BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-01
Company: Ocwen Financial Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
OCWEN Loan servicing extorted money from me. They were NOT within Legal right to impose Escrow on my mortgage NOR were they within legal right to PAY my property taxes. Nor did they PAY a REAL homne owner insurance company any payment to cover my home for that moment of lapse in payment due to them paying it BEFORE me. Also, there was NO detailed statement EVER sent to me at my on record address showing a breakdown of what my additional XXXX in closing went to. They issued a mortgage statement for year end that was Inaccurate to reflect NO Property taxes paid yet I sent them a Cashiers Check with Property Taxes Typed specifically on it. They attempted to STEAL my property with in the final 6 months of me being considered Florida resident. I have a Photo of my BALANCE as reflected on XXXX in XX/XX/XXXX. XXXX balance. Not XXXX. OCWEN never provided an Origional mortgage document because the loan was Purchased from XXXX XXXX XXXX who tried these very same tactics on me in the past unsuccessfully and they sold the paper because they themselves DID NOT HAVE MY ORIGIONAL DOCUMENTS. My document stated ONLY Principal and Interest. NO ESCROW. Period! My XXXX NO LONGER even shows my OCWEN half of servicing or PAY OFF!! My score dropped 100Points. It only reflects XXXX XXXX XXXX and as sold paper. Not PAID IN FULL!! THIS IS PREDATORY!! This is FRAUDULENT! Not only did I HAVE to take a loss on the sale of MY HOUSE, I had to use all proceeds to pay off the NEW bathrooms, Air conditioner, Stove and Garbage Disposal I had Just installed in XX/XX/XXXX and XX/XX/XXXX. IF I am FORCED to take this loss, my credit should reflect I AM PAID IN FULL ON A Mortgage for $ XXXX Balance. SHAME ON OCWEN TO STEAL FROM ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have sent in disputes to XXXX on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX and have yet to receive one notification that my disputes have been received, reviewed or fixed for that matter. It is my right as a consumer to dispute and have items corrected on my credit file that should not be there and/or are not my accounts.

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 2018-03-21
Company: Experian Information Solutions Inc.
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent Experian a letter disputing several accounts on XX/XX/XXXX and XX/XX/XXXX, just to receive a letter stating my disputes seems suspicious and aren't coming from me. Well who are they coming from?! These inaccurate accounts reporting on my credit report is causing it difficult to get any loans. I have tried to contact Experian buy mail and phone several times with no help! I'm a XXXX XXXX, who work long hours and different shifts, that doesn't have time to sit on the phone for long periods of time with Experian!

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 2018-03-21
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX of 2017 I moved out of a condo at, due to XXXX XXXX XXXX not resolving issues of black mold in my unit and not fixing my A/C unit for 1 month and a half which conditions were not safe for me as I already have major health issues. Also found out their was a water leak in my unit that damaged condo below me. I contacted Code Enforcement, they came out fix up things a little but did not further investigate black mold issues, not having A/C made it worse. I wrote a 7 day notice letter to them explaining I am moving because they breach contract agreement. I moved out on XX/XX/2017. XXXX XXXX XXXX still did not chose to fix issues. Instead they over charged me for wall damage and blinds that was broken by XXXX XXXX company and overcharged me to paint walls and a fee to replace a tenant in unit. I found out later they have put these charges against my credit which I didn't receive any letter to dispute. Also found out This company has done many other consumers the same way and they also had similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have this loan and the payment are to high ... being a senior citizen the payment are to high I am Paying {$420.00} each month have not paid for this month and they can take my car at anytime I am trying to work with them my health is now becoming poor as I can not sleep and I go to a doctor for my XXXX XXXX  I am frighten about everything, I want to pay them and I will but I need the payment to be between $ XXXX {$320.00} per month which would be a hardship but I could do that the interest on the loan is 160 % computed daily ... .I borrowed {$2500.00} and I am {$20000.00} for this loan over 4 years ... I was under such pressure when I took out this loan and did not know what I was doing I need help badly. had I known I would not have take this loan out and would have just gone homeless..at least I would have had a car to sleep in and live not I will be on the street with no car or a place to live

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX used students as loan officers, students with no actual college degree. They didn't indicate how difficult it would be to repay {$150000.00} on a teacher 's salary. I am now a XXXX turned XXXX XXXX. I applied for the XXXX XXXX XXXX program and I know it requires about 10 years of payments. I'm XXXX by the way. Last year Navient processed my income based payment scheduled as making no payment all year. I'm afraid this may have kicked me out of the XXXX XXXX XXXX, and will result in having to start the 10 years all over. They tack on tons of interest that I'll never be able to repay at my age. This is hanging over my head and weighs down any possibility of a future, or even retirement. 
I even filed bankruptcy over 10 years ago, and was unable to stop the loans from growing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: CA
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:
To who it may concern : XX/XX/XXXX My name is XXXX XXXX. I had an account with XXXX XXXX XXXX XXXX for a couple of years and I paid it off on XX/XX/XXXX, in full. 
This account continues to damage my credit however. It is reporting as negative and that it was opened or closed on XX/XX/XXXX which is incorrect. 
I lost my job during which time I was late on a couple of payments. I always called and stayed in communication with the company and eventually paid it off. I was told at the time that it would not affect my credit and I believed them. 
I initially purchased my car in XX/XX/XXXX, yet this is reporting negatively to this day. It has been 9 years! 
Please help me. I need the account to show in good standing. There is an error in the reporting. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My name is XXXX and I attended XXXX XXXX 9 years ago and now left in over XXXX in federal loan debt. The school closed down after finishing my program and I never received my diploma nor work in that related field. The school was a nightmare. I also qualified for the borrowers defense application that remains pending in the supreme courts along with thousands of other students in my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: JPMORGAN CHASE & CO.
State: CA
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:
In XXXX I purchased a cruise from XXXX XXXX XXXX. I paid for the XXXX using my Chase Visa credit card. The total amount was over {$32000.00}. The cruise was canceled by XXXX due to COVID-19. XXXX emailed an offer of either applying the amount paid to a future cruise, or a full refund. I chose the full refund and submitted my refund request on XX/XX/XXXX. This request was acknowledged by XXXX and I was told it would take 30 - 90 days for the refund to be processed by XXXX. As of this date XXXX has not processed our refund. I contacted Chase about one month ago to report this and a Chase " disputes department '' representative told me Chase would issue me a temporary credit in XXXX - 10 days while they contacted XXXX to investigate why they had not yet given me a refund. None of the facts or amounts are in question. I have supplied all supporting documentation to Chase that they have requested. 

Chase has not provided the temporary credit they stated they would provide. Meanwhile, they sent me an email that states the disputed charges are " valid '' and they would return to charging me interest on this amount. What Chase chooses to ignore and/or not to understand is the validity of the original charges were never in dispute, never questioned. I did purchase the cruise using my Chase Visa. The issue was and remains the cruise was canceled by XXXX due to COVID-19, XXXX offered a full refund, and I accepted their refund offer. It is now beyond the 90 days XXXX originally stated they would need to process my refund. XXXX is a Chase merchant. Chase needs to take care of their customer -- - me, and give me a temporary credit as they told me they would do, then deal with why XXXX still has not issued me a refund for a cruise THEY CANCELED.  Instead, all Chase has done is renege on their promise to give me a temporary credit for the amount I paid XXXX, plus they " closed '' my claim after declaring the charges are valid. Of course the charges are valid! The validity of the charges was never the reason I contacted Chase. The issue is that their merchant, XXXX, is holding my money hostage and refuses to issue my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage was bought by Lakeview Loan Servicing. My monthly mortgage payment has increased by nearly {$300.00}. This increase, which has not been explained, is beyond my means to pay. I require a rationale for this unexpected increase & need to work with Lakeview on the payment. They are not accessible by phone or online. Their inaccessibility is has had a major impact on my finances, home ownership and emotional well being. Lakeview needs to be accessible to their customers.

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 2021-09-13
Company: EQUIFAX, INC.
State: OH
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 sent a request in writing on XX/XX/XXXX for these inaccurate, reporting agency altered accounts to be verified and validated with the original contract, agreement or account with my signature and date to match what is being reported. 
It is my rights and the responsibility of the reporting agency to provide true and accurate reporting that it actively reports and shares with others and with lenders. 

My written request was never acknowledged, never given consideration nor did it resolve the inaccurate and altered issues. Its been over 30 days and I and requesting all refused information is removed at once. 

To inaccurately report inaccurate and altered info on a consumer credit report is in violation of the FCRA and violates many laws. 

We as consumers are given the opportunity to dispute wrong and inaccurate, altered information however its been proven these reporting agencies refuse investigation and continue to completely and unfairly destroy a consumers right to fair reporting. 

I have took an extreme loss and suffered much damage and made a victim of unfair, fraudulent reporting. 90 % of my credit reports are inaccurate and fraudulent. Attached on a report from Equfax it states, Date open XX/XX/XXXX from a company i have never transacted business with, It states, date of first delinquency XX/XX/XXXX. If properly verified and validated with original documents signed and dated, that would resolve many issues. 

All of this evidence will be put together and submitted to the courts for further investigation and compensation. Against XXXX, Equifax and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/XXXX I purchased a new computer from Best Buy and was tricked into purchasing XXXX XXXX 27/7 with the impression that I could get a computer diagnosed and fixed. However, XXXX XXXX 27/7 Service Support is unable to meet contractual obligation. Tecs are not equip to assess or solve computer problems. Pushing a service plan that they have no intention on providing customer support. XX/XX/XXXX, while working on my computer it crashed. Being pressed to complete a work assignment, I decided to take my computer to XXXX XXXX, XXXXTexas. The Tec stated it would take sometime to check the computer for virus and it may have to be shipped out. Being pressed, I purchased a new computer with the idea that I could use the tec support to fix my current computer ( expensive computer ). I took my original computer and a new computer for servicing to be told there is nothing they could do ... I called CustomerService to file a complaint, forwarded to XXXX XXXX Supervisor who suggested that I take the computer to another location. So I took the computers to Best Buy located in XXXX, Texas. I encountered the same issue, the Tec not really wanting to work, there is nothing they can do ( according to XXXX XXXX my visit was not logged at the XXXX location-folks not doing his/her job ) but I did call in a complaint after my visit. Once again, I tried to seek resolution to my compliant on XX/XX/XXXX. I called Customer Service, being transferred many times last person spoke to was XXXX. One XX/XX/XXXX calledcustomer service at XXXX, spoke to XXXX and XXXX XXXX Sent a letter of compliant to customercare @ XXXX ( complaint XXXX ). Called Corp office to be transferred to XXXX at XXXX who said send an email to XXXX. Called XXXX Corporate number, Option 5 told there is no complaint dept at the Corporate level. Filed a complaint with XXXX to no avail and refusal to give me a refund. No manager called me, but instructed to travel back to another store ( without compensation ). Not customer orientated just a bully company that cultivate consumer fraud and scams. No complaint procedures, resolution dept or escalation team. Unable file complainants with a corporate office. XXXXDeceptive business practices and unethical business conduct

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 2018-03-21
Company: CITIBANK, N.A.
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:
A fraudulent account opened through XXXX XXXX was initially disputed as fraud on XX/XX/2017. To date, the account is still under investigation and continues to report a delinquent account to XXXX XXXX 's credit histories.

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 2017-11-28
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/XXXX a cashiers check for {$11000.00} was mailed to XXXX XXXX XXXX from XXXX XXXX XXXX to payoff my auto loan. They recieved the check and cashed it on XX/XX/XXXX. XX/XX/XXXX an additional payment of {$500.00} was sent from my checking account automatically by XXXX XXXX XXXX. At this time, the loan is paid off, but Exeter has not returned the {$500.00}. I have called the company on several occasions. The company admits they owe me the money, but does not seem to be able to return it to me in a timely manner. The offshore call center customer service is a collection center and is ill equipped to help customers with any other problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Paxful Holdings, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, Paxful banned and froze my account over a dispute that I did not agree with regarding the final verdict. That aside, they said my funds would be available after 365 days which is already a ridiculous amount of time to freeze an account. However, there was nothing that I as a consumer could do, as their customer service did nothing to help. I reached out once the 365 days were over and they are still keeping my funds frozen due to " account review '' without any further information nor timeline to resolving the issue. This is a very long ( unlawful ) amount of time to holding on to my money without any reason to. I have contacted their customer service multiple times and I have not gotten any meaningful response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Pendrick Capital Partners Holding, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Telephone number XXXX XXXX have been calling numerous times a day for about 3 weeks. This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Regional Management Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROMWHAT I AM ASSUMING IS A 3RD PARTY THAT PURCHASED THE LOAN FROM REGION FINANCE AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED XXXX XXXX/ XXXX  AND XXXX OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Nations Recovery Center
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX at extension XXXX called my work the phone was answered by another associate who reported he was rude and asked why she was afraid to tell him her name. The associate repeatedly told him that he was not allowed to call my employer he pressed the issue until my manager got involved. I am not 100 percent sure if this is about a credit card I have been harassed for 15 years for a debt I don't know of. I have been in good standing with my bills for 15 years and I have had numerous calls from numerous sources none of which can tell me who the original owner of the debt is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have notified all 3 bureaus that I am a victim of identity theft. In fact I have had an extended fraud alert on my credit for years and I am suppose to be contacted before lines of credit can be open. For the most part I am but for the following items and accounts I have not been. I let all 3 know that these are not my accounts or applications. It's been over 5 months since I did this and I have not received any update regarding the investigation or their findings. The items are still listed fraudulently on 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 non-monetary relief