from XXXX. 

XXXX XX/XX/XXXX or early XX/XX/XXXX, XXXX sent our policy renewal to XXXX XXXX XXXX XXXX our previous loan servicer. XXXX did not pay the renewal from escrow as expected, so we directly paid our XXXX policy for the period XXXX. Our loan was transferred to PHH on XX/XX/XXXX. We provided PHH with the declaration pages for our XXXX policy. In a follow-up phone call to PHH, an agent communicated that the policy was unacceptable because of an error in the property description. 

XXXX corrected the error in the property description. In doing so, they cancelled the existing policy with an effective end date of XX/XX/XXXX. XXXX then issued a new policy for XXXX. PHH paid for the new policy from our escrow account. 

*PHH sent a letter dated XX/XX/XXXX, claiming that there was a lapse in coverage from XXXX and would charge us {$190.00} to cover the lapse. In a follow-up call to PHH, the agent said that they did not have proof of insurance for the time period in question ; we pointed out that we had provided the declaration pages for the policy ; PHH said that the declaration pages were not acceptable. 

*On XX/XX/XXXX, we provided a letter of experience from XXXX XXXX which states that our home was insured for the time period in question. In a follow-up call with an agent, PHH stated that this letter was unacceptable. 

*We provided PHH with contact information for XXXX insurance on 2 occasions, most recently on XX/XX/XXXX. PHH did not contact XXXX. 

XXXXPHH sent a letter dated XX/XX/XXXX stating that they would proceed with charging us {$190.00} to cover the time period in question. 

*Over several calls to PHH XXXX most recently on XX/XX/XXXX with agent XXXX, PHH stated that it never received the declaration pages for the policy covering XXXX. I again sent the declaration pages on 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
Consumer complaint received 2018-02-20
Company: RAS LaVrar, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I filed a CFPB compliant case number # XXXX against RAS Lavrar , LLC and they responded partially to my complaint on XX/XX/18, which they did inform me that they are preparing to send me the validation of the alleged debt, however I requested that lawsuit against me to cease and I also request for no one to come out to home to discussed this matter, however they did not respond to neither request or give any details. They only stated that XXXX XXXX XXXX is suing me for the alleged debt. And again I am requesting the lawsuit be dropped by both RAS Lavrar and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
FILES ATTACHED My loans are still accruing interest as of XX/XX/XXXX. Interest should be deferred and should not be accruing via the federal loan interest freeze effective through XX/XX/XXXX. 

Through XX/XX/XXXX to present my loans have been accruing interest of around {$2.00} a day. I have spoken with Mohela multiple times on the phone, and have been assured this is an error and it will be taken care of. However, I NEVER receive a call or email back from Mohela. They simply wait for me to call again and tell me the exact same thing. Nothing is being done about this issue to my knowledge and my interest continues to grow. It is currently ( at the time of this complaint ) {$980.00}. 

As you can see in the files attached, it is growing. You can also see my numerous calls to Mohela dating back to XX/XX/XXXX. Mohela has admitted to me that this is in fact a mistake. Every time I call I am assured it will be taken care of and not to worry. However, it is now late XXXX and nothing has been corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 was so stress, I file documentation lastXX/XX/2021 regarding to those unknown and inaccurate accounts I found on my credit report it almost 30 days now but I haven't receive any response yet. I demand to DELETE ASAP those accounts or I will file litigation.

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 2023-09-26
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
My XXXX student loans should have been canceled along with those effect by XXXX scams in 2017. I have emailed the Ohio AG XXXX XXXX how sent me to Consumer Financial Protection Bureau. I have mailed them my question have not heard back in over a month. I called multiple times to speak to an Aidvantage representative about my loans but have not been able to reach anyone at their XXXX number. I sit on hold for hours and never get through. I have emailed them my questions and no response. I have gone from XXXX scam company to Aidvantage scam company... Help! 

Very respectfully yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: PR
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'm a victim of Identity Theft since 2020 due to the data breach of Equifax. Since 2020 I've been dealing with countless situation in regard to this matter. I received communication from credit card companies and debt collectors in regard to accounts that were not mine. Due to fear and lack of knowledge of the law, I start making payment, even when I know this accounts were not mine. Now I received legal advice from my lawyer, that guide me to open an Identity Theft Report and send a formal complaint using CFPB. I have been trying to get in contact with the consumer report agencies without success. They are not working diligent in their investigation to solve this problem. As an evidence of the lack of investigation ; I asked XXXX to remove an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) that is not mine and they responded that the account was verify. At the same time I asked the issuer of the card to remove the information from my credit report and they send me a letter with this information : " We received a request to remove your name from the account number referenced above. Our records indicated your name is not on the account. '' Clearly, the agencies are not doing a properly investigation, causing me more harm. I called XXXX to report Hard Inquires that were not authorized and they told me that there is anything they can do about that matter. I'm not asking for too much, just to have my consumer report clear of accounts that are not mine. All my correct account are from XXXX XXXX, were I currently live. I have account in local Credit Unions that have been paid accordingly. I didn't apply for credit card in Banks in the USA. This XXXX accounts are from stores that I dont even purchase any goods. Some are too far away from my home that I dont even have visit before. I don't know why the consumer reporting agencies don't have an specialist that can review the accounts and compare all the history to identify that the information reported can be XXXX. I'm tired of dealing with this sittuation and the next steps is going to be a legal one, if this complaint is not process properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: SYNCHRONY FINANCIAL
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I purchased a pair of boots online using Paypal services. The boots arrived damaged and not as described ( big size and extremely poor quality ). I immediately got in touch with a seller but they ignored my requests to refund. I contacted Paypal and shipped the boots back the next day. After I have provided the tracking number but Paypal came back and said that the tracking number is untrackable. I went back to USPS and they pulled the receipt and let me know that the item was delivered a month ago. Paypal refuse to refund my money. I still have the receipt from USPS which sent to Paypal. Please help me to resolve my issue.

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 2023-09-26
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I am the heir of a property with a mortgage serviced by Newrez. Newrez took over servicing on the mortgage from XXXX XXXX on XX/XX/2023. XXXX XXXX had already recognized me as the authorized representative of the estate ( as of XX/XX/2023 ) I contacted Newrez on XX/XX/2023 to change the name on the mortgage because I am now the sole owner of the house and the estate has been closed/discharged by the court. I have all necessary legal papers to prove ownership and final disposition of the estate. 
Newrez provided the following information ; XXXX. I was told I could not change the name on the mortgage and it must stay in the estates name. 
XXXX. I was told they had no record of me being the legal representative for the estate or the mortgage. 
XXXX. I was told I must have a property insurance policy in the name of the estate. I am the legal owner of the property therefore the insurance is in my name but the estate is a named as an additional interest in the property insurance. That was not acceptable according the the letter I received from Newrez on XX/XX/2023 XXXX. When I asked to escalate the case the Newrez call center representative said I had no standing to escalate and that no one in the company could help me. Said I must accept that the only name on the account can be the estate 's name. The call center representative told me my only recourse was to seek legal counsel at my own expense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: FC HoldCo LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They have failed to report the on time pay history for the months of XXXX XXXX XXXX XXXX XXXX even after I have made numerous phone calls to rectify the problem. After my 3rd request, they when in an reported XXXXXXXX XXXX  payment and still dint report the month 's preceding that payment. They were all to quick to report the debt, and charge 19 % interest, while they neglectfully negate the reporting the timely payments thereof. My credit score is suffering severely as a direct result in the holes of this pay history.

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 2023-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effectively immediately. I am attaching proof that Equifax has admitted that I was in fact, the victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report and update my score appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: FL
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 the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX, 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

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-09-26
Company: Maximus Education, LLC dba Aidvantage
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello I started XXXX XXXX XXXX in 2016. We applied for XXXX XXXX loan, received it and paid it off years ago. XXXX XXXX is the only student loan that I had or new of. This week I received a statement from aidVantage that I owed {$6500.00}. I have never new about this so called debt. I contacted my parents who advised the only student loans we had were with XXXX XXXX and they were paid off years ago. I contacted my school, Student Aid.gov and aidVantage. My school said my school loan debt has been paid off. Student Aid.gov said they show we owe this along with aidVantage. I have never received ANYTHING from ANYONE about this debt. It has been 8 years!!!! Nothing was ever sent about this debt. This is not right. You can see on my XXXX XXXX that payments were made each month and now paid off. We would have done the same on this loan if I would have know about it. Please help me. If I owe it, I will pay it but I don't feel that I should have any interest accrued since I didn't know about it and no one can provide me with any documents. Why wasn't anything sent to me in 8 years? My parents haven't moved, phone numbers haven't changed! Please Help : )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: HOME BANCSHARES, INC.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I submitted an international wire transfer to XXXX XXXX in XXXX, originating from my local bank branch, Centennial Bank in XXXX XXXX, Arkansas. The amount of the wire was {$12000.00}. 
After several days, the beneficiary had not received the funds so I went back to my bank branch to try to trace the funds. At that time we discovered that the account number had not been entered correctly and one or more numbers had been transposed. On XX/XX/2022 my bank submitted an amendment to the wire department with the corrected account number, but by that time the original wire had already been applied to the wrong account and could not be recalled. As a result I have lost over $ XXXX due to this error. 

I recently submitted my claim to FDIC, who referred it onto The Federal Reserve, and they referred me to CFPB as having jurisdiction with this bank institution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to bring to your attention the provisions outlined in 15 USC 1681, specifically section 604 ( a ) and 15 USCS 1666b. As per my understanding of these regulations, a consumer reporting agency is prohibited from furnishing an account without the consumer 's written instructions.

I have noticed that there are closed accounts on my credit report, and I would like to formally request their removal. According to the mentioned statutes, I believe that the presence of these closed accounts may not align with the legal requirements. 

Some accounts are listed closed twice Such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also 15 USC 1681 , specifically section 604 ( a ) and 15 USCS 1666b . These regulations emphasize the necessity of obtaining written instructions from the consumer before furnishing an account. Additionally, I have identified instances of reported late payments, and I believe that addressing these concerns aligns with consumer protection laws. I kindly ask for a thorough investigation into these matters and, if applicable, the prompt removal of closed accounts and correction of any inaccuracies related to late payments on my credit report. Your cooperation in ensuring the accuracy and compliance with relevant laws is greatly appreciated.

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 non-monetary relief
Consumer complaint received 2022-12-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Was not notified of investigation status or results

Complaint:
I first reached out to bank manager, XXXX XXXX, after he sent letter threatening to charge me late fees despite the financial hardship I was experiencing due to covid lockdowns and a sudden onset of XXXX  XXXX XXXX and XXXX XXXX later discovered was causing the XXXX  XXXX XXXX. I made many good faith attempts to settle alleged debt with other means. With no luck there, I then asked the bank to validate the alleged debt with an accounting ledger to ensure the alleged debt was actually lawful as I protected by the Federal Government as a Consumer. The bank then reported the charge off and so called late payments to XXXX, XXXX and XXXX. They also hired debt collectors not once, twice but 3 times to harass and threaten me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX General Rev has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX. XXXX, XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.

Company response to consumer: Closed with explanation