BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested that the PMI Insurance requirement be stopped many times, beginning back on XX/XX/XXXX to as recently as XX/XX/XXXX and again on XX/XX/XXXX. 
My original request was with Ocwen Loan Servicing and is now with PHH Mortgage which acquired Ocwen as of XX/XX/XXXX. 
I have called numerous times and gotten various responses and various conflicting correspondence via email and mail with both servicers. Initially I was told 1. the loan had to be current every month since inception of the loan to be eligible to stop PMI at the mid point which was XX/XX/XXXX. 
2. Then I got a letter saying it would automatically stop only to receive another letter that said it would not. 
3. Ocwen told me I had to pay for a agent of their choice at a price of {$500.00} (? ) to determine loan to value. The tax valuation was not good enough nor was the assessment of a registered Architects valuation. 
4. I was also told that my house was rented so I had to keep PMI. For the record my home has NEVER been rented and continues to be owner occupied. 
They basically have refused to remove the PMI no matter what I do or who I ask and I do not feel I should have to pay a very expensive realtor of their choice on a mortgage that will mature in XXXX! I have tried arbitration to no avail either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: COMMERCE BANK
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I scheduled a payment to my mortgage company through Commerce Banks online banking for XX/XX/2023. The money, {$1500.00} was taken out of my account on XX/XX/2023 by XXXX, the company Commerce contracts with to handle their online banking. On XX/XX/2023, XXXX, the mortgage company, sent me notification that my account was delinquent. I called them to find out why. they informed me that the check they received was denied payment by Commerce bank. I called Commerce to find out why since i had over {$50000.00} in that account. Customer service for their online banking is handled by XXXX, the same company that sends out payments. they told me that they had the cancelled check from the payment. I requested a copy of it and was emailed a copy of a check that was written by a lady in Indiana to something called " XXXX XXXX XXXX. '' I do not know either the woman whose account the check was written on or the organization it was written to. The check wasn't even from my bank or account. It was sent by XXXX XXXX XXXX. I have spoken with several people at Commerce Bank, XXXX and XXXX and can't get any answers except, " I'll get back to you. '' or " I'll have someone call you. '' the only exception to that is Commerce Bank. The branch manager and his assistant have been putting forth an effort to reconcile the issue. Both XXXX and XXXX reps told me they opened investigations on it and that I would hear from them in no more than 5 business days. That was three weeks ago and I have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX AUTO XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX : -

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Ad Astra Recovery Services Inc
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AD Astra Recovery Services has damaged my credit and defamed my credit by doing the following : 1. Did not send me proper validation when I requested, proving that I owe the alleged debt and that they have a contractual obligation between myself and this company, proving that they have the right to collect on this alleged debt, on the behalf of the original creditor. 
2. They had violated my rights under the FDCPA 809 ( b ) : Collectors that have not validated your debt, but they still continue to report to the credit bureaus, which is punishable by up to {$1000.00} for each proven violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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:
Account # XXXX - XXXX XXXX XXXX - On XX/XX/2021, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. 
Initially, XXXX contacted Experian, but a balance was reflected when it should have {$0.00}. I contacted Experian on XX/XX/XXXX of 2021, opened disputes, and sent the settlement letter from XXXX XXXX XXXX and the XXXX XXXX reflecting that the amount was taken from my checking account. The balance was reduced to {$0.00}, but the letter reflects Paid In Full. With the documentation I mailed in, Experian should have updated the Account Status to Closed as well. I would like for Experian to remove the tradeline. If they are unable to, I would like for Experian to report that this account has been settled, paid, and closed. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of four children and I am unable to purchase a home for my family until this is resolved. l have attached the settlement letter from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.

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 2017-02-18
Company: D. SCOTT CARRUTHERS
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Law office of Scott caruthers. Claiming I owe XXXX XXXX. Have never ever dealt with XXXX. Rude, threatening, obnoxious

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After 10 years sending the payments to my private loans with Sallie Mae ; they notify me this XX/XX/2018 that they havent received a payment for that account. Apparently the payments I have been sending they decided to moved all my payments to the federal loans without any explanation or notification. Because I have my private student loans over paid I wasnt notify until all those payments prepaids finished. Now they are charging me late fee and trying to affect my credit because I havent sent any payment something that is not right. Im kept on sending my payments as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Halsted Financial Services, LLC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I, consumer XXXX XXXX received a letter dated XX/XX/2021 from Halsted Financial Services attempting to collect an alleged debt. I did not request for them to send me any mail to my home or place of work. I am highly concerned about the safety and integrity of my privacy and I am disputing this alleged debt from the mentioned debt collector in pursuant to 15 USC 1692g. I strongly believe Halsted Financial Services is in violation of several federal laws including but not limited to 15 USC 6801.  They did not have my permission to have any access to my personal information and the access they have does not bring any value to me as consumer. I have material evidence that shows where they violated the federal law and used misleading tactics to attempt to deceive me into paying this alleged debt. The communication I received from Halsted Financial Services violates 15 USC 1692c and is highly inconvenient to my peace of mind and privacy to my abode and place work. Halsted Financial Services also violated 15 USC 1692b ( 2 ) stating to me the consumer by mail that they are attempting to collect debt several times in the postcard. The postcard that was sent to my address by Halsted Financial Services was also in violation of 15 USC 1692b ( 4 ). Halsted Financial Services used a branded logo on the postcard that was sent in the mail to my address that indicated they were in fact in the debt collection business which violates 15 USC 1692b ( 5 ). The language that was used in the postcard sent from Halsted Financial Services was obscene and profane and did not bring any value to me the consumer, and the language used in the contents threatens to harm my reputation which violates 15 USC 1692 ( d ) ( 1 ) and 15 USC 1692d ( 2 ). Halsted Financial Services posted discounted advertisements in the contents of the postcard to coerce me into paying the alleged debt which violates 15 USC 1692d ( 4 ). Halsted Financial Services showed a positive balance in the contents of the postcard that was allegedly owed on. I am not sure how or why anyone would pay on a positive balance. Therefore the debt collector is in violation of 15 USC 1692e ( a ) and 15 USC 1692e ( 10 ). In the contents of the postcard, there were several mentions of other persons named as the debt collector as well as Halsted Financial Services. They are violating 15 USC 1692e ( 14 ) and 15 USC 1692f ( 8 ) with these actions. The fact this deceitful postcard was made by Halsted Financial Services and sent to my abode and place of work violates 15 USC 1692j. It is fact that Halsted Financial Services violated several federal laws against me the consumer and it is fact that Halsted Financial Services has a civil liability under 15 USC 1692k ( 1 ) ( a ) to provide a remedy for the damages and inconveniences they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EdFinancial Services
State: MA
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:
I pay {$2600.00} per month on student loans. They just doubled my payment to {$5300.00} in error. There is a 4 hour wait for a return call and I have done this 3 times. Their email does not work. The online chat disconnects me each time. 

This treatment is illegal. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax several times in order to resolve an issue I had regarding identity theft. I was notified that I was a victim of identity theft and was provided a free credit monitoring service. Upon reviewing my credit report, starting with inquires, I noticed there were a lot of unauthorized inquiries on my credit report. I contacted Equifax and was told I did not have the right to dispute my inquires and that I needed to contact the creditors directly. As a victim of identity, I am not aware of half of these companies and did not have any contact information. I advised Equifax that per the FCRA i have a right to dispute inaccurate information. I was then told by the supervisor Friday that I do not have the right to dispute inquires and Equifax will not allow me to. I have a fraud alert placed on my credit file but I am denied the right to dispute inaccurate information on my file. I have attached a list of inquires not authorized. Please review all inquires with * and provide me with valid proof that I, XXXX authorized the inquiry. If you are not able to provide proof, please remove them immediately. At this current time Equifax has violated my right as consumer to dispute any information on my credit report that is not valid. Failure to comply with FCRA will result in no other choice but a potential law suit against Equifax. Please review my file in accordance to the FCRA. 

Thank you and i look forward to a resolution immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 falsely 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 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The Company closed my account due to " inactivity ''. 
Permission and/or consent to close the account ; to make a report to the XXXX. 's about my consumer transaction account history was never granted by me. In turn, they are testifying false and misleading formation. I seek all damages and remedies applicable to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021 I applied for a Neiman Marcus credit card by capital one back application ID # XXXX a 2 weeks later I received there response which was ambiguous and is in violation of the FCRA which states any time a consumer is denied the company must give or point out reasons to which why credit was denied. My credit score is XXXX and I did not have then or now any derogatory information are charge-offs on my credit report when I applied for this account. I've called this company several times trying to get a reasoning to why I was not approved, was told by Neiman Marcus new account manager XXXX # XXXX it was due to credit reason off your report, that was all she can say. First of all I believe that this company has deliberately and maliciously discriminated against me because I am XXXX and XXXX, and based on my credit worthiness there's no reason way I was denied, they couldn't even give me the reason why I was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Flexible Finance, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 XXXX stated that Flex Finance mentioned I may have been a victim of fraud with this account that shows on my consumer file. As of today XX/XX/2022 XXXX has updated the account from it showing 30 days past due on my report but reporting 60 days to it now showing on my report as 90 days past due. All this information is incorrect and XXXX is allowing Flex Finance to report anything on my file. This needs to stop immediately please. Not only is the information is inaccurate, but its showing up on my XXXX report inconsistent with accurate but also false information. I have sent XXXX a copy of my ID theft report along with circling the inconsistencies and now reporting a whole 90 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/ I mailed XXXX XXXX XXXX a Cease & Desist Notice Certified Mail Number : XXXX XXXX XXXX XXXX XXXX XXXX  This letter was delivered to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I demanded cease and desist of this activity as soon as possible within 15 days from their receipt of this notice. Today is XXXX XXXX XXXX  and I have not received any correspondence back from XXXX XXXX This information is still reporting on my consumer credit profile. 

THIS GROUNDS FOR REMOVAL. I HAVE NOT DONE ANY BUSINESS WITH XXXX XXXX  NOR DID I GIVE THEM PERMISSION TO HAVE MY INFORMATION. THIS IS IDENTITY THEFT. THEY ARE DAMAGING MY CREDIT PROFILE. FDCPA FALSE MISLEADING INFORMATION. A COLLECTION ACCOUNT CAN NOT CARRY A BALANCE.

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 2017-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I have been a consumer with Kohl 's since XX/XX/XXXX-XX/XX/XXXX. I have been working very hard on my credit reports to get incorrect information removed. I see that Kohl 's has late payments listed that do not match my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On the morning of XX/XX/2022, I received a phone call from XXXX XXXX XXXX ( XXXX ) stating that I had an outstanding debt of {$500.00} from a payday loan with Speedy Cash that would soon be sent to collections and repaid through wage garnishment. I did " settle '' this debt and paid {$200.00} through XXXX XXXX XXXX. However, after receiving the email stating I paid my account in full, I believe this was a scam. The email address they emailed me from was not a business email, but rather a XXXX email address ( XXXX ). Additionally, I have not been able to find any evidence of a XXXX XXXX XXXX at the address provided. I have attached the document emailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for the TEPSLF program twice since XXXX. This is related to the Public Service Loan Forgiveness Program. Each time, my application was denied. I have met all of the requirements for the program. I was on a Direct Consolidated Standard repayment plan until I switched to an Income Driven repayment plan in XXXX. The Direct Consolidated Standard repayment plan is a qualifying repayment plan under the TEPSLF program. I have met all the requirements for the program : I submitted a PSLF Application and had it denied because of non qualifying payments, made 120 payments that qualify under the TEPSLF program, I have over 10 years of full-time employment with a qualifying employer, and my payments 12 months prior to applying for TEPSLF and my most recent payment prior to applying were on a income driven repayment plan. 

Even though I have met all of the requirements, FedLoan Servicing keeps stating I dont have enough qualifying payments. This is absolutely inaccurate and I have all of my statements over the years to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief