BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been affected by covid-19 and have additional health problems because of covid -19. Requested mortgage assistance with PHH Mortgage again they are not helping me stop the foreclosure sale date to keep my home. I have faxed my financial and paper work for mortgage help.Talked with several PHH customer service reps and they have not been able to help me. I don't want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Monterey Financial Services LLC
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX XXXX contacted me to inform me that XXXX XXXX XXXX will no longer be available to me. XXXX XXXX XXXX stated to me that they will be handling my student loans I will be paying them for my student loans I recently contacted XXXX XXXX regarding my account They stated to me that no money has been paid so with that being said I contacted XXXX XXXX XXXX and they told me that I am paying them for paper work why would I pay so one XXXX just to handle paper work they are very misleading regarding paying back student loans i has under the impression that my student loans were being properly paid until I received letters in the mail stating that my account was past due. After speaking with XXXX XXXX they informed me that more complaints have occurred with this company. They are very miss leading regarding the company I have called several times and every time I call the company isnt open. Its already had paying bills but when your trying to keep credit in line and people like XXXX XXXX   taking money that isnt necessary and they also stated that I couldve handled the paper work on my on but I didnt and this was on a recorded line on my banks telephone number XXXX XXXX XXXX I will like so more information regarding this company that has been taking money from my account since XX/XX/2017 and my student loans have not been paid they never sent me letters through the mail theyve never even told me how much my payment would be so I wouldnt even know what they money was being taken for XXXX XXXX have said that they never even contacted them in regards to my payments that I should me paying a month please help me they are contstanly taking {$57.00} a month and nothing shows for it PLEASE help signed XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: EQUIFAX, INC.
State: GA
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:
XXXX is a fraud account. I never opened an account with XXXX. Please remove and delete immediately from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CBC Companies, Inc.
State: NC
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:
This company has been reporting inaccurate information, unverifiable, no proof of evidence including the dates and amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a car of the year from XXXX in XX/XX/2013. They were using Santander back then ( & they are no longer using them now due to Santander 's bad reputation ). I thought I was getting into a normal loan for 72 months ; the original loan was {$18000.00}. Between XX/XX/2013 thru current year, I have paid Santander a total {$18000.00}. I was shocked to see that during these years, Santander has applied {$14000.00} ( + ) towards interest & only {$4500.00} towards my principal balance. This is how they are robbing people!! They still want me to pay them {$14000.00} more. I've already over pay them & with my XXXX and medical bills, I cant afford to pay them another XXXX. The APR is almost at 17 %. I didn't this would be a balloon loan. I need some assistance & I want to fight this ; I'm not only doing this for myself, but for all those FL victims going thru the same. I tried to get XXXX XXXX news involved, but Santander was refusing to discuss my account with them. But Santander 's executive office from TX contact me & it was like I was speaking with customer service. They were not helpful & made a sarcastic remark that I should have know they were a high loan & ended the call with me that way ; sending me an email 10 minutes later stating my 'case ' as closed. This is why they just recently got sued for millions in both Massachusetts & Delaware. I received a few voicemails from them threatening to come to my residence, workplace, or look up my siblings through XXXX and contact them ( which they did ), if I dont respond & that if no payment is made in the next couple of weeks,  they will find me & repossess my vehicle. I really have no more money to pay them. I was just recently hospitalized & I'm still recovering and have rent and hospital bills to pay. I shouldn't have to pay them another dime. I want the title in my hand. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good afternoon. I'm writing today, in the hopes that you will be able to assist me in getting my loan modification completed. I have been trying since XX/XX/XXXX, to resolve this matter with Chase hyphen on XXXX separate occasions, they have requested the same documents from me, claiming that they weren't signed or that there was a page missing. My most recent communication with them was this morning, where they stated the 4506-t form that I submitted wasn't signed. The third time I've sent it now - it's been signed every single time. I have also been dealing with people who are absolutely determined to derail this process, specifically - XXXX XXXX, point of contact and XXXX XXXX, Mgr. 

I have the ability to return to good faith payments. I have Surplus income and it's clearly evident that chase is trying to push this property to sale. Please assist me here!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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:
It's inexcusable that these accounts haven't been rectified or updated, and I'm becoming increasingly frustrated. If the information is not promptly examined and corrected, and you continue to break the law under the Fair Credit Reporting Act, I reserve the right to initiate a lawsuit against your firm or any company you represent.

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 2021-02-03
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently paid XXXX for a application to First Progress Bank on XXXX2021. This was charged on my XXXX XXXX and posted XXXX2021. I was approved for a secure line of credit. On XX/XX/XXXX I deposited {$500.00} as secure deposit and they charged me {$29.00} dollars again for the yearly membership which was chargeed to the new master card. I belive they are charging me twice. Could you open a case for this with I talked to the XXXX XXXX  but the could only give me my statement where I paid on XX/XX/2021 {$29.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2020 I applied with CrossCountry Mortgage to refinance and consolidate my mortgage and HELOC. In mid XX/XX/2020 the title company asked to provide a copy of my trust ( >100 pages ) which was during the COVID 19 pandemic while working from home. I confirmed with the title company that the information they needed was included on the trust certification which is ~3 pages and they ultimately agreed. I sent the information to the title company and 6 days later CrossCountry Mortgage said the underwriter needs a copy of my entire trust. During a phone conversation with the loan originator he said that the title company 's attorney approval should be sufficient and did not understand why the underwriter needs a full copy. I explained my concerns with sending this personal information that is irrelevant ( health care directive, etc. ) to close the loan. It took 6 days for the loan originator to get the underwriter to agree to a copy of the trust certification. When I received an estimate of the closing costs on XX/XX/2020 there were no fees associated with a rate lock extension. However, when signing the loan documents in early XX/XX/2020 the loan originator charged us {$1500.00} for the rate lock extension. This was never communicated to me prior to the signature date. I signed the documents out of concern I would not be able to close a loan with such a low interest rate and assuming CrossCountry Mortgage would work with me to settle the issue. In mid XX/XX/2020 I spoke with the loan originator at CrossCountry on  the phone and he verbally told me that I provided all the information within a reasonable time frame and that the rate lock extension fees were a result of the underwriter 's unreasonable request and delay. The loan originator said that he will work with his manager to obtain approval for a refund on the {$1500.00} rate lock extension fees. Communication went on for 3 months and during this time the originator said that a refund was approved by his manager and sitting with the accounts payable department. I continued to follow up on status and eventually the loan originator stopped returning my calls. As a result, I am filing a complaint in response to unfair lending practices of charging me for a rate lock extension that did not result from my actions/inactions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed in XXXX  and was sold and they still saying I owe XXXX its still in my credit also given notices about the car they just came and took it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One is reporting false wrong information to my credit reporting regarding XXXX XXXX credit card. The company offered me a settlement offer back in XXXX of XXXX. The settlement offer was for XXXX payments in the amount of {$90.00} by XX/XX/XXXX, giving a total of {$270.00}. 

All three payment were made, and the company have negative information on my credit report saying I owe them three different amounts on all three credit reports. By the fair credit reporting act, they must remove this from my credit due to the error of reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Yamaha Motor Finance Corporation USA
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I opened my account with XXXX nearly XXXX. Unbeknownst to me, my account was transferred to XXXX/Yamaha. I contacted XXXX multiple times in XXXX to make a payment, in which when I finally got through, they told me to contact XXXX/Yamaha because XXXX no longer held my account. I tried on many occasions to communicate with XXXX/Yamaha but was unable to get through. The message I got was that they had a high volume of calls and to try again later. No option to leave a message. I am not sure if this was due to closures as a result of COVID-19 or not. All I can advise is it was impossible to get through. This account is now current/paid standing, yet I lost over 100 points to my FICO score due to lack of communication and mismanagement of my account by XXXX/ Yamaha XXXX Due to this, the late payment history needs to be corrected with each credit bureau to restore the good standing I had on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I remitted payment to my loan servicer, XXXX XXXX , XXXX via XXXX XXXX Bill Pay. Attached please find a ledger showing both the XXXX mortgage payment, and the XXXX mortgage payment. Thereafter on or around XX/XX/2020, I received notice that XXXX XXXX , XXXX transferred the loan to Flagstar Bank. At the time of the transfer, I was not in default or delinquent in my mortgage loan status. 

On XX/XX/2020, I refinanced my mortgage with XXXX XXXX XXXX XXXX , XXXX, thereby paying off the mortgage loan owed to XXXX XXXX , XXXX and its successor in interest, Flagstar Bank. 

XXXX XXXX  , XXXX. failed to deposit the XXXX mortgage payment. XXXX XXXX , XXXX further failed to forward the XXXX mortgage payment to Flagstar Bank. Irrespective of the XXXX mortgage payment, both XXXX XXXX  , XXXX and Flagstar Bank were paid-in-full as a result of the refinance on XX/XX/2020. 

On XX/XX/2020, XXXX XXXX, XXXX caused a derogatory trade line mark to be placed upon my credit. As a result of the derogatory mark, my credit score dropped from XXXX to XXXX. 

Please note the following violations of law : 1. XXXX XXXX , XXXX had no legal authority to report to the credit bureau on XX/XX/2020 as it was no longer the servicer of the loan, and the loan was not in default. 

2. Under Federal Law, neither XXXX XXXX, XXXX nor Flagstar Bank were permitted to treat any payments as late during the 60-day period following the transfer from XXXX XXXX  , XXXX to Flagstar Bank on XX/XX/2020. See 12 CFR 1024.33 3. XXXX XXXX , XXXX and its successor in interest, Flagstar Bank, were paid-in-full during the refinance on XX/XX/2020, and therefore the reporting to the credit bureau on XX/XX/2020 was defamatory and I suffered damages in the amount of {$130000.00}. 

Lastly, neither XXXX XXXX, XXXX nor its successor in interest, Flagstar Bank have refunded me for the mortgage payment of {$1100.00} that is an overpayment due to the refinance. Both banks were required under federal and state law to refund the overpayment and have failed to do so. 

The collection and billing practices of both banks needs investigation. If the banks do not have sufficient policies and procedures in place to avoid reporting to the credit bureau during the 60-day loan transfer, and do not have policies in place for the transfer of mortgage payments from one servicer to the other servicer, and do not have policies in place for the refund of overpayments, the banks need to be sanctioned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a letter to Capital One asking them to validate the debt for two accounts. As of XX/XX/XXXX Capital One have fail to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Issue with XXXX Bank / HELOC Account. 
Regarding alleged late payment from back in XXXX of 2018. 
I have never missed a payment or been late with this loan. I even provided copies of my bank statements proving that the payment was made on time to XXXX Bank however, they continue to report the account as being one month as late in XX/XX/2018. Please feel free to review my full credit history as I have never been late or missed any payments with any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Early Warning Services, LLC
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: Account status incorrect

Complaint:
Much of the info Early warning is showing is WRONG! I dispute it ALL ... XXXX XXXX and XXXX XXXX all wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX is reporting a debt I no longer owe. This is paid off and it is past the statute in NC and I would like for this to be removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: LEXISNEXIS
State: NC
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:
This company has been reporting inaccurate information, unverifiable, no proof of evidence including the dates and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Bridgecrest Acceptance Corporation
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My husband and I have files several disputes with XXXX, XXXX, XXXX, and BRIDGECREST, about inaccurate information on my credit report. The first time Bridgecrest was reporting all the negative payment history and refused to include the positive payment history. After trying to dispute that, Bridgecrest started placing IN REPOSSESSION for each month for 3 years after the car was repossessed. We sent in another dispute, XXXX, XXXX and XXXX reported the same inaccurate information. We tried to fix the problem by calling BRIDGECREST to report the inaccurate information. XXXX told us, they wasn't fixing anything, because everything they sent to the credit bureaus is correct until 2026. We explained that the account cant be still open, if we don't have the car. We also let him know, reporting IN REPOSSESSION for years on our account is not fair. He replied, it is what it is and that is what they will continue to report every 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 2020-12-06
Company: BBVA FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had an account with BBVA. I called over the phone to close the account down due to some financial difficulties. The representative stated she would close the account. Three months later I discovered BBVA did not close the account. Instead the charged me NSF fees and monthly service fees. BBVA has now sent my account to collections. I am disappointed by BBVA. I plan to let everyone know of its unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: SANTANDER HOLDINGS USA, INC.
State: MO
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's a credit report on my score I'd like to dispute it under the 15 USC 1681B And 15 USC 1681A

Company response to consumer: Closed with explanation