BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-25
Company: Collection Bureau of America Ltd.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
COLLECTION BUREAU OF AMERICA XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX. 

OPEN DATE XX/XX/2019 ORIGINAL AMOUNT XXXX In XX/XX/2019, I first learned that I have collection report from XXXX and XXXX. I have no idea of this medical bill / collection information at all. This collection comes from a company called COLLECTION BUREAU OF AMERICA. Therefore, I contacted COLLECTION BUREAU OF AMERICA through certified letter and requested ( received ) return receipt. The return receipt dated at XX/XX/2019. The letter I sent is debt validation letter. However, I never received any reply from COLLECTION BUREAU OF AMERICA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This compliant is against Ocwen Loan Servicing Mortgage Company and is in reference to my mortgage loan. On XX/XX/XXXX I OVER PAID my monthly mortgage in the amount of approximately {$10000.00}. On approximately XX/XX/XXXX I contacted the mortgage company and requested that I be reimbursed for the difference. I was informed that a request would be submitted and I would be REFUNDED my money. On XX/XX/XXXX a wire transfer supposedly occurred from Ocwen and was sent to my bank account but the bank account number that the funds were sent to was an INVALID account because of a transposition in the account number. I have been talking with at least 3 different escalation managers at Ocwen and to this date I have not received my refund. There customer service is despicable. They are incompetent and non-responsive. They have provided no amicable solutions nor have they even attempted to trace what has happened. They appear to have done nothing but tell me that they are waiting to receive funds back from the bank before I can receive my refund. I have talked with the bank and the company every day practically since XX/XX/XXXX and I am getting no answers as to when I can get my money. I am at my wits ends because this is my life savings that I am waiting to receive and no one is helping me find out what is going on..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: TX
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 tried to upload the document Experian provides to have the fraud alert removed from my account but the upload option is not working. So, I am submitting it here in hopes they will be able to receive it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: ALLY FINANCIAL INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/22 I applied for a Ally XXXX XXXX and was approved. I received an email that I would get my card in 7-10 business days. After the initial 10 business day wait time I reached out concerned because I had not received my card still. The representative that I spoke with said that they were having a issue printing the cards and to give it to the next Monday and if I had not received it to call back. I waited that time frame and then some, I ended up calling that next Wednesday as I still had no card come in the mail. When I called that time the representative was not very helpful, she said the same as the other lady that my card had been shipped but she could not give me a tracking number. I told her this made me uneasy and that I was beginning to worry about the validity of their company. She stated they were having issues making the cards and this was causing issues for customers to receive them to which I said but my card is already made if it has been shipped so I am not understanding. She said that all she could tell me was what she already had and that if I wasn't satisfied she could escalate me to a supervisor which I asked her to do because I was very uneasy with how this was all going and that it sounded very scam like. She placed me on hold for sometime and finally came back and said that her supervisor would be busy for quite a while and she couldn't keep me on hold that long. She said that he would call me once he was freed up from his current call. He never called. So this has now hit my credit as an account but I am unable to get them to produce a card or account that I can use. Any communication is met with the same response and I am left back at the same place I started.

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 2021-10-06
Company: Vengroff Williams, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent in a verification letter XXXX21. The company has yet to verify my debt or send me any type of verification that this is my debt. It is now XX/XX/21 and I have yet to receive any letters in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a savings account with bank of America from social security payment. 
On about end of XX/XX/XXXX, I found out someone stole all the money. I made numerous trips to local bank and reported to various organizations. So far I was reimbursed most except around {$8000.00}.

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 2022-12-14
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I discussed with the Mortgage company over the phone way back last week of XX/XX/XXXX, 1st week of XX/XX/XXXX, that I am no longer interested on doing " ASSUMPTION PROCESS '' and his name was XXXX. I did cancel over the phone. And I know the fact and they keep on repeating on me that papers good only within 30 days, since we never open up the topic about " Assumption '' so, for what i've known and repeatedly telling me by them that 30 days will expired. And the mere fact i cancelled over the phone. They should be chain reaction to all their department. They should be updated and systematic. So much inconsistent information. So, to make the story short assumption is " voided ''.

Now, since we are delayed for the mortgage payment, we are applying for " Payment Plan '' today XX/XX/XXXX and spoke with XXXX for almost 1 hour discussion because he needs to do the paper works for " Payment Plan '' and told me starting XXXX XXXX will be my first payment, but when he tried to be " approved '' it doesnt allow him, they found it that my " assumption application '' still active. VERY INCONSISTENT INFORMATION, THEIR STAFF NEED LITERALLY TRAIN HOW THEY WILL GIVE CONSISTENT INFORMATION. XXXX trying to help us, but his supervisor doesnt allow him to file the Payment Plan, they're stopping them to approve it due to Pending Assumption Paperworks, and almost 3 months passed by. We dont want to loose our home. We never know if this is only they're " tactic '' or " strategy '' so we can't able to do payment plan. We love our home and they been telling us when you call them " we're here to help you '' and it doesnt make sense, if things are not UPDATED on their system. We need help to make this people from their company to be ORIENTED, so no confusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Equifax is showing a collection on my credit report in the amount of {$170.00} account # XXXX there is no original creditor listed or any collection agency listed that is attempting to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions 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:
XXXX XXXX XXXX, XXXX Balance {$5800.00} opened XX/XX/2019 I do not recognize doing any contract or business, please verify this debt,.

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 2018-04-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent {$1000.00} through money gram and the transaction did not complete on XX/XX/XXXX. I went to the store where I sent my money gram and called money gram to get a refund and was given a reference number and was told to wait 36 hours before I could get my money back. I have been given 4 numbers in the last 2 weeks and still have not be able to get my money back. The last time I went was on XX/XX/XXXX and was given another set of reference numbers and was told to wait 36 hours. I am not getting my refund back and this company seems to be doing nothing to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had 3 credit card accounts with Chase. On XX/XX/2020, I made a {$330.00} payment to one of my cards. However, I miscalculated other expenses drawing on that account and when the payment posted, there was not enough money in the account. The payment bounced. On noticing this, I made a new payment of {$200.00}, which successfully posted on XX/XX/2020. 

On XX/XX/2020, the bank reattempted the missed payment and it bounced again. I did not know the payment was going to be reattempted. 

On XX/XX/XXXX or XX/XX/XXXX, I logged into my online account and saw that all 3 of my cards were marked as closed. I called customer service and they explained that this was due to the returned payment issue and stated they had sent me a letter. They indicated there was no reinstatement available. 

I am a regular user of all 3 cards and I always make on-time payments and nearly always pay off my card in full.

I live overseas and do not receive my mail on time, so I don't know when this letter Chase references may have been sent. I do know that in this day and age it is only reasonable to provide a message notification in the online portal as well. Chase also should have provided a warning that another returned payment would result in closure of the account, and either advised me that they would close ALL my accounts or only closed the one at issue. The sudden closure of all 3 accounts with no warning is unfair, as is the lack of ability to dispute the issue internally -- the customer service supervisor told me that when the bank closes the account the decision is always final.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX from " XXXX XXXX XXXX '' regarding something against me in XXXX XXXX XXXX. They also called my sister-in-law ( that I know of ). They said I needed to settle a debt with XXXX XXXX XXXX  ( I've never heard of it ) and when I said I believed it to be a scam because of that fact, the representative said it was not a scam and I can try and tell the judge that ( threatening litigation ). She proceeded to say that it was for a Best Buy card ( I have never had one ). I told her to not call me or my family again and that I would sue. She began saying an old address of mine before I hung up. This company obviously had my name, phone number, birthday, and last 4 of my social security number, so it is frightening to think how they came upon that information. I consistently check my credit score which reflects 100 % on-time payments and no Best Buy card, so I firmly believe this to be a scam. The call I got was from phone number XXXX and I was asked to return the call at 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 2023-07-09
Company: MOHELA
State: FL
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:
Mohela agreed to refund loan that was paid sent letter that would do in 2 parts refunded partial amount said waiting on discharge by dept of education who refuses to assist loan was part of class action suit settled in florida XX/XX/XXXX loan paid off XXXX XXXX XXXX school notified of suit and refund inXXXX partial credit recieved XX/XX/XXXXXXXX XXXX XXXX XXXX with Mohela now avoiding me have attorney but trying to resolve without filing suit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called " Convergent Outsourcing '' has called me repeatedly on my unlisted home number. I have asked them to remove my name from their call list. The number that called was 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 2023-01-23
Company: EQUIFAX, INC.
State: MD
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:
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

These accounts must be removed from all three credit reporting companies ( Equifax, XXXX and XXXX ) for violations under the federal laws listed above. 

XXXX XXXX XXXX ( Charge-off ) {$530.00} XXXX XXXX XXXX ( Charge-off ) {$480.00} XXXX XXXX  XXXX ( XXXX XXXX {$1000.00} XXXX ( Charge-off ) {$0.00} XXXX XXXX ( Charge-off ) {$48.00} These 5 accounts are charge-off - Which are being reported as debt, which is a clear violations under the federal laws listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Experian Rent Bureau, Please see attached : - Experian Rent Bureau order form filled out and signed - My drivers license, social security card, and address I am requesting a copy of my RentBureau credit report

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 2019-03-29
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In response to previous CFPB complaint # XXXX. 

Bank responded to complaint with letter outlining possible resolutions, quoted : " To help you release the funds and close your account, the following options are available to you : ... 
- Or send an email to XXXX providing a copy of a bank statement from the financial institution that the opening deposit at Umpqua Bank was funded from. '' I've submitted over supporting documents immediately and the following morning the bank renegades on their word and refuses to honor that option, instead telling me to go into a branch in-person ( which the difficulty of doing so has already been brought up multiple times.

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 2021-09-15
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/21 I paid XXXX from AWA {$3500.00} to have this account removed from my credit report. XXXX verbally and written a promise to remove the debt from my credit report and the co-signer on the account. XXXX also informed me to dispute the debt to rush the removal. I dispute the debt on XX/XX/21. On XX/XX/21 AWA report to three credit bureaus that this debt is valid and owed in full. However, AWA removed the account from the co-signer and left the account on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: Oklahoma Motor Credit Company
State: OK
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 had an auto loan with Oklahoma Motor Credit Company, I got behind on it and had to work with their attorney to get the balance paid off before they repo the vehicle. Which I did, in XX/XX/2015. I received a balance in full letter and account closed. Now, I'm trying to purchase a house and when I had my credit pulled, this company is showing a XXXX balance and a monthly payment of XXXX plus it's a charge off account with current delinquencies. I attempted to contact them and they refuse to speak with me, stating that they doesn't have to talk to me regarding this account and hung up on me.

Company response to consumer: Untimely response