BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-04
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I took out a 2nd mortgage with XXXX in XX/XX/XXXX. In XX/XX/XXXX, I filed for bankruptcy and the mortgage was one of the discharged debts. I have since been paying the 1st ( to a different company ) and no foreclosure actions have been taken by holders of the 1st or 2nd. I am not considering selling the property and there is a lien from XXXX on the home. I am researched with the XXXX   system and it still shows XXXX as the lien holder. My research has shown XXXX XXXX to have taken over XXXX. I have been in contact with XXXX XXXX for the last few weeks and have not been able to obtain any information on how I can clear the lien from the title. I am seeking a loan payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The collection account RMP is not mine, I reached out to the company in which they stated they did not have an account with my name or SSI attached to it. I have written several times asking for them to remove this file from my credit report because it does belong to me and is hurting my credit file. This file was last updated XX/XX/2019 from RMP services LLC for {$1200.00} and for {$610.00}. I have asked for them to show a signed contract to me showing my signature that also was unable to be could not be provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We filed a complaint here and dispute the vague response from the servicer Ocwen XXXX. The procedure to keep up with this complaint is a bit confusing to us. We called the phone # given XXXX XXXX XXXX and the person handling this case has a message that she will not be back in her office until XX/XX/XXXX. We were not disclosed the papers submitted to this case. Total bologna.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm getting daily calls regarding the debt of a loan my older brother took. However, I do n't live nearby and I do n't respond for my brother 's actions. No matter how much I 've told them to cease calling me, they do not comply and continue calling.

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 2018-02-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have tried to dispute this item that continually reports and shows on my credit reports and it does not belong to me. I have never seen this account before and it just mysteriously appeared on my credit showing as a new credit line with a current date. I have contacted all three credit reporting agencies and they have yet to remove this erroneous error from my report. It is listed as XXXX XXXX XXXX   collecting for a company called XXXX XXXX XXXX. I have never even heard of this company and with this derogatory mark sitting on my credit reports, it is inhibiting my chances of purchasing a home because of my score. Please help! 

Original creditor : XXXX XXXX XXXX {$250.00} XX/XX/2017 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information

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 2018-02-22
Company: Monterey Financial Services LLC
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: Their investigation did not fix an error on your report

Complaint:
In 2015 I attempted to purchase a Time Share from XXXX XXXX in XXXX XXXX. My husband and I traded in our time share to XXXX XXXX for a XXXX trade in price. I started to get bills from our ( thought traded time share XXXX XXXX ) we found the time share had not been in fact purchased By XXXX XXXX and that we still owned the one we thought we traded. We were told the developer at XXXX XXXX was not able to purchase our time share because of inventory issues. Shortly after we stopped paying maintenance fees on the new time share because we don't own it. I received a call from from Monterey Financial a collection company in California ( who has assumed our debt ) telling us that we did not have an agreement for a trade and that we owe for both time shares. Monterey is in California and XXXX XXXX is in XXXX. Out attorney sent Monterey and XXXX XXXX a cease and desist letter. We then had our attorney file on our behalf a letter asking XXXX XXXX to remove it from my credit report since we were in litigation. I submitted three disputes and they came back with a response that the collection " had been verified '' I attempted to submit a letter to the credit bureau and it will not allow me to dispute the issue as it states I have submitted a dispute in 120 time frame. I explained to XXXX XXXX it is severely damaging my credit. They refuse to remove it. Monterey Financial only called me once and immediately put me in collections. Their practices are unlawful and I reserve the right a consumer to have fair reporting. They are not reporting it honestly, it affected my car rate and it is affecting my credit reporting score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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: Information belongs to someone else

Complaint:
I have tried to dispute this item that continually reports and shows on my credit reports and it does not belong to me. I have never seen this account before and it just mysteriously appeared on my credit showing as a new credit line with a current date. I have contacted all three credit reporting agencies and they have yet to remove this erroneous error from my report. It is listed as XXXX XXXX XXXX   collecting for a company called XXXX XXXX XXXX. I have never even heard of this company and with this derogatory mark sitting on my credit reports, it is inhibiting my chances of purchasing a home because of my score. Please help! 

Original creditor : XXXX XXXX XXXX {$250.00} XX/XX/2017 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information

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 2020-06-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have filed a number of complaints against American Express. I have also submitted a request with the XXXX to stop marketing of credit cards to me. I also specifically made a request to American Express to discontinue marketing to me. I have tried to use their advertisement and was unfairly denied for their business card. My business XXXX XXXX XXXX XXXX is registered in my name and likewise i have requested American Express stop marketing to me. I have a XXXX credit score and otherwise qualify for my credit cards. I do not want to be part of marketing where i am denied credit. As such, i have made every effort to stop marketing material from American Express. I was sent another marketing today, this time to my email for American Express. I was again not approved and i have multiple times told American Express to stop sending me more advertisements, which they deny me for. I am not interested in the material and i have made multiple requests for these communications to stop. I do not want any more of these advertisements or promotions. I was promised by American Express in writing that i would not receive any additional marketing and i still get marketing. I chose to unsubscribe and expect the communications to stop from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have reached out the State Collection Agency on multiple occasions to attempt to resolve this issue. I also informed them that this was included in my bankruptcy. I have also sent them a copy of the XXXX  page stating that it was included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting accounts that do not belong to me. I have explained that these are FRAUD accounts & should be removed from my credit report but I am bounced back & forth between the companies that are listed and Equifax. This information does not belong to me for the accounts XXXX XXXX XXXX {$470.00} & XXXX XXXX {$960.00}. I have been a victim of identity theft and these accounts are ALL FRAUD!!!!!!! I have submitted this complaint XXXX on XX/XX/20 and nothing was done & today three months they still have these accounts listed along with two inquiries XXXX XXXX XXXX XX/XX/20 & XXXX XXXX XX/XX/20. Please delete this information for XXXX XXXX XXXX {$470.00} & XXXX XXXX {$960.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wells Fargo Bank as the wrong social security number listed on my Wells Fargo XXXX XXXX credit card account. XXXX isnt my correct social number. My correct social security number and date of birth is : SSN : XXXX DOB : 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 2018-11-20
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On Tuesday XX/XX/XXXX, I called XXXX XXXX twice in regards to changing my billing date so I would have the sufficient funds to make the payment. I talked to a regular worker for customer service and then I requested to talk to someone higher up and she gave me the same answer the previous employers told me. The latest date that they could change it to was the XXXX. I am unable to make the payments at that time because I will not have the funds to cover that amount until I receive my second paycheck for that month and the following months to come. I have been told that there is a grace period of 15 days until I am notified that I am late on the payments.The suggested that I make the payments past the due dates and it wont be marked as late. My mother, the co-signer, does not have the funds to help with the payments each month and I am in the process of trying to have her released as the co-signer. Consistent on-time payments is a large factor that is looked at when deciding to release the co-signer, and since XXXX XXXX is not willing to work with when I can pay the amount and is suggesting to make the payments past the due date, they are ruining my chances of having her released.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2020, PayPal froze my account and the sum of {$16000.00}. They say I violated there buyer protection agreement but after reading that agreement. I in no way violated said agreement. On XX/XX/2020 they placed a hold on my funds for 180 days because of charge backs and complaints but that would be impossible because the money was a loan and the person who loaned me the money had there account banned as well so even if they wanted to complain they couldn't. PayPal is refusing to release my funds to me under this facade. I feel like I'm being bullied by this company and they have lied to get me to pay outstanding balance using my locked funds as leverage even deducting the funds from the locked account. please help me with this matter PP-LXXXX is the case number to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage payments are due before the XX/XX/XXXX of the month, after the XX/XX/XXXX late fees will occur. We made our payment on a Friday 4 days before the late fee would incur. We always make our payments on the Fridays of Paydays and our payment is usually processed out of our accounts the following Monday. Monday came and went and the payment had not been processed from our account. We received a confirmation email confirming our payment had been made to the account number with the last 4 of our banking account number. Tuesday came and went and our payment still had not processed out of our bank account. I went to our online portal ( which we pay {$5.00} every online payment for convenience fees ) to see our payment showed on their system and our next payment wasn't due until XX/XX/XXXX. Friday XX/XX/XXXX arrives and we received an email stating we were late on our account. We were informed that the bank account number was incorrect and our payment was reversed on XX/XX/XXXX and we were going to be penalized by a {$35.00} late fee. After reviewing their website I feel that I have been entrapped by their online system. Their payment method does not allow you to save your bank account information for easy payments, you must enter it manually every time you make a payment. So when you go to make your payment you are asked to input your bank routing number, confirm your bank routing number, bank account number, and confirm your bank account number. While inputing your information no error codes are given if you type two different numbers or if you leave a number off. For example if you input Account number : XXXX, Confirm Account number : XXXX or Account number : XXXX, Confirm Account number : XXXX and the Account number doesn't match with the Confirm Account number no error messages are thrown to inform you of the error. When we received our confirmation email the last four of our Bank Account number matched our Bank information, so by not receiving and error message we did not know our bank account information was incorrect. XXXX XXXX XXXX XXXX could not confirm which way/ how our account information was wrong but just kept stating it was our fault that the information was inputted incorrectly. XXXX XXXX XXXX XXXX would not remove the late fee unless we wanted to use our One Time Customer Waiver to have it removed as they felt their website was not at fault. As a costumer who uses multiple online websites to make payments, as anyone else in this day and age most other companies either allow you to save your Bank Account information for easy payments or at least inform you that an error was made while inputing your information. I pay online payment convenience fees to be subjectified to the entrapment of their website.

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 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Credit bureau is in direct violation of GRAMM- LEACH BLILEY ACT, 49 CFR 801.56, FCRA, FDCPA and numerous consumer protection violations.

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 2019-01-11
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my loans to XXXX years ago. I filled out documentation to follow a IBR plan and the public service loan forgiveness plan. The PBLF will forgive debt after 10 years of payments. I submitted the proper paperwork proving that I had approved work since XX/XX/XXXX- XX/XX/XXXX and many years after. In XX/XX/XXXX, when buying a house and asking for the PSLF credit, they told me that I could not get credit for over 6 years because my loans were not consolidated with them. THEY WERE. My loans were supposed to be forgiven according to the PSLF rules in XX/XX/XXXX, however, I only got credit beginning in XX/XX/XXXXuntil now.

My loans were consolidated with XXXX   from XXXX. XXXX was horrible and never informed me correctly of my loans and falsely informed me that I was getting credit before consolidating. XXXX  customer service reps are inept. I faxed and mailed my documentation to them and they sent me a letter with the WRONG employer on it!! I, according to their letter, could not get credit because I had not worked at the place they put on the form. I had all of the CORRECT information on the form, including address, phone number, EIN of the employer, PLUS signature of HR and they STILL put the WRONG employer in the system ... refusing to correct it and give me credit. They are not friendly when you call/contact and NEVER fix their mistakes.

I am still getting interest added on loans that should have been dissolved and forgiven by the rules and now my loans have more than TRIPLED!! The balance on my loans is more than my current MORTGAGE debt!!!!! That is ridiculous and they are taking advantage of consumers. They are careless!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved onto XXXX XXXX apartments on XX/XX/2019. During my experience living there have been most terrible. They charge huge amounts for utilities. They was a constant smell of weed in all over my apartment and the washing machine and dryer was broken way before I moved there. They also had a rodent problem and XXXX problem that I had addressed to to them and they did not care. I decided in mid- XXXX that I was moving out. I let them know the date when I was going to return the keys. I moved out XX/XX/XXXX and returned the keys on the XXXX. A month after I moved I received a bill from XXXX about an unpaid balance of rent for XXXX ( {$120.00} ) as well as repair fees, ( {$410.00} ) lost key ( which fits one door lock ) ( {$25.00} ) and a break lease fee. ( {$2500.00} ) I am deeply upset and I am asking that this need to be removed from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Transunion LLC, has been providing false information that public record XXXX XXXX bankruptcy was verified by XXXX XXXX XXXX GEORGIA when courthouses do not verify public records with credit reporting agencies, credit bureaus, third parties, and vendors via the FCRA. Transunion LLC, has been falsely verifying a public record XXXX XXXX bankruptcy with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX who is not the original data furnisher of the information as required under the FCRA and could not verify the public record being reported. Because XXXX does not have this public record on file and could not verify it, I have requested for Transunion LLC to stop reporting the public record and delete the public record for false reporting under the FCRA.

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 2018-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
See attached XXXX Police Report ( XXXX ) XXXX for Details of the Unauthorized Electronic Fund Transfer from my business checking account. The Bank of America Claim No. is XXXX-XXXX. The  Fraud Analyst has yet to talk with me or the XXXX detective in the case. They claimed they called but no message has been left on my cell phone to call back. I asked them to send all correspondence in writing they have failed to do so to date. I do not trust the internet for communications with Bank of America until this claim is processed and finalized.

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