BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-30
Company: Ocwen Financial Corporation
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I made payment on XX/XX/XXXX in the amount {$920.00} for acct # XXXX, paid to Ocwen Loan Servicing, LLC. I notice that the payment was returned along with receiving a fund returned letter dated XX/XX/XXXX. for not sufficient to satisfy the reinstatement amount on the account. Which I have always pay the escrow, which is my taxes and insurance., The payment applied is the correct amount, that I previous pay consistently. Further investigation needs to be looked at in a timely manner according to my records. I also receive a letter separate class action suit in regards to phone calling and harrassment. and challenged the debt that is supposed to be correct. However I will submit the evidence for your record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: EQUIFAX, INC.
State: KY
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:
Earlier today on my account i noticed a {$19.00} from a company i do not know of and just now received an email about a company i also dont know of checking out my credit score. Im getting aggravated because i dont know if someone has my information. This stress is unneeded for i am XXXX and far along enough to cause an XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am currently experiencing identity theft. Equifax won't place a Fraud Alert on my account without me faxing them 2 forms of photo identification, after which it will take up to 30 business days to process. In the meantime, my credit is vulnerable to further attempts at identity theft. 

XXXX and XXXX were able to place fraud alerts immediately, while Equifax is trying to discourage me from doing so by making it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express has frozen my Membership Rewards for more than 3 months since late XX/XX/XXXX, in  which I lose the ability to transfer the Rewards to their airline partners. In the period, I have contacted them multiple times, including most recent on XX/XX/XXXX ( XXXX XXXX ). Each time the Membership Rewards customer representative simply reiterated that the account is under review by the Corporate team and it could take few weeks to be finalized. When I asked a specific time frame for the issue to be resolved, they indicated that they can not do anything about it and all I can do is to wait. The customer representative also mentioned that there is no communication available to reach the Corporate team, not only for customer but also for the Rewards program agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Consumer Portfolio Services, Inc.
State: DE
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: Investigation took more than 30 days

Complaint:
Cps consumer portfolio services XXXX XXXX XXXX XXXX ca. XXXX ( XXXX ) XXXX has not been reporting my payments on my credit report! I have had the car for 5 years and of course hit bumps in the road as life goes! I have been paying reaccurring payments since XXXX none showing in my report! Even the late payments are not reported from last year during the pandemic. I went to purchase a new car due to the mileage and age of the vehicle and I was denied because it looks like I make no payments on my loan. Also the payments that I pay are all going to interest when all the interest is paid up. I will never get out of this car or have a good report due to their lack of stability and business

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA. XXXX Re : Acct # XXXX Berlin-Wheeler , Inc . 

To Whom It May Concern : I am writing to request an investigation regarding account number XXXX. In response to my first notice dated XX/XX/XXXX, to collect a debt from Berlin-Wheeler, Inc. , I issued a debt validation letter to a Berlin-Wheeler, Inc to dispute the account that reported a {$200.00} fraudulent high balance on my credit report. Payment of {$100.00} for the account was credited on XX/XX/XXXX and was made directly to XXXX XXXX. As a result, the account balance was reduced to {$79.00}. On XX/XX/XXXX, a payment of {$92.00} was posted and paid directly to XXXX XXXX. Payment cleared both the {$79.00} balance and the {$13.00} collection agency fee. 

Moreover, the collection agency attempted to collect {$30.00} and {$170.00} when the balance owed to XXXX XXXX was only {$79.00}. Berlin-Wheeler, Inc. , instead of correcting their records, attempted to collect money they were not owed. In my opinion, XXXX XXXX and Berlin-Wheeler Inc. are engaging in a Ponzi scheme to earn kickbacks by referring their customers to their personal collection agencies after they have made a good faith attempt to pay the cable bill. XXXX XXXX shows no regard for their senior citizen customers, who live on a fixed income, who are XXXX years old. 

In addition, seven days after I attempted to make good on paying the account in full on XX/XX/XXXX, XXXX XXXX sent my account for collection without due process. The actions they took were unjustifiable in light of my payment to the account in full the same month. According to public records, Berlin-Wheeler , Inc. 's license was revoked on XX/XX/XXXX, by the Secretary of State for the State of Louisiana. There is no record of reinstatement of the license after that date. It is against the XXXX to engage in deceptive business practices such as these. The company needs to be investigated for poor billing practices, profit-driven behavior only, failure to register with the Secretary of State for the State of Louisiana and violation of the XXXX. 

Respectfully, XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Louisiana Attorney Generals Office Cc : XXXX XXXX XXXX Cc : Congressman ; XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: CITIBANK, N.A.
State: GA
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:
Citibank credit card Dispute XXXX CFPB Case # XXXX-XXXX  In reference to Letter dated XX/XX/2020 from Ms. XXXX XXXX. 

This letter asserts that the customer " arrived after the service has ended for the day ''. Please provide proof of this indicating that the customer arrived after the breakfast services ended for the day. 

Thank you

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 2022-08-11
Company: EQUIFAX, INC.
State: NV
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
these accounts are not mines

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 2018-07-03
Company: Ameritech Financial
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ameritech Financial stated that they could help me with lowering my monthly payment with the federal loan agency, that I would still have my payments counted under the loan forgiveness plan and they would be happy to take care of the communication with them directly to process everything. It sounded like they had a great partnership working with one another to help hard working Americans help pay off their student loan debt a little more easily. I made 6 months of payments to Ameritech and none of those payments went to my federal loans nor was the 6 months count towards my loan forgiveness plan. Something told me to check with the federal student loan agency directly and that is when I learned that they were not getting any payments nor were those payments being counted for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: LCO Financial Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have paid {$2800.00} on a loan for {$1200.00} and still have 3 payments. This loan is a t620.92 % interest. This should be criminal.

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 2020-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am receiving california unemployment benefits. They get deposited into a prepaid XXXX bank of America card. On XX/XX/20 there was a total of {$1100.00} taken from my account in multiple transactions all from state of California edd unemployment. I first contacted bank of America who claimed they can not deposit or withdraw money from these edd cards and that the unemployment office has complete control of the edd cards so i need to contact them. So i contacted California edd and they told me they have no record of these withdrawals and that they can not withdraw money from the edd cards only deposit it so I need to contact bank of America again. I then contacted Bank of America again and told them what I was told by the unemployment office and at that time the call was dropped. I have tried contacting bank of America multiple times since then and everytime i give them my information and state why I'm calling i either get hung up on or i get put on hold for hours and no one comes back on the line. I have tried contacting them 11 times since the first call was dropped. The money still has not been put back into my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220, So called " Creditor '' FCRA Section 611 Part ( A ) ( 1 ) have failed to respond to written validation of no debts and liens. According to UCC California there are no liens on my name or property. After this company contracted with XXXX XXXX, they have in fact stolen my private vessel. Have notified said companies of a cease and desist FDCPA Section 805 ( c ), I have asked in administrative process, to proof said claims FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, still nothing after months. Fraudulent merchant claims of property that has been paid. Willful intent of harm, injury, false facts, defaming of character, my credit report as a consumer of heaven, and causing intentional emotions distress. Also under Under 15 USC 1681b - Permissible purposes of consumer reports, CONSUMER PORTFOLIO SERVICES never gave XXXX written consent to report anything on my report. This is in fact IDENTITY THEFT. I would like my property back and response and remedy from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Big Picture Loans, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received the loan back on XX/XX/2018 until now. I have been paying XXXX since XX/XX/2018. The loans was for {$800.00} I have roughly paid {$1700.00} on the loans. They are charging me a 392.827 % interest rate plus a 179.509 % daily rate and I was not aware of that. I spoked with them on XX/XX/2018 about my payment I couldnt make the payment. They still wanted the payment and the next payment. I called XX/XX/2018 and made aware Im charged a daily rate everyday then loan is open. The Loan principle is {$740.00} as of XX/XX/2018 from a {$800.00} balance form XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX ocwen loan service sent escrow bill the bill states taxes for XX/XX/XXXX I XXXX XXXX do paid all my taxes to XXXX county tn and all my taxes are paid. I contacted XXXX at XXXX county tax she state ocwen did no paid any taxes for XXXX on XX/XX/XXXX and the statements for XXXX and XXXX have not been bill. I just remodify my mortgage and I do not owe ocwen for taxes .ocwen will not fix the issued.ocwen should be banned and ocwen mortgage license should be suspended in Tennessee and all ocwen mortgage account should be audit and all money return to all customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
somebody fraudulently open a credit account for {$1100.00} under my name in XXXX   XXXX in XXXX Ca and I dispute directly with the company that reported the information in this case synchrony bank and my dispute claim was denied my synchrony bank, and also called the collection agency first source and I was told by then that synchrony bank denied my dispute claim as well. 
According to synchrony bank I have to pay this fraudlently account for {$1100.00}. 
This is not right, fair and honest. 
How can I pay something thay I didn't incurred or do? 
synchrony bank telephone ( XXXX ) XXXX XXXX XXXX telephoe ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Bread Financial 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: Account information incorrect

Complaint:
Thursday, XXXX XXXX, XXXX I purchased a ring for my daughter ( who is an authorized signer ) on Saturday, XXXX XXXX at the Zales store at XXXX XXXX XXXX in XXXX, NC in the amount of {$1800.00}. The ring was never in my daughters possession as she had requested it be resized. Since XXXX XXXX fell over the XXXX XXXX weekend, the ring would take several more days than usual to be sent off and resized. 

On Sunday, XXXX XXXX, my daughter called the Zales store referenced above, and cancelled the purchase of the ring. She was told by an associate that the ring had not been sent off to be resized and they would return the ring to their inventory and credit the Zales Credit Card account immediately. My daughter was told there would be no need for additional action. 

On Sunday, XXXX XXXX, my daughter checked the balance of Zales Credit Card ( with my permission ) and noticed that the ring had NOT been returned and was showing a balance of {$1800.00} with a LATE FEE of {$25.00}. My daughter then called the Zales store the ring was purchased at and demanded to know why the account was showing the ring was not returned. She was then informed by an associate who claimed to be the manager, that in order to return the ring, my signature or my daughters as she used her Zales authorized signer card, would need to complete the return. 

Due to the ineptitude of the store associate my daughter spoke with on XXXX XXXX, my account was placed in a COLLECTION status and reported to the credit bureau. I am beyond furious at this turn of events. Store associates need to be properly trained on how to deal with returns. Because of turn of events, my credit has been negatively impacted due to a store associate not understanding the return process. If we were informed the return would require a signature, there would be no question it would have been taken care of BEFORE the first due date of the payment on XXXX/XXXX/XXXX. 

The issue with the credit bureau should be corrected ASAP. I do not want to pursue this matter further by filing a complaint with the CFPB or other consumer protection bureaus, but I am beyond furious this has happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was originated in 2006, so I am covered by the provisions of the Homeowners ' Protection Act of 1998. Under the provisions of that law, a lender is required to cancel any Private Mortgage Insurance payments ( PMI ) when the principal balance on the loan reaches 78 % of the original value of the property. My balance has reached 77.9 %, and I have requested that the lender ( Bank of America ) strike the PMI payment immediately, as they are required by law to do. But my request has been met with obstructionism. The lender wants me to pay them for a " property valuation '' so that they may " determine '' whether or not to cancel the PMI. The law allows NO provision for the lender to consider a decline in property value, even if one had occurred. The unambiguous language of the law states that they are required to cancel the PMI at this point ( provided my loan is current, which it is ), and there should be no discussion. If Bank of America continues to assess me a PMI payment beyond this point, they are in clear violation of the law.

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 2020-05-05
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is based on violations of the FDCPA by this debt collector, Convergent Outsourcing ( Convergent ). 

___ On XX/XX/2020, I reviewed my credit reports and saw a collection account reported by this debt collector. I was never aware of this account so I had no opportunity to dispute the debt until this point. 

___ On XX/XX/2020, I disputed the debt directly with this debt collector by certified mail. I asked them to validate the debt. 

___ XX/XX/2020, I disputed the account thru the credit reporting agencies. 

___ On XX/XX/2020, this debt collector verified the account to XXXX, before they validated the debt.

___ On XX/XX/2020, this debt collector verified the account to XXXX, before they validated the debt.

___ On XX/XX/2020, this debt collector mailed me their purported validation of debt. However, they falsely back-dated their letter inside that envelope as if that letter was written/mailed on XX/XX/XXXX ( before they " verified '' the account to the credit bureaus ). I have attached a copy of the envelope which was stamped by the US Postal Service proving this was mailed XX/XX/XXXX, no where near the date of XX/XX/XXXX. I have also attached their falsely back-dated cover letter.

___ This debt collector falsely back-dated their letter to conceal their  illegal behavior of verifying the account to the credit bureaus before they validated the debt. 

___Based on the aforementioned facts ( and supported by the attached proof ), Convergent engaged in following violations of the Fair Debt Collections Practices Act : ___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the debt by verifying/updating the account to the credit bureaus before it was validated. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ).

___ ( b ) Violation of the FDCPA 15 USC 1692e ( 10 ) in that they employed false or deceptive means to collect a debt when they falsely back-dated their letter.

___ ( c ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt when they falsely back-dated their letter.

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