BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan servicing ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX ) provided an inaccurate payoff quote that resulted in an over payment of my mortgage of {$5200.00} on XX/XX/2019. This over payment was placed in a suspense account by Ocwen. Ocwen consolidated all mortgage accounts with PHH Mortgage Services as of XX/XX/19. Since my mortgage has been paid off in full and I have never had an escrow account with Ocwen ( I paid paid all taxes and insurance fees directly ), I should be refunded the amount that Ocwen received as an over payment. I have contacted PHH Mortgage Services by email, phone and letter describing this issue. I have received no response that addresses the return of my money, Return emails only say, " You will receive a response email from one of our Customer Service Representatives within 5-7 business days. My first email to them was on XX/XX/19 and I have yet to receive a " response email. '' Customer Service Representatives ( after I have been on hold for as long as 30 minutes ) claimed to have referred my issue to the, " Escalation Department. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
submitted complaint about bank of america and they responded with phone numbers they will not answer and invalid email address phone XXXX ext, XXXX and email 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 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 respectfully request that the company offices provide me with competent evidence that I have any legal obligation to them or else remove the inquiries from reporting on 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 explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, 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:
I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal accounts from my credit report. However, after various formal certified mail disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false debt. 

XXXX XXXX XXXX Amount : {$14000.00} Date Opened : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Amount : {$400.00} Date opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Better Mortgage, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Better.com provided me with a Loan Estimate for a property house with price {$510000.00} in XX/XX/2021. The Loan Estimate included a 2.75 % fixed rate ( 30 year term ) and {$4900.00} in lender credits. Now that the property is supposed to close on XX/XX/2021 they have updated the lender credits on the Loan Estimate to {$3700.00}, a difference of {$1200.00}. They expect me to come up with the extra money before closing. I tried to resolve the issue with one of their Home Advisor 's ( XXXX XXXX, License # XXXX / NMLS # XXXX ). Her exact response in writing : " Unfortunately, pricing on all loans are subject to change if there are changes to the loan parameters after the rate is locked-in. '' Better.com is in violation of the TRID Rule 's good faith disclosure standard under 12 CFR 1026.19 ( e ) ( 3 ) ( i.e., a tolerance violation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Financial Assistance Inc
State: NV
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:
Please forward the information to FINANCIAL ASSISTANCE , INC.. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been a client with Citibank for over 17 years I have a two checking account plus pior student loans that are now close and paid in full They send me Pre approve offer for a credit card so I apply then send me a letter like oh we are sorry we cant approve you at this time They are looking at wrong information and old information on my credit file

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 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-10-19
Company: Real Time Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been harassed by this company they have called repeated time and sent repeated things in the mail. On XX/XX/2021 at XXXX XXXX and XX/XX/2021 at XXXX I got a phone call from Real Time Resolution. The representative was stating that they are collecting an alleged debt. I never heard of this company. I have been sent multiple items in the mail from this company and I feel harassed. The letters they keep sending are false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A person pretending to be me has reported to XXXX, XXXX, and XXXX that my credit cards have been missing/lost and requested new credit cards to be sent to my address. They also submitted a " change of address '' request with the USPS which i never authorized or knew about. They also opened a new credit card/account with XXXX XXXX. I have called XXXX, XXXX, XXXX, and jet blue and had all my cards/accounts closed/replaced. The dates of these events take place between XX/XX/XXXX  and XXXX/XXXX/XXXX. I also filed a police report describing the events on XX/XX/XXXX  with the XXXX XXXX police department in OH.

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 2020-11-25
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt owed to an apartment with another collections agency. After being contacted by Professional Debt Mediation, they ignored my emails, calls and voice messages for resolution to my paid debt. I paid another company called XXXXXX/XX/XXXXfor {$520.00} on XX/XX/2020 for debt I owed to 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 2022-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for false reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
Company: Experian Information Solutions Inc.
State: OH
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:
on all 3 credit bureaus they have a negative report from XXXX which states i owe {$510.00} to XXXX on behalf of XXXX. The problem is I resolved the debt directly with XXXX. we agreed on payment of {$180.00} ( which I paid ) and XXXX allowed me to resume services once I paid the {$180.00}. I have informed all 3 bureaus that 1. I never received a bill from XXXX and 2. I settled the debt directly with XXXX for {$180.00}. The bureaus claimed they investigated and still found in favor of 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 2017-11-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have written to XXXX on a minimum of three occasions requesting proof that this account is mine. I have no recollection opening an account with them and certainly did not fail to pay any amounts owed. They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. This charge off is harming my credit profile and score.

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 2017-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
This is a general comment. When I received my mortgage I was quoted a rate and an APR which took into account the fees I was going to pay. This allowed me to compare rates in an apples to apples scenario. 

However, I do n't understand why the same does not apply to credit cards. They promise these XXXX XXXX XXXX XXXX  APR balance transfers but then charge a XXXX XXXX fee or higher. Should n't these fees reflect in the XXXX. It seems like a false advertisement. I am essentially paying them an interest rate upfront they just call it a fee. Then when the promotional rate expires you are paying interest on that fee. 

Seems like an unfair and deceptive practice to me. At least require them to state an accurate APR that includes the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: GOLDMAN SACHS BANK USA
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
My XXXX credit card was switched from XXXX  XXXX to goldman sachs XX/XX/2022. I received notices by text and email late XXXX and early XXXX of suspicious activity on the account. XXXX I tried to call to report the card stolen and the purchases on XXXX as not mine. The call took over 2 hours. I had no success having the purchases marked as fraud. I also tried to cancel the account. In addition, I set up the new account with goldman sachXXXX XXXX XXXX to try to report the card stolen, the purchases as fraud and to cancel the account. The website is not operational yet to complete the 3 tasks. I also tried their chat box online. As with the phone and website, the chat box is also not operational.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Block, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had XXXX of small charges taken out of my cashapp cash card between the months of XX/XX/2022 to XX/XX/2022 while I was dealing with a personal matter and didn't have access to my cashapp acct. I have sent multiple emails to the merchant to get a refund with no response. I then went to try to do the chargeback with cashapp and they keep denieing it saying I made the charges any other bank would of flagged my card when so many charges to the same merchant for smaller amounts but not cashapp they kept letting the charges go through and refuse to give me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX ( XXXX XXXX XXXX ) contacted me about an alleged debt. I responded with a debt validation letter requesting several items. They sent me two of the things I asked for. I responded telling them that they did not provide what I asked and that if they did not provide it, I would assume that they did not have the right to collect on it. They did not respond. Instead, they sued me. I know they are currently barred by the CFPB in regard to filing suits in which they do not have proper paperwork but yet they are still doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted me about an alleged debt. I responded with a debt validation letter requesting several items. They sent me two of the things I asked for. I responded telling them that they did not provide what I asked and that if they did not provide it, I would assume that they did not have the right to collect on it. They did not respond. Instead, they sued me. I know they are currently barred by the CFPB in regard to filing suits in which they do not have proper paperwork but yet they are still doing 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 explanation
Consumer complaint received 2019-05-12
Company: Perfection Collection
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I couldn't keep paying the bill, they didn't say that it was a two years contract, when i close my account they say now that have to pay {$2900.00}, for the all system, the salesman that came to my home said that the all system was included in the monthly plan

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Uplift, Inc
State: GA
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:
THERE ARE 3 XXXX XXXX  Unauthorized inquiries COMPANY NAME XXXX XX/XX/2021 COMPANY NAME XXXX XX/XX/2021 COMPANY NAME XXXX XX/XX/2021 I HAVE 1 COLLECTIONS COMPANY NAME UPLIFT account that is fraudulent.I have contacted the company. I was informed that this was a loan taken out in my name, I have never received funds or anything. I have spoken to this agency twice. 

Company name XXXX XX/XX/2021 Company name XXXX XX/XX/2021 Company name XXXX XX/XX/2021 Company name Uplift account XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
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: Was not notified of investigation status or results

Complaint:
I have been sending letters for almost two years trying to get this account off of my credit report, this account does not belong to me and the entry is harming my credit report. I did not authorize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have already disputed these accounts and Experian has failed to conduct an investigation within 30 days. I submitted an investigation XXXX and have not received any documentation and the accounts are still reporting on the credit report. I was under the impression that after 30 days and an investigation has been completed the accounts have to be deleted according to 611 ( a ). This is automatic grounds for deletion so these accounts need to be deleted from my reports immediately. I am also a victim of the XXXX Databreach and there is no telling who has been using my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: American Coradius International LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/21 from American Coradius International LLC saying that I owe {$1300.00} on my XXXX account. It states that unless I notify them in writing within 30 days disputing the validity of the debt, they will assume the debt is valid. The letter states that they would accept {$990.00} as a partial payment by XX/XX/21. American Coradius International LLC is requesting that I make the payment directly to them ( instead of to XXXX ). 

I contacted XXXX and they confirmed that I have {$0.00} debit with them and have always had {$0.00} debt with them. They suggested I disregard the letter and not provide any information to American Coradius International LLC, as they believe it is fraud. 

I believe the letter I received from American Coradius International LLC to be fraud/scam or a case of identity theft and do not plan to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I just need help gettin it off my credit scores they got the car back an it sold at Auction for XXXX an she got the car for XXXX an pay XXXX on it an now they send me a letter sayin I owe XXXX from BBVA compass

Company response to consumer: Closed with explanation