BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To whom it may concern : I original applied for a Bank of America XXXX University card sometime around 2012. I had this credit card in great standing and as time went by kept my account always up to date paying more than the required payment due and in advance. Upon having other personal credit cards when I would call in they would always ask would you like to consolidate we are running a promotion to which I always said no. Then one day thy started saying well we see here where you owe XXXX XXXX $ yada yada, and you owe this card and that card and would read off my credit card names without me telling them and apparently even had the account numbers so they could send the payments direct. Troubled by this I would say no I would think about it. This happened quite often almost on a monthly basis until one time I bit. After which although I had kept ALL my accounts in order and paid they CANCELLED every card with NO warning!! I wrote to them and received no reply so I immediately called and they said you have too many cards and debt and cut me off. But all my debts were paid on time! Credit Rating was 730-740! Now after all this time I am struggling to pay them. I have repeatedly called to request help with paying it off and they would not help. I have still contacted to make payments and make payments but {$500.00} is the payment and {$490.00} goes to the interest!!! Please help I know I am NOT the only one who was duped by this consolidation trap!!

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 2018-12-19
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/XXXX I submitted a dispute for the charge on XX/XX/18 from the XXXX XXXX in the amount of {$410.00}. Included with the original dispute as well as the redispute filed on XX/XX/18 was an email directly from the merchant prior to checking in agreeing to honor the lower advertised price of {$100.00}. However, the hotel chose to charge me 4x the amount agreed upon.

I filed the dispute originally only days after the initial charge and again a few months after the initial charge, well within the legally allowed timeframe. Yet on XX/XX/XXXX Chase sent me a letter stating the allowed timeframe to file the dispute had passed and they considered the charge valid. 
Thus Chase did not properly investigate or provide a valid reason for denying the dispute as required by 15 United States Code 1666

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
We make monthly payments on both private and Federal loans for my student loans and Navient keeps mis-posting payments to the wrong accounts and making phone calls to us to " collect '' on the bills even though we are paying. They are also charging late fees and making us pay these fees on the account when we should n't have to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Ocwen Financial 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: Account status incorrect

Complaint:
I live in XXXX, TX and was impacted by Hurricane Harvey in XXXX XXXX XXXX. 
On XX/XX/XXXX i entered into a Federally Declared Disaster temporary forebearance agreement with my mortgage company ( Ocwen Loan Servicing, LLC ) due to my wife being XXXX due to her place of employment being destroyed in hurricane harvey, i also was out of work for 1 month due to clean up efforts at my home. The terms of the temporary forbearance agreement were as follows : -monthly payment was suspended between XX/XX/XXXX and XX/XX/XXXX -Ocwen would continue to accept payments if i was financially able to do so -Ocwen would not assess late charges to my account during this period -During the term of the agreement Ocwen would suspend all credit reporting -Upon the expiration of the temporary forbearance agreement my payments would increase to reflect any unpaid monthly payments. 

I was unable to make a mortgage payment for XX/XX/XXXX, as per the FDD forebearance agreement ocwen should have suspended all credit reporting. However, in breach of my temporary forbearance agreement with Ocwen, on XX/XX/XXXX Ocwen reported to XXXX  the my account was " Not more than 2 payments past due ''.

I was thankfully able to make my regular mortgage payment of {$1000.00} on XX/XX/XXXX. Ocwen once again ignored the FDD forebearance agreement and on XX/XX/XXXX they reported my account as " 30 days past due ''. Their explanation for this was that they mistakenly applied my XX/XX/XXXX payment to the unpaid amount from XX/XX/XXXX, even though the agreement states that no payment is due until after the expiration of the agreement. 
On XX/XX/XXXX Ocwen once again breached the agreement by reporting to XXXX that my mortgage account was " Paying under a partial or modified paying agreement '', which impacted my credit negatively. 
On XX/XX/XXXX i made a double payment {$2000.00} to bring my mortgage account current. I also requested to be removed from the temporary forebearance agreement. I also voiced my concerns over the erroneous credit reports but as of this date Ocwen has made no effort to fix the problem. 
Ocwen also refuses to release a {$25000.00} insurance claim check from my flood claim so that i can pay for repairs on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: VA
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:
There were multiple hard inquiries from different companies pulled that I did not authorize. They are listed below : 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 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 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 explanation
Consumer complaint received 2018-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
ORIGINAL COMPLAINT Via automatic payments I over-paid my credit card so there -was a negative balance on my account.After making several purchases I had a negative balance of {$630.00} so, for some reason, Capital One sent a check to me in that amount. I cashed the check and all was fine. I then noticed that Capital One charged me {$630.00}, and called it a Credit Balance Refund ( XX/XX/2017 ). They basically gave me a check for {$630.00}, but then turned around and charged me {$630.00} for something I never purchased. The people at Capital One are saying it is a wash since I cashed the check, but that {$630.00} they sent to me was based on an over-payment of my balance so why did they charge me the exact same amount in XX/XX/XXXX? The original {$630.00} was supposed to be a refund of money I paid. 
If that was the case then why did they charge me {$630.00} on XX/XX/2017? They are using fuzzy math., and I would like to have my {$630.00} returned to me. I have since cancelled my credit card. 

RESPONSE TO THEIR RIDICULOUS RESPONSE The company did send me the {$630.00}. That is NOT in dispute. The issue is on XX/XX/2017 they charged me {$630.00}, and labeled the charge to me as Credit Balance Refund. I do not understand why CapitalOne CHARGED me {$630.00} after they sent me a check for {$630.00}. Why is that charge there? Why did the balance on my account increase by {$630.00}? Look at my statement from XX/XX/2017, page 3, second column towards the top. Explain to me why you charged me {$630.00}. I am getting the same run-around as I received from every operator I called to try and clear this up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: Pacific Union Financial, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Complaint : Pacific Union Financial reported a late payment for XX/XX/XXXX Timeline : -XX/XX/XXXX XXXX XXXX XXXX called to inform me that I was late on my mortgage. At the time I communicated that my loan was with Pacific Union Financial. XXXX XXXX explained that Pacific Union Financial sold my account. I then called Pacific Union Financial to validate and confirm the accuracy of what XXXX XXXX was reporting. Pacific Union Financial confirmed that the mortgage was transferred XX/XX/XXXX -XX/XX/XXXX Pacific Union Financial failed to notify me that the mortgage was sold to XXXX XXXX. 
-XX/XX/XXXX payment was never retrieved from my account by Pacific Union Financial -Pacific Union Financial reported the account late in XX/XX/XXXX. 
-XX/XX/XXXX correspondence was sent by Pacific Union Financial informing of the transfer AFTER the phone call was placed by self. 
-XX/XX/XXXXa welcome package was sent by XXXX XXXX after my request -XXXX XXXX  " XX/XX/XXXX payment '' was finally retrieved after I was able to acquire account information. 
-XX/XX/XXXX I ran my credit report and noticed the derogatory report and sent a complaint to Pacific Union Financial . 
-XX/XX/XXXX Pacific Union Financial replied stating that they would not remove the late XX/XX/XXXXpayment form my credit. 
-XX/XX/XXXX complaint is being filed with CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had to put a new roof on my house last month do to wind and hail damage. I have paid out of pocket for the repairs. I have XXXX statefarm checks for settlement less than what I have paid out. Bank of America 's XXXX web page did not lead me to property claim processing. So I called them. They said go to XXXX which I have for the last 3 days the last XXXX web page unavailable. Before the web page went down there were XXXX more PDF documents to be printed and sent to XXXX XXXX, California for check endorsement. The customer service reviews were horrid. With the web page down I want a local officer in a branch to endorse the checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon checking my credit report I notice a company popped up as a collection which is not accurate at all and I know nothing of the company brought my credit score down and there telling me I have to wait I was about to apply to get a loan this made my wait longer 1+ month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: EQUIFAX, 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:
ftc violation sent to creditors about my inquires they had over 30 days to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: CITIBANK, N.A.
State: MO
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 have a XXXX/XXXX account showing up on my credit as an authorized user since XX/XX/XXXX. My identity was stolen in XX/XX/XXXX taxes and all. I have submitted this information to XXXX  over 70+ days ago to remove this erroneous derogatory account from my credit file. They refuse to remove it and this is preventing me from getting the things I need done. I am trying to buy a home and I don't want this derogatory falsely reported account to keep haunting me. I shouldn't have to pay for identity theft in 6 years later. I want the account removed immediately.

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 2021-06-08
Company: ALLY FINANCIAL INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021, my lender ( Ally Bank ) notified me that I was required to take an online course on homeownership from XXXX XXXX XXXX, prior to being able to close on my home purchase ( currently scheduled for XX/XX/2021 ). They claim this is a requirement of XXXX XXXX 

Before XXXX would allow me to proceed, I was forced to " opt in '' to allowing XXXX to sell my personal information to advertisers for marketing and other purposes, or else Ally would refuse to close on my loan. This predatory practice was not revealed to me until just three days before closing. 

XXXX would not allow me to take the course without providing : my email, mailing address, veteran status, disabilities, current housing situation, date of birth, education, ethnicity, first-time home buyer status, gender, offer status, marital status, other household members, dependents, race, phone number, and family income. 

None of this information was required in order to deliver the course to me, nor did it appear the course was customized in any way based on my answers. There is no valid reason for XXXX to collect this highly personal data. 

XXXX privacy policy ( XXXX XXXX XXXX ) states : XXXX may use your personal information for particular activities, including, without limitation, [ ... ] marketing and research ; studies, making referrals ; providing product, promotional and other information to you [ ... ]. XXXX may share your personal information and any other information you provide to XXXX with its affiliates, referral partners, counseling agencies, financial service providers ( such as companies providing home mortgages ), lenders, mortgage insurers, Federal, State, and non-profit or other business partners in connection with any of the activities described in this Privacy Policy or otherwise engaged in by you through your use of the Services. In addition, XXXX may share this information with business partners for their marketing and research, and study activities. There is no time limit with respect to when XXXX may share information ; and some sharing may occur after you have obtained a loan or engaged in another kind of housing transaction. 

There is no opportunity to opt out of providing this information or to restrict the ways in which it was used. Within less than 12 hours of completing the course, I started receiving unsolicited commercial email ( spam ) from XXXX. 

I should be allowed to control how my personal information is used, without the threat of having my loan application canceled. While XXXX probably feels I have opted in to such data collection and sharing, I did not have any real choice.

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 2018-12-19
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian is now showing my payments to XXXX XXXX services as " late '' over 7 occurrences which is false causing a severe point score drop on my scores. I have never been late with this account payment. They should correct immediately.

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 2019-05-29
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX, XXXX ( Original Creditor XXXX 11 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 2018-05-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent several letters to them regarding a bankruptcy listed on my credit report. The information is incorrect all of it. They have stated that the info was verified through the furnisher which is not true they have never contacted them. I have on several occasions asked for the person who contacted the furnisher as well as the person they have spoke with and they have never provided that information to me. The information they are providing is information from a third party which I have also contacted regarding the info. I have since then froze and suppressed my files and the credit bureaus are still stating they have validated. Once again they have not been truthful. I will like both bankruptcies removed from my reports as they are incorrect. My spouse have kicked me and my XXXX children out and left us XXXX  atvtuis time I do not have attachments. Due to the false information reporting I have been unable to obtain a place to stay for me and my children. U will like this issue resolved as soon as possible so that I am able to secure a place to live for me and my children

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 2018-12-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I'm having a problem with chase bank they are giving misleading information about my funds that I'm missing from my account one person told me they mailed out a check but I never received it i would like to know what's going on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Veripro Solutions Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX we got a second mortgage with XXXX  XXXX XXXX. We got behind in XXXX and it was sold to XXXX they applied interest to the loan and it became XXXX. In all it was put into Veripro Solutions they now say that we owe XXXX. At this time we have offered to pay XXXX to settle and also XXXX they wont agree. I received a letter stating that if we don't pay in 60 days they will place interest on this loan and we will owe XXXX on the loan .. We just want to settle with them but they keep putting more interest and wanting us to pay more to settle .. I have all documentations of the events.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Experian Information Solutions Inc.
State: IL
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:
Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX  still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX  first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX  has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA  XXXX XXXX XXXX  is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX  stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!

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