BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I do not have all the documents in front of me but know that XXXX, HUD and XXXX XXXX   absolutely XXXX my family when applying for a loan modification that ended up putting us into a worse situation than we were in. They constantly said our document package was incomplete and had I us submit 8 packages. The only reason we got somewhere was because we got HUD involved and paid XXXX XXXX, at XXXX XXXX, {$1500.00} to assist! Eventually, we got a modification that added {$30000.00} to the principal, while maintaining same interest rate, and had us start over with a new, 30yr fixed loan? Unfortunately, there was no CFPB when all this was happening so we were financially handcuffed by all these companies who were performing fraudulent transactions or misleading consumers who were going through traumatic period of life. I lost my wife, job and XXXX in the process. I was put into a XXXX hospital for two months and came out defeated. The initial contribution to this time of my life was job loss but then was all due to me fighting to save my home!! In order to save it for a year or two, we were forced into a worse situation. Moreover, I lost this home for good a few years later because I couldnt afford it on one income and my wife was released from any payments on this house. I had XXXX small children to care for and had joint custody. I really hope my past trauma will result in some type of financial relief provided by these huge, awful and deceptive companies/banks that get bailed out when they run into financial struggles! 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Experian Information Solutions Inc.
State: PA
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:
I checked my personal credit report, which I acquired from all 3 major bureaus, on XX/XX/2019 and I noticed that this unauthorized inquiries were reported on my credit reports. 

I contacted the entities who are reporting the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office.

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 2019-03-27
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I opened an account on Saturday. I got a letter from a lawyer XXXX XXXX XXXX on Monday stating he need information about my account. The account has not been active yet and he has access to my information. I feel threatened as he can misuse my information to open other accounts or track my activities without my knowledge. It intrusion of my financial privacy.

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 2019-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company has called and harassed me for years. They are calling my family members including my XXXX year old grandmother and harassing her and scaring her to death. They are abusive to her on the phone as well as my elderly parents. I want them to stop contacting any family members of mine immediately. I have repeatedly asked them to stop and they continue to do so. My family members have asked them to do so as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: Caliber Home Loans, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home Loans, Acct # XXXX, is a third-party mortgage loan service that is now committing fraud and harassment on the complainant. This company stated that they acquired the servicing rights from XXXX XXXX XXXX. I have put Caliber Home Loans on notice several times disputing the fact that we don't owe anything on a mortgage and we are presently in litigation concerning this matter. I stated to Caliber Home Loans, that we never entered a contract with XXXX XXXX XXXX as well as them. I stated to them that the Note and Mortgage was canceled. See exhibit A. 

They now continue to harass me about payments while this case is being litigated for fraud. I now believe that XXXX XXXX XXXX Mortgage, XXXX XXXX XXXX and Caliber Home Loans are now in the mist of promulgating a collusion of fraud and predatory loan schemes to take advantage of us, the Complainants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Mariner finance is not honoring the terms of the contract set in place for the purchase of a reverse osmosis system for our home. The cost of the system was {$3500.00}, mariner finance charged us 16.9 % interest rateAnd now is asking for the full XXXX term interest at the 12 month pay off. I feel they are manipulating the contract to line their pockets further as I have paid them in full within a 12 month.

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 2021-08-17
Company: Kikoff 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of XXXX I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-06
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of XXXX I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: PA
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:
This is my second time doing this because you guys didn't believe It was me. I am submitting some documents with this to prove that this is me reaching out to you because these companies have violated the law and I humbly am seeking justice. XXXX and XXXX a whole month and some change apart. If you read my letters I specifically asked according to the way the US supreme court cases have been handled and these companies violated over and over again and so I am now reaching out to you guys for the hope of future achievement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
The first problem I had was when I was trying to dispute about a hotel charge that I didn't make NetSpend customer service told me that it was the hotel but I called the hotel and it wasn't we worked that out and now I got major issues. XX/XX/2020 I took out {$300.00} from a XXXX ATM the charge was pending even though it was took off my card then. The same day it went through and was took off my card again. XX/XX/2020 I had the same thing happen with an atm withdrawal of {$200.00}. I believe it happen more but them are the times I know of for a fact. Then the card is suppose to have NetSpend payback rewards that's supposed to be credited to your account at the end of the month they only credited me for one month and I had this card for about six months maybe seven months it's in writing and that's one of the reasons I got the card. They also let a merchant take money I didn't have in my account I only had a dollar and it put me in a negative. I tried calling but the lady took and sent me back to the call center where it was a mechanical person talking and I'm pretty frustrated with everything that's going on so could you please help 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 2018-04-28
Company: GREAT LAKES
State: AZ
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 XXXX POA of XXXX XXXX. He took first out this student loan and 6 weeks before graduation was given an ultimatum to leave the school due to his personal issues outside of school so he did not get to finish school or graduate this was in the late XX/XX/XXXX. 
His loan is with ( Great Lakes ) and I have spoke many times regarding payments and the situation in our financial situation when speaking with Great Lakes they gave me a 60 forbarence and removed any payments due. 
Suddenly they drafted my account {$170.00} and with drew their promise as well as raise the payments way from what we can afford. 
I was trying to pay {$44.00} at this time and current am going through XXXX treatments I am his wife XXXX. 
XXXX has lost hours at work with no 40 hour weeks our rent as well increased substantially I have sent a new IDR with all attached over the internet in Great Lakes web sight continually they are sending my emails regarding filing out this application And payment but this was in a forbarence at the time with no update to the change all of this happened suddenly I feel that this student loan first is out of XXXX statutes as well as XXXX not being able to finish his education the constant calls to Great Lakes to resolve this and tell them we cant make payments at this time. We are trying to avoid a garnishment but Great Lakes is not upstanding and follows through after making arrangements. 
I need someone to now intercede and help me first with harassing emails Will not communicate on phone threatening. This is unacceptable, There are many issues reviving this student loan and I would like to take action on getting justice for Great Lakes harassment and the student loan it self should be null and void my reason is the age of loan the reasons XXXX hadnt finished his education financial hardships And at time he was told to leave school he was jailed due to a felony and then in about patient program issued by the courts he has XXXX as he is XXXX   and XXXX and is working but not equipped to challenge this any longer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019, {$610.00} I disputed this fraudulent account from another collection agency and they turn around sold this account to this new company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2020 I sent my initial dispute letters to you. Requesting you validate the information on my credit report and to DELETE the items that you can not validate. You failed to respond to that letter when USPS tracking shows you received this letter on XX/XX/2020. Tracking # XXXX In that letter, I included a copy of my ID along with a copy of my social security card. You had the audacity to send me a letter asking me to send in documents to verify my identity. which I did already. 

I sent you yet again, another letter saying you failed to respond to my initial dispute within the 30-45 days and sent you another letter on XX/XX/2020 stating since you failed to respond to my first request within the 30-45 you must delete any information you are not able to validate within that time frame. In this letter I sent you a copy of my original letter ALONG WITH a copy of my ID and my social security card. 

STILL you have the audacity to send me the same letter on XX/XX/XXXX requesting a copy of my ID and social security card, when I had send them to you in BOTH my previous letters. 

I then sent you another letter stating everything I have sent you before, and what you have sent me in return, even though I have been sending you a copy of my ID and social you still are sending me the same letter asking me to submit that information. In that letter I stated you have been using stall tactics to disregard my dispute by asking for my ID and social when they have been sent to you MANY times before with ALL of my letters. This was the THIRD letter I sent you regarding an investigation into my report. I stated in my last letter that I am keeping record of everything I have sent you and you've sent me. I let you know that failure to comply with federal regulations with credit reporting agencies are a serious violation of the FCRA and that I would not hesitate to report you to the CFPB so here you go. 

I sent you this third letter and you STILL SENT ME THE SAME LETTER ASKING ME FOR MY ID AND SOCIAL SECURITY CARD!!! when I already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$110.00} Reason : Identity theft Please remove it from my 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 non-monetary relief
Consumer complaint received 2021-02-11
Company: CITIZENS FINANCIAL GROUP, 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: Account status incorrect

Complaint:
Citizen Bank Home Mortgage approved my forbearance due to COVID-19, and in XX/XX/2021, Citizen bank approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact Citizen Bank several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
* Issue 1- Experian systems showing " false negative '' in compliant 's credit security freeze status * Issue 2- Experian could not remove the security freeze in place because of the FALSE displayed  showing " no security freeze '' XXXX Damages : Causing extreme financial hardship/ losses to the complaint as the complaint could not refinance his high-interest mortgage loan. 

XXXX Case Details***************************** As of XX/XX/2020, an Experian letter to the complaint showed his security freeze was permanently removed ( Attachment 1/ page 1 ) As of XX/XX/2020, an Experian letter to the complaint indicated that his credit file did not display a freeze. ( Attachment 1/ page 2 ) On XX/XX/XXXX. XXXX the complaint complaining to Experian that the security freeze, in fact, was not removed despite it displayed " no freeze ''. Experian rep in the dispute dept. insisted there was no freeze. Compliant explained it is a false display in their system and the actual freeze is still in place. 
Complaint made repeated calls to Experian on different dates and times to let them know the freeze is still on. The rep could not " remove '' the freeze as the system " showing '' no freeze. 

On XX/XX/XXXX, the complaint 's banker trying to conduct a credit check on the complaint 's Experian 's credit, and the email message from the Experian Customer Care Rep confirmed the complaint 's file IS still under security freeze. ( Attachment 2 ) On XX/XX/XXXX, the compliant took a screenshot of his Experian membership screen and it clearing showing the security freeze is still on. ( Attachment 3 ) *********************************Action To Be Taken by Experian********************* * Resolve1 -Experian needs to address some of their systems showing " no security freeze '' was a false negative. The fact is the security freeze is still on. 

XXXX Resolve2- Experian needs to remove the complaint 's security freeze globally PROMPTLY as the freeze continue to cause extreme financial hardship on the complaint and his family.

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 2019-03-27
Company: NRA Group, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX at around XXXX XXXX, I received a call from a debt collector from National Recovery Agency saying that I owed XXXX XXXX  in XXXX XXXX Illinois {$110.00}. they provided no form of mini Miranda, and I told them I would call XXXX XXXX to verify. After calling XXXX XXXX, I immediately checked my credit score which went down 40 or more points because of derogatory marks related to the collection attempt. NRA in my opinion, did not follow the FDCPA by reporting the information to credit bureaus before the 30 day notification period had expired. I am still verifying the status of the alleged debt by XXXX XXXX who never contacted me in regards to the issue. I am concerned that my credit score is being damaged without any notification on both parties part, and that no notice of how to dispute was given to me by the creditor. ( No person shall be deprived of life liberty or property without due process of law ) I called the collection agency to ask who reported it and they said they would resend the notice in 14 days. This is not sufficient since it does no good to get the notification after the fact. Also, the address the debt collector gave me that XXXX listed was not used since XX/XX/XXXX. 
If that was the last address used, then the last bill would logically be 8-ish years ago.

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 2019-03-05
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In my move from New York to Virginia in XXXX of 2017, I would receive XXXX   XXXX XXXX  bills in bulk forwarded from my previous address to my Virginia address. I was under the impression I had automatic payments set up. My XXXX XXXX XXXX charge that lasted over 90 days was for {$20.00} or so. I make over {$100000.00} a year so this obviously wasn't a financial burden that I was putting off. Yet, this {$20.00} bill has severely brought down my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Select portfolio has Not attempted to collect they SUBMITTED A PAYOFF STATEMENT and COLLECTED {$250000.00} I DID NOT OWE.the money was returned to the title company at least twice. However without a release of the lien associated with the payoff statement it was sent back to select portfolio. In reviewing the payment history. I received XX/XX/2020. There is NO BALANCE. THIS LOAN WAS ALREADY PAID. SELECT PORTFOLIO NEEDS TO RETURN MY PROCEEDS WITH INSTRUCTIONS to release the funds to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation