BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents from the loan modification and family and name transfer of this loan between the dates of XX/XX/XXXX and XX/XX/XXXX. In addition please provide all documents from XX/XX/XXXX to XX/XX/XXXX the period of OCWEN Loan Servicing. I have made several request for this information without receiving this information. You have closed complaints as duplicates on several complaints submitted. As recent as today you submitted that you were making an interim response when you were in fact Closing the Complaint. As I submit this QWR QUALIFIED WRITTEN REQUEST, NOW on XX/XX/XXXX @ XXXX XXXX. OCWEN has not sent notice to me or the CFPB that you have closed the last complaint submitted XX/XX/XXXX as Complaint Closed with an explanation, The same explanation you continually lie and use to cover the mistakes you have made. 

What is ridiculous is this same information OCWEN is lying and denying is on file with the CFPB. 

Again, THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents transacted from XX/XX/XXXX to XX/XX/XXXX, in regards to this loan. 

OCWEN has reached a new low. You have provided only the original loan documents signed by my DECEASED DAUGHTER, originally signed XX/XX/XXXX. 

You have had this loan only since XX/XX/XXXX and the original request was for the transactions subject to the original complaint first filed. Trust that you will not get away with this. This will become my lifes work. I will now make everyone in this country aware of OCWEN who is not already aware of your hideous reputation for loan servicing errors and law suits and what you have done while lying slogan continues HELPING HOME OWNERS IS WHAT WE DO. 

THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents since XX/XX/XXXX when you started servicing this loan to XX/XX/XXXX, in addition to the loan modification and family transfer documents from my deceased daughters estate, and documents relating to the attempted transfer of this loan in a foreclosure status with {$13000.00} due upon transfer and documents relating to payments returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Google Compare Credit Cards Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I have a business account with XXXX XXXX, on Tuesday XX/XX/2018 I was randomly charged {$200.00}. for a Keyword I was bidding on for {$1.00}. That {$200.00} charge instantly put my account over its limit and I was forced to pay google in order to get my account back online for my business advertising. I spoke with Google tech support before paying the bill and was told it was a " glitch '' and that I would be getting the {$190.00} back from Google. I haven't to this point and was informed they were NOT going to return the money at all. This particular " call campaign '' was setup by a Google employee and I had limited control over it as it was, but once charged they told me it was my doing and they wouldn't fix it, or return my money. I understand they may not  constitute an " emergency '' on the behalf of the FBI, or another agency, but I feel it is desperately worth looking into as it seems VERY unlikely this was an accident or that I am the only business this has happen to. 

I am a military veteran running a small business in a smaller demographic, my wife is a XXXX XXXX   XXXX and we live on a small working budget, in fact that {$200.00} charge from Google was more than 25 % of my entire advertising budget. I have spent thousands of dollars advertising with Google to  this point ( no more ) and yet I often just have to take their word that I received so many expense clicks in a day, even though I don't receive any calls for said clicks, or drum up any business from said clicks, but this one incident of a {$200.00} charge for a {$1.00} keyword is crazy, its illegal and wrong. I have parameters set to where I can't even spend over {$100.00} a day with XXXX, but yet somehow they can just charge me {$200.00}. I am sorry, I hope this is not a waste of someones time, I just fear I am one of MANY people being cheated by Google. I am not sure where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I graduated from XXXX University in XX/XX/2005. I have been paying on my student loans, the same amount ( set up by them, mind you, not me! ) {$130.00} a month. Religiously. Until a short period of time a few years ago, when they called me because they found out that I had gone back to school to complete Master 's degree coursework and insisted that there was nothing to lose if I wanted to take a break from a period of payments. I was hesitant to oblige-I hope they still have our conversation recorded. The woman was insistent. Kept saying that it would be senseless if I didn't take the deal. I was at work about to make a very important sales call, and I didn't have time to talk, so I acquiesced.

Recently, when I got my tax form for them for this past year, I noticed I still had a balance of over {$10000.00}! My student loans TOTALED {$16000.00} over 12 years ago. So in over a decade of time ( reducing the 2 years that I may have had loan forgiveness ), I managed to pay off only {$6000.00}? How is that possible? I have never missed a payment, nor have I ever been late with anything involving a payment with ANY COMPANY. Never been late with a credit card, mortgage, or any bill. My credit is outstanding!!!

Not only that, but the one time I did get to speak to someone who hassled me about taking a loan forgiveness period, I told them I had no way to access my account to see my info. I didn't remember my login or password ( still don't ). And when I try to use my own social security number and birth date as proof of my identity on their website, they say that they can not find a login associated with my info. So I go to register, and the website tells me that since I already registered, I can not log in as a new user. I tried this again today, no dice, so I called. I got noone. I left my phone number and name for them to call me back, and when they did, it went to a survey??? But I had never even talked to anyone, and frankly, I am so done with this. I want to know where my money has gone. This student loan should have been paid off a long time ago. My original account coordinator set it up to be paid off in 10 years! Granted, they were with Sallie Mae ... .Please advise on what I can do. I feel like I have been robbed! And continue to get robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I have a Chase Auto Loan Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. 
Between XX/XX/XXXX / XX/XX/XXXXI had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called Chase Auto to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. 
Chase Auto Finance is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. 
This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I  am requesting Chase Auto Finance to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. 
I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. 
please rectify this error on my credit report. 
Please look at the XXXX XXXX XXXX Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed XXXX XXXXXXXX and XXXX accounts several times but they simply refuse to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX. And I've sent every piece of proof that all these credit reporting agenciescould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 


Account Name : XXXX XXXXXXXX Account XXXX. XXXX Balance : {$170.00} - I have disputed this on XX/XX/XXXX, but I still see the date of last payment reporting inconsistently. Equifax is reporting XX/XX/XXXX, while XXXX and XXXX are reporting XX/XX/XXXX. 


Account Name : XXXX Account No. XXXX Balance : {$0.00} - The high balance is still reporting inconsistently. I have disputed this account on XX/XX/XXXX for the reason that the date of last activity is reporting XX/XX/XXXX in XXXX, and XX/XX/XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing a complaint against Equifax and XXXX XXXX because they are reporting a fraudulently opened account on my credit report. I have sent disputes regarding the opening of this fraudulent account with XXXX and Equifax a total of 3 times and it is still reporting on my credit report. I completed all of the necessary steps to get this matter resolved including filing an identity theft report with law enforcement which is attached to this complaint. XXXX and XXXX have already stopped the reporting of this fraudulent account form my credit report but Equifax remains to report it. This issue still remains open and my credit has been severely damaged because of this. This will be my final attempt to get this matter resolve before lawsuits are filed for damages agains Equifax and XXXX XXXX  for violations of the Fair Credit Reporting Act. The full credit card account number is XXXX which is also the number reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo has repeatedly made it impossible to withdraw funds from my account without requiring a fee for immediate transfers to my debit card. I do not use Venmo often but every time I have tried to add my XXXX XXXX Checking Account to Venmo, I am given errors after error. I have manually tried to add my account but when I submit the Routing and Checking Number I receive an error that says " Form submission error. '' Conversely, when I try and add my XXXX Account using the automated Plaid service, it says that it completed but I am then given a message that an error has occurred and for me to try again. This has been an endless cycle of errors for which Venmo states " engineering is working on. '' This is unacceptable and illegal. Venmo can not force me to continue to pay fees due to 'system errors ' on their end that are verging on predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Credit Plus Inc
State: LA
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:
The is a credit inquiry on my XXXX  report for " Credit Plus '' dated XX/XX/2020. There is no contact information to contact the creditor to inquire about this inquiry. I have disputed this inquiry with XXXX and they stated that the inquiry is valid. However, I have not authorized this creditor to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I attempted to transfer funds from XXXX XXXX to Wells Fargo using XXXX. the recipient is affiliated with two accounts at Wells Fargo. Account " A '', a joint account and " B '' a  personal account. The funds went to the joint account NOT the personal account that I would have sworn I designated. The transactions were attempted through XXXX on XX/XX/XXXX {$300.00}, the XXXX {$1000.00}, the XXXX {$1000.00}, XXXX {$1000.00} and the XXXX {$500.00}. Upon seeing the {$3800.00} in the joint account his wife decided that half was hers and took {$1900.00}.

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 2019-08-31
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing a complaint against XXXX and Huntington Bank because they are reporting a fraudulently opened account on my credit report. I have sent disputes regarding the opening of this fraudulent account with Huntington and XXXX a total of 3 times and it is still reporting on my credit report. I completed all of the necessary steps to get this matter resolved including filing an identity theft report with law enforcement which is attached to this complaint. XXXX and XXXX have already stopped the reporting of this fraudulent account form my credit report but XXXX remains to report it. This issue still remains open and my credit has been severely damaged because of this. This will be my final attempt to get this matter resolve before lawsuits are filed for damages agains XXXX and Huntington Bank for violations of the Fair Credit Reporting Act. The full credit card account number is XXXX which is also the number reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: EdFinancial Services
State: CO
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:
I recently discovered errors on my XXXX and XXXX credit reports. Both were reporting a 90 day delinquency starting XX/XX/XXXX and 120 days through XX/XX/XXXX. 
My student loans were consolidated in XX/XX/XXXX and I was in a forbearance program from XX/XX/XXXX-XX/XX/XXXX. I have provided the necessary documentation from the national loan database, my servicer at the time was EdFinancial, the servicer who owned my loan after it was consolidated. 
I have reached out to them and they said they did not report this, and I have been trying to find out who reported this, and continues to report it, as EdFinancial is the only servicer who can possibly be reporting this as they owned and serviced the loan during this time. 

On XX/XX/XXXX, XXXX deleted this account ( # XXXX ) from my credit report in response to my dispute. It states the reporters are XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX. 
On XX/XX/XXXX, XXXX claims it deleted this same account XXXX # XXXX XXXX from my credit report in response to my dispute. However, it states the reporters are US Department of Edu Afsa,  XXXX XXXX XXXX, XXXX XXXX XXXX Phone : ( XXXX ) XXXX. 

I have called the 800 number provided numerous times in the past week and the only time I was able to reach a live person, he told me I needed to contact my servicer at the time and hung up on me. 
Edfinancial states it did not report this, as their notes indicate a forbearance from XX/XX/XXXX-XX/XX/XXXX. Therefore, regardless of who is reporting this, the information is wrong because the loan was never 90 or 120 days delinquent. 
XXXX states they deleted the account, but the reporters are still reporting it to XXXX so I am at my wit 's end trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I mailed a payment to BBVA Compass in the amount of {$7000.00} to pay off the bulk on my credit card balance on XX/XX/XXXX. My payment was deliver to the company lock box on XX/XX/XXXX. On XX/XX/XXXX ; I made my 1st call to the company inquiring about the check not posting to my account. I was told that I could not trace an un-applied payment until after the due date had past. I asked about late fees and was advised that the company would waive late fees once the payment was applied. As I monitored the account daily ( multiple time ) I was concerned that the check had not posted to the account although it was delivered on the XXXX. I began to call daily and it was not until XX/XX/XXXX I was finally issued a ticket number ( XXXX ) to begin researching my missing payment. I called on XX/XX/XXXX and was told that it would take 4 to 5 business days to get resolution and not to worry about late fees as it could take up to 10 business days for a check to post to the account. On XX/XX/XXXX, I had a late fee post to the account and I called to have the fee waived, inquire about the payment research and made an online payment to ensure there would be no negative impact to my credit. The payment was not reflected on my account until XX/XX/XXXX. I called BBVA Compass on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding this issue and could not get beyond the incompetence of the Customer Service team. I repeatedly asked to speak to someone that could help and got nothing, I verified and re-verified information that agent entered the system wrong and to this date have not received the call back I was promised to resolve my issue ( I provided my cell phone and the number for contact ). 

On XX/XX/XXXX the check that I had been asking about arrived in the mail at my home. By this time, I had already asked the issuing company to cancel the previous check and resend another check so that I could pay the bill. That check will be taken directly to the bank for payment today, XX/XX/XXXX. 

Due to the inability of BBVA Compass to effectively provide customer service, process payments and provide customer assistance, I have been charged additional interest, received a late fee, and negative information ( late payments and over the limit ) has been reported to the credit bureaus. I want BBVA Compass to make me whole with these fees and interest and correct the reporting to my credit report. Had BBVA Compass done their job, I would not have negative items on my report and there would not have been an interest charge of {$110.00} on my account. I can not get any assistance from BBVA Compass and therefore am asking for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04
Company: EQUIFAX, 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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief