BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I was notified that my monthly payment was increasing from {$520.00} monthly to {$940.00} per month. The increase was intended to escrow for homeowners insurance. I forwarded a copy of my declaration page as well as confirmed with the insurance department that all insurance cost has been paid by me. We agreed that the account should only be escrowed for taxes. Ocwen proceeded to increase the monthly payment. In XX/XX/XXXX I attempted to make the XX/XX/XXXX payment and was unable to do so because it was less than the amount required. I subsequently attempted to contact the identified relationship specialist who has never been available. I have had to speak with 3 other individuals. On XX/XX/XXXX a request to the escrow department was made to opened workflow process. I was told that the process would take 10 business days. A followup appointment was made for XX/XX/XXXX at which time I spoke to another specialist who informed me the workflow process had not been completed. On XX/XX/XXXX I called again spoke to different person who informed me the process had been complete and it had been determined that Ocwen would pay the insurance despite all of the evidence showing they had not paid it in the past 3 years therefore there was no basis for making changes in the escrow amount. I was told that I should faxed them a letter stating my preference to continue paying my homeowners insurance ( which I am doing today ). I have been force to make a payment to avoid being 90 days past due. I have explained to each representative that I can not afford this $ XXXX monthly payment and no one seems to know how to communicate within the Ocwen organization to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
AMERIHOME MORTGAGE ACCOUNT XXXX UNDER XXXX XXXX. DAIGNAULT, NEGLECTED TO PAY OUR FEMA FLOOD INSURANCE BILL ON TIME. THEY WROTE A CHECK FROM ESCROW, HELD IT FOR 15 DAYS, THEN SENT IT TO THE WRONG ADDRESS TO A TOTALLY DIFFERENT STATE FROM FROM THE INVOICE REMITTANCE INFORMATION. THIS CAUSED FEMA TO CANCEL OUR INSURANCE. THEN AMERIHOME SENT IT AGAIN TO A DIFFERENT ADDRESS BUT AT LEAST TO THE CORRECT CITY AND STATE. MY WIFE IN FACT SENT FEMA A PERSONAL CHECK TO TRY TO KEEP OUR INSURANCE ACTIVE AS WE HAVE FELT FOR THE PAST YEAR THAT AMERIHOME EMPLOYEES WERE INCOMPETENT. WE HAVE CALLED THEM REPEATEDLY AND EACH TIME THE CUSTOMER SERVICE PERSON COMPLAINED ABOUT THEIR COMPUTERS. WE BAGGED THEM TO TAKE CARE OF THE BILL AND WAS TOLD IT WAS THE INSURANCE DEPARTMENT'S ISSUED THAT THEY WOULD PASS ON THE CONCERN. WE FELT THIS NEVER HAPPENED. AND OF COURSE, WE WERE NOT ALLOWED TO SPEAK WITH THEM. NOW FEMA WANTS $XXXX  MORE TO KEEP OF SAME INSURANCE, WE FEEL AMERIHOME SHOULD PAY THE FEE. THE CHECK NEEDS TO BE IN FEMA'S HAND BEFORE XXXX XXXX XXXX  TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WE ALSO HAVE OTHER SITUATIONS WITH THEM BUT THIS IS THE MOST PRESSING. IF YOU NEED DOCUMENTATION, PLEASE LET ME WIFE KNOW AS SHE HANDLES THE ADMINSTRATION ISSUES OF OUR HOUSEHOLD. XXXX  AT XXXX XXXX.

THANK YOU FOR YOUR ASSISTANCE IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: NY
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:
Looking over my credit report and notice some a hard inquiries that I do not recognize and are all over 90 days old and this : XXXXXXXX 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 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 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 2022-04-08
Company: EQUIFAX, INC.
State: LA
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:
XXXX hasnt reported or updated any payment history or account balance for the month of XXXX for my XXXX XXXX account XXXX XXXX is only reporting a old balance for the month of XXXX and nothing is reported for XXXX. 

My XXXX finance balance is currently {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: NC
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 received a copy of my credit report were a collection account appears with a outstanding balance the problem is the item doesnt have a outstanding balance. I have disputed the item several times and yet the credit bureaus still report it and havent provided a response to my dispute it has been over 45 days since last dispute. The collection company is XXXX in and out documentations are attached I previously advised that the account was opened as a result of stolen ID and although I paid the account to remove from file it should have never been placed on credit credit report police report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: MD
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:
I had previously requested a payment history of our closed account from the provider and have attached the that part of the payment history that covers the period that our loan was with XXXX XXXX  XXXX. This payment history is being attached to have the credit bureaus correct the inaccurate and incomplete data that they are reporting. 

At present our closed XXXXXXXX  account is only showing seven ( 7 ) of the seventeen consecutive payments that was made from XX/XX/XXXX to XX/XX/XXXX. The account is also not showing the correct monthly balances, considering the account started at {$190000.00} and should have been descending based on the consecutive monthly payments that were paid each of those seventeen months to a closing balance of {$180000.00}

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 2022-04-08
Company: Choice Recovery, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Choice recovery inc - I have no knowledge of this account and this company is trying to damage my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
i had missed one month of payment and had less opportunity to work due to XXXX symptoms. my mother needed help caring for my sister who had stage XXXX XXXX XXXX so i fell another month. i requested to Wells Fargo to pay more over the next several months to catch up but they insisted i do a loan modification, i did not want to do a modification so is sent in a check for one and a half month mortgage payment they returned the check and tild me not to send in any more payments until they complete the modification. i called my congressman XXXX XXXX and his case manager called on behalf. while on the 3 way call the peron he spoke to avioded his efforts to talk to her manager even though he stated he was case manager for congressman XXXX, the case manager said theey will not take my home ... XXXX lost the next election and i had to find the congressman for my district because they did a redistricting and it took months. i found XXXX XXXX was the congressman ( woman ) and spoke to her case manager XXXX XXXX. i explained the mortgage company denied the modification that they forced me into, even though i had {$10000.00} and a XXXX XXXX pension. XXXX XXXX was no help and led me to beleive there was nothing he or anyone could do. Wells Fargo had been guilty of this before but again he was no help. the VA bought my home even though i has the VA so called expert helping to helping me. VA rep.for mortgage XXXX told me they take long to do modifications but they will grant me this. and when i lost my home she just apologized and could not explain why the VA bought it instead of helping me stay in it. i told her that XXXX bank kept changing counselors every few months and i felt they were going to deny me but she insisted they would not deny me. so i have been homeless since 2011. i have wrote Obama and President Trump and got no reply ... i did what the VA pamphlet said to do by calling the VA " expert '' and still lost my home ro the VAXXXX i feel i did not gey mad enough because i trusted the system. i get  thanked for my service and some call me a hero but i lost my rights defending this country to the system. XXXX company sent me information stating that my foreclosure was not done wrong, so how can i get help to right a wrong?

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 2021-06-12
Company: Service Finance Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
It started when the credit was submitted. I received a letter that a charged amount of {$10000.00} had been placed and please cal to confirm work was done. This financing was through a home repair company XXXX XXXX. I called to informed them that my contract for work was for {$10000.00}. They told me that I would have to deal with XXXX XXXX directly they could not help me. All point gave me a {$100.00} gift card that was promised to me 3 times in the duration of the work. 

XXXX XXXX sent a statement monthly without indicating past payments, interest, or reflecting any activity on the account. I called them, and they said that they didn't have to provide that information I should keep track of my own records. After paying above minimum payments for month, and noticing higher interest than I expected I decided to pay this loan a different way. 

I took the statement to my credit union and used a person loan from there to pay in full. The statement shows a balance of {$9000.00}, that is what my bank sent. Now I receive yet another statement that I still owe {$110.00}. I don't understand this billing process, and feel they hide information that is supposed to be provided to borrows. When you call they are very rude, can not explain to you activity or finance fees. 

According to their statements I paid about {$500.00} interest on this loan over a 5 month period on a loan with 6.99 % interest. I do not understand this math. I will never borrow from them again. I hope that someone looks into this and holds this company accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Creditor Name : XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX. - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted

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 2017-12-31
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:
There are hard inquires on my credit report that I did not authorize, I filed a dispute to have them removed or show proof of authorization and they did not remove or show proof that I authorize the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: NEW YORK COMMUNITY BANK
State: NJ
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX bank credit card put my credit card statements as paperless without my permission, resulting in my forgetting to make a payment. This caused a 30 day late occurrence on my credit report. I asked XXXX XXXX XXXX bank to remove the 30 day late occurrence from my credit report and they did not accommodate. 

This practice of tricking consumers into opting into paperless is a common tactic used by many financial institutions that result in late charges for consumers and benefit these institutions, because statements are sent out to consumers. 

something needs to be done about this online malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX Account numbers -- XXXX /XXXX XXXX Account number XXXX XXXX XXXX-Account number XXXX. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
After paying off a car lease they dropped my credit score twice 23 points on XX/XX/2021 39 points on XX/XX/2021 for a total 62 points and ruined me.

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 2020-06-05
Company: SYNCHRONY FINANCIAL
State: MD
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:
A fraudulent charge of {$450.00} was made on my TJX credit card at XXXX XXXX in XXXX, AZ in mid XX/XX/XXXX. I currently live in XXXX and with the assistance of one of my adult children who is in the US, I called the company ( operated by Synchrony Bank ) on XX/XX/XXXX and reported the charge as fraudulent. I was informed by the company representative that it would be investigated by the fraud department and I would receive a response to my report. I was thanked and bid farewell by the company representative and the call ended. In early XXXX the next statement arrived and the charge remained as well as additional charges having been added. I called again and was informed that my call in XXXX had dropped and I had not been transferred to the fraud dept and a proper report had not been taken. I was then transferred to the fraud dept and a report was duly submitted. Within the next month I was informed the charge was indeed fraudulent but the next statement still had incorrect charges on it. I called again in early XXXX and again in XXXX and I was told that charges would be removed after a period of 60 days had passed from the initial report ( which was officially completed in early XXXX ). I skipped contacting the company in XXXX but when I started receiving multiple emails a week in XXXX, I contacted them using their web site messaging service. Their response apologized for any inconvenience to me and asked me to make another phone call to the fraud dept. In my message, I specifically stated the great difficulty it is to make a phone call from XXXX. To date over 5 hours have been invested by myself and my child in trying to straighten this out. Why should I have to make another difficult phone call when the fraud was facilitated and allowed by them. They informed me that someone made an in store purchase by accessing my account without actually presenting a credit card to do so. The original fraudulent purchase has been removed from the account but other charges of {$40.00} still remain. This account has not been used by me or anyone else under my consent for almost two years.

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 2017-10-02
Company: BARCLAYS BANK DELAWARE
State: TX
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:
I have disputed charges for services to my BarclayXXXX XXXX following the dispute process of the card issuer, by multiple telephone calls as well as via letter. The charges were for verterinary services provided by Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The services provided were of poor quality and were provided by XXXX school students who were not properly supervised by experienced veterinary clinicians, and resulted in the XXXX of my young dog. I have contacted the merchant, who has not resolved the issue, on several occasions prior to contacting the card issuer, XXXX XXXX. The credit card issuer has taken every opportunity to first discourage me from disputing the services, reluctantly entering the dispute, and contacted me by telephone today to inform me that while they had provided provisional credit to my account, they are now recharging my account and not pursuing the dispute because the charges were for services which were already rendered. I responded that of course they were already rendered, but that I still had the right to dispute the charges due to the issue related to the poor quality of the services provided ( the charges were for a total amount of {$5600.00} over 4 separate charges, made in my home state of Texas. I asked to speak to a manager, and was told that no manager was available, but that someone would contact me in a few days. It is clear that XXXX XXXX has no intention of complying with the provisions of the Fair Credit Billing Act by pursuing this dispute with the merchant.

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 2020-08-19
Company: Experian Information Solutions Inc.
State: VA
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:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX for {$870.00} - XXXX XXXX XXXX XXXX In - {$360.00} - XXXX, XXXX - {$220.00} - XXXX XXXX XXXX - {$1400.00} - XXXX - {$170.00} - XXXX XXXX - {$17000.00} - XXXX XXXX / XXXX All accounts ( There are like 5+ of them )

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 2022-04-08
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This dispute is pertaining to my Citi bank account pertaining the late payments for XXXX of 2020. Please see the enclosed documentation.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Theres a fraudulent account named : XXXX showing on my credit report and its affecting me to buy a home

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 2017-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Several months ago I tried to use my card-it was declined. This is puzzling as they are automatically sent not less than {$50.00} and usually {$100.00}. There have been no gaps in payment.

Company response to consumer: Closed with explanation