BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-23
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
GMAC recently withdrew their certificate of authority to transact business in Florida but yet Ocwen under GMAC 's name is making it very hard for us to keep our home. We were recently offered a short payoff by Ocwen to satisfy our mortgage loan debt. We requested an initial extension in order to organize our finances to payoff the mortgage debt. Ocwen asked that we withdraw our pending notice of error before they could consider our request for an extension. We did so in good faith and meanwhile Ocwen did not inform us that the number of days to our deadline had started. Ocwen then came back and denied the first request for an extension. Ocwen would not grant us an extension after Hurricane Irma devastated areas of Florida to allow for an inspection by the lender. We also showed Ocwen our commitment letter that said we would get funding contingent on an inspection of our home. Because of Irma the initial inspection was cancelled. Most of Florida was without power on XX/XX/XXXX and almost every business was closed and most counties were under mandatory curfews. The Supreme Court of Florida even granted an extension in the courts because of Hurricane Irma in XXXX XXXX XXXX where our home is located, but Ocwen refused to and they did not provide a reason why it could not grant the extension. Our attorneys repeatedly asked for an extension after that to allow for the inspection to occur. Ocwen denied our request and said the deadline was XX/XX/XXXXwhich was 5 days after Hurricane Irma. Prior to foreclosure we made all our loan workout ( modification ) payments in XXXX to GMAC. This was the same time that GMAC declared for Ch XXXX bankruptcy. Ocwen bought the servicing rights out of the Ch XXXX bankruptcy and prematurely foreclosed on us in XX/XX/XXXXbefore they had boarded the loan to their system and under the incorrect default date. Ocwen postXX/XX/XXXX was required to check the servicing file when they boarded the loan in XX/XX/XXXX. Had Ocwen done what was required of them, they would have discovered that the default had changed and that we had a work out agreement and seen that we over paid on our payments. We retained new counsel that filed a motion to vacate the final judgment on the basis that the loan was modified by the time the judgment was entered and therefore Ocwen or GMAC could not foreclosure. The judge asked the question what was the point of Ocwen keeping the payments we made if Ocwen did not have any intentions on modifying the loan but the judge ultimately ruled against us. Ocwen caused us to incur more legal expenses as they fought vigorously to take the deed of our home. Ocwen then recently gave us a new payoff that was exactly {$200000.00} more then the original payoff after Hurricane Irma again with no explanation why.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 non-monetary relief
Consumer complaint received 2020-12-09
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please see attached detailed letter that documents events. The Company has not appropriately or timely attended to my several attempts to notify it of fraudulent use of the card. As of today, I am unclear on what is the status of my claim, nor even if it is being processed, due to a number of confounding and confusing communications and processes by the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: WESTERN UNION COMPANY, THE
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$50.00} to my brother in the XXXX via Western union App, the money was charged to my XXXX XXXX XXXX account right away. Few days later, my brother contacted me that the generated Money Transfer Control Number I gave him was not successful to receive the money. I called Western union to check the transfer status, talking to one of the Western union representatives, I was told that the transfer was cancelled by Western union and the representative said she didnt know the reason. Why it was cancelled and told that my refund would be available to me in seven days. I did receive my refund after seven days Thinking that the App that I used to send money was the problem, I went into Western Union agent to do the transaction at XXXX XXXX Store at XXXX XXXX XXXX XXXX, XXXX, NH XXXX. 
I completed the transaction with Money Transfer Control Number XXXX and I was told it would be available for pick up in XXXX in few minutes. 

Again, my brother tried to receive the money in the XXXX with MTCN XXXX and he was told the number was not good. This happened after four days, I sent the money. I called Western union again, and the representative told me that Western Union had cancelled the transfer. I asked him why I was not informed and his response was " I don't know I also asked the representative why the transfer was cancelled? He told me that the reason was not available to him to tell me. 

Western Union could have refused my transfer at the time of transaction but they not only refused to inform me of the cancellation of my transfer, they also refused to tell me the reason my transfer was not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received a VALIDATION notification via mail or electronically, from this company, if they did send one, I'm requesting Proof of Delivery. 
I have also disputed this on all 3 of my credit reports, which I did have success with XXXX and XXXX, however it keeps coming back VERIFIED each time I have disputed with XXXX even though I provided documentation of the collection being removed from my other credit reports. 
I also don't understand how they are reporting TWICE on my credit report, with the same " Opened Dates '' and " Original Creditor '', just different balances, and the account numbers are the same except for the last two. 
This company 's violations have affected my credit negatively for the the last 3 years. 

I am demanding the two accounts be removed from my credit report. 
I am also demanding remedy for the following : Fair Debt Collections Practices Act 15 USC 1692g, 1692e, 1692f, 1692k FCRA 623 ( a ) ( 3 ) 623 ( a ) ( 1 ) ( a ) ( b ) Ignorance of the law is NO EXCUSE and being willfully non-compliant comes with a price.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Community Health Investment Company, LLC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Professional Account Services has been harassing my wife and I over a hospital bill that we are currently disputing with them because the state of Florida should be paying via retroactive medicaid. This bill is from XX/XX/2020 when I was laid off due to Covid and my son was born. Insurance paid their portion, the rest was supposed to be submitted by the hospital to the state of Florida for medicaid to cover. The hospital failed to do so and failed to notify us either by mail or by phone for six months after my son 's birth. When they finally did notify us, it was to tell us that the outstanding balance of over {$5000.00} was being sent to a collection agency. My wife and I have been going back and forth between the hospital and the state to solve this problem but the debt collection keeps calling and has used aggressive and abusive language towards my wife and has been calling every few days at random hours and while I'm at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX XXXX I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.

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 2023-03-11
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Open my checking account XX/XX/XXXX  as a new customer after 12 months I get promotion XXXX bonus for {$700.00} Then no give me my bonus They lying new customer is after 180 days XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX tel XXXX XXXX XXXX my account ending 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 monetary relief
Consumer complaint received 2017-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a large amount of money as a gift, was told by the Chase Bank representative it will be available in 2 days, she circled on the receipt 2 days later it would be available, never mentioning it might be further delayed. Only to find out they extended the hold on the gifted check another 7 days. The day I inquired about it they said it is on a 7-day hold. I do n't have the money available to me and the person who gifted me the money tells me it has been taken out of his account. Now Chase does have the money and they are making interest on it for the added 7 days, not me or the person who gifted me the money. They made me feel like a criminal for something that I did n't do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan with One Main Financial. I was approved immediately for a XXXX installment loan for 36 months @ 25 % with collateral. The collateral they require is a car. Unfortunately I am XXXX and do not own a vechile. I contacted their care department XXXX who then transferred me to the executive offices of the care department. XXXX. I spoke with XXXX who was rude, had no time for me or my questions. I indicated One Main is NOT following the Americans with XXXX  Act. and was told " go ahead and good luck '' then proceeded to hang up. I just wanted to ask what other forms of collateral they would accept. I have been discriminated enough because of my XXXX and feel this type is above and beyond discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: American First Finance, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
To Whom It May Concern, When I applied for a Personal Loan with American First Finance, I was told that I did not qualify for credit despite being a customer and a natural person. My social security number ( credit card ) was used but I received NO benefit is evidence that American First Finance engaged in fraudulent behavior ( unauthorized use of credit card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was about to pay my balance in full on XX/XX/21 but when I got home I did not have internet and could not get the payment to go through. I paid the full amount the next day, XX/XX/21 and sent XXXX XXXX an email explaining what happened and requested they do not charge me a late fee. Well they charged me {$40.00}?! I have been going back and forth with them to have this removed as the full balance was paid and all I now owe is the {$40.00}. They will not remove this fee. I feel like I alerted them and had an issue beyond my control. I just want the late fee removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-26
Company: Go Capital Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, My name is XXXX XXXX I have been in touch with XXXX from XXXX. XXXX set me up with a payment arrangement and told me to call when ready to pay. The arrangement date was set for XX/XX/19. About 4 days before the XXXX I contacted XXXX and left a message for a call back but no call back was received. I called again but no answer. I was told to call to do payment Over the phone but none of my calls have been returned. 

I did not want to file a complaint, I just did not know how else to get in contact with the company. 

I was left with only phone number and not a direct email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-09-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had many issues over the years with Navient and my student loans. Back in 2013 I believe, they seemingly purposefully misallocated {$20.00} of my $ 100+ payment in order to charge me a late fee and call my co-signer to collect more money from them even though I had submitted the full payment amount. They also unrolled me multiple times from automatic payments without notification then contacted my co-signer for money before contacting me. Most recently AFTER they allowed me to use the max hardship deferral time, they then told me about a program to lower my interest and therefore drastically lower my payments. They allowed me to do this for about 2 years but now say I do not qualify even tho my income and expenses have hardly changed. Now since unrolling in the program, they have jacked my interest up to over 11 % and they give me no options to lower it. I am now re-enrolled in school and they are already showing signs of being difficult about adjusting my payment for in school deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-11
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
On XX/XX/19 my AMEX bill was due. I had misplaced my bill and I paid it in full on XX/XX/19. This was the first time, after charging tens of thousands of dollars on my AMEX card, that I have been late on a payment. They charged me a {$35.00} late fee and an interest charge of {$32.00} for being three days late. This is an exorbitant amount for being three days late. Regardless, I paid these unreasonable fees when they appeared on my new bill on XX/XX/19 - the due date. I just received my new bill due XX/XX/19 and it shows another interest charge of {$36.00}. I could not understand why I was being charged interest again when I paid the previous bill in full and it included the late fee and an interest charge from the XX/XX/19 bill. So, I called and asked the representative - XXXX to provide a customer courtesy and waive all the charges. He asked me to wait a few minutes and he would check if he could do so. He returned to the line a stated he couldn't. I requested he cancel my credit card. I beleive this is criminal. I paid my bill in full and on time. The payment I understood included the late fee and interest as stated on my bill only to learn on your next bill they continue to charge interest that you thought you had already paid in full. I also beleive this is terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: U.S. BANCORP
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:
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. 
On XX/XX/2020, US BANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX - CARD SERVICE add a hard inquiries on my credit reports per XXXX and XXXX. The report does not include information about the creditor. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2019-06-02
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, i have never received any information from this company Midwest Recovery until it showed up on my credit report. I have called the number showing with no connection. Even the credit report shows date of open XX/XX/XXXX with status update on XX/XX/XXXX. Midwest recovery has never contacted me by mail, phone, or email.

Company response to consumer: Closed with explanation