BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-23
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Servicing acquired my current home loan. Previously, Ocwen reduced the mortgage payment to about {$1100.00} per month without me having to refinance. Recently, Ocwen increased my mortgage payment by a ridiculous {$800.00} extra per month. Now my current payments are {$1900.00}. Ocwen said this was due to an escrow shortgage.???. Anyway, I have been sacrificing to pay this outrageous amount for the past several months and I know the escrow shortage should be cleared up by now. I requested that my payments be lowered back to around {$1100.00} and was told that couldn't be guaranteed since the shortage amount had already been calculated and included in the remainder of the loan balance. Ocwen said that I could re-finance. I DO NOT want to refinance with Ocwen. I didn't refinance for them to lower my payment prior to this huge mortgage increase so I shouldn't have to refinance now. This will only add additional fees and increase the loan amount. I also received a notice from Ocwen stating they have PMI insurance on the loan. I want this removed to help lower the mortgage.payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: GOLDMAN SACHS BANK USA
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an Apple credit card through Goldman Sachs. They have a cusotmer assistance program in which if you can not pay your bill they defer it for a month, and you pay no interest. I have documentation that shows I had an arrangement and they continued ot send me late notices and threatened ot susupend the card, and then did so. I had an email they sent me stating that I was on the customer assistance program for XXXX. I also have chat documentation showing the rep advised ot ignore the payment reminder as I had a deferred payment for XXXX. When I contacted them via chat ( as this is their method for customers who need assistance ) they bounced me around for 8 hours from department to department and asking me the same questions and never sending me to the right department. They sent me to XXXX, they sent me to itunes- everywhere but what I asked. I sent the information to the XXXX and advised they needed to correct my bill and stop sending me threatening messages, late notices and unsuspend my card. I also asked for it to be corrected with the credit bureau, as I had an arrangement and they agreed that I did, but they still kept saying I was late, even though I uploaded the documentation to show them. They told BBB they would correct all the issues, but they have not. I asked for a supervisor today and the supervisor claims that it has been corrected, I just can't see it. They previously reversed only XXXX of it, and this has been going on since about the middle of XXXX when they first started sending me notices that I would have a payment due, even though they sent me an email to confirm I was on the plan, so no payment would be due. They are attempting to drag this out to make me pay more interest. There should have been no added interest because I was on the plan. They refuse to reverse the XXXX because they are trying to make me pay more interest. They continue to drag this out, as I have been going through this since about the middle of XXXX when they started sending me reminders for payment when I had already made an arrangment, again, which interest is not charged when you are on an arrangement, and those are their rules. They have not kept their word. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Velocity Portfolio Group
State: PA
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:
XXXX XXXX- FOR XXXX  XXXX {$2200.00} Opened XXXX, FRAUD, MULTIPLE DATES DISPUTED, AND MULTIPLE CALLS TO BOTH COMPANIES XXXX XXXX-FOR XXXX XXXX OPENED XXXX {$1100.00} FRAUD DISPUTED MULTIPLE TIMES, CALLED MULTIPLE TIMES XXXX XXXX XXXX FOR XXXX - {$1100.00} XXXX XX/XX/XXXX FRAUD MULTIPLE DATES DISPUTED, MULTIPLE CALLS XXXX XXXX FRAUD ACCOUNT # XXXX XXXX  XXXX FRAUD ACCOUNT # 2 XXXX XXXX FOR XXXX XXXX, MULTIPLE ACCOUNTS ( 6 ) Fraud DISPUTED MULTIPLE TIMES, MULTIPLE CALLS XXXX  XXXX OPENED XX/XX/XXXX, FRAUD, MULTIPLE DISPUTES, MULTIPLE CALLS

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 2022-02-03
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:
On XX/XX/2021, XXXX XXXX XXXX  appeared on my report with a balance of {$12000.00}. I submitted a report with CFPB case number XXXX and received the attached report from XXXX XXXX  XXXX with no record of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and someone stole my personal information and opened up the following credit card accounts unauthorized and fraudulently in my name : XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, The accounts are fraudulent and do n't belong to me. I never ever applied for the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in XX/XX/2003. My mortgage was sold several times and each time with larger problems. Eventually I was told the house would be foreclosed If I didnt agree to modificatioN. 
I have all of the paperwork to support this. 
Ultimately I have a XXXX balance on a mortgage of XXXX. That I have been paying monthly in for 14 years This is a travesty and I need help addressing this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, In my report wrote not right my address, where I never living. 
In my report request from, - XXXX XXXX, XXXX XXXX, consumer portfolios XXXX, XXXX, XXXX XXXX XXXX, what I never do, part of them do my husband, part of them all ready paid full by my husband, but system add all this to my report and additionaly wrote request done but never finance or paid, really for example XXXX XXXX paid full one years ago. 
I never do any cars finance, all this for me do my husband, but when he right complain about not correct credit report this system transfer his request to me, and wrote it is never paid. 
I do request XXXX XXXX medical group three time from XXXX, please explain reason this bill and send it to me.I do not see this till now, but they add in my report two collection account. 
Please let me know what it is, -illegal business, discrimination XXXX people, infridgement personal freedom because someone need improve self 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 2018-04-28
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am angry that Citi and XXXX XXXX XXXX, bailed out with my tax dolkars, are engaging in social engineering and anti-constitutional practices by refusing to do business with perfectly legal XXXX manufacturers. 
Because they accepted tax dollars to cover their mistakes the are now semi- public companies. 
Their actions should be sanctioned by regulators

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 2018-03-13
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
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:
XX/XX/2018 paid {$780.00} and XX/XX/2018 contact Mercedes Benz Financial Service ( MBFS ) via telephone to check status of receiving credit for payments not list on MBFS summary list of payments already applied In XX/XX/2018 sent a written inquiry to Mercedes Benz Financial Service with a copy of paid receipts with transaction number regarding proper credit for XX/XX/2018 and XX/XX/XXXX inquiring whether payments were credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Unfair overdraft practices from 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 2020-07-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase locked my checking account on XX/XX/2020, I have not been able to access the funds since then, a local banker stated that Chase is closing the account and he does not know if or when I will be able to access the {$200.00} of funds therein.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an email stating I owe a debt for an apartment at The XXXX at XXXX XXXX. I was employed with the management company who manage the property. I surrendered the unit to the management company on XX/XX/2022. I was not under a lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Carter-Young, Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX collections is reporting on my credit a medical collections account that IS PAID IN FULL AND WAS BEING PAID BY THE INSURANCE it can not legally report anything on my credit as I do n't have an account with them and Medical collections cant be reported if they are being paid by Insurance. They use the name carter young on XXXX Credit report and the name XXXX on my XXXX report and have no name listed on XXXX the account has a XXXX balance and needs to be removed within the XXXX days that they are allowed by the FDCPA as my right 1. I am requesting a FULL payment history 2. The contract that I have with XXXX ( I do n't have one ) 3. The signed paper work req for me to waive my hippa rights. 
4. The contract where this account was placed with XXXX has XXXXdays as the law stats to validate this debt provide my in writing the the above information. If they fail to do so they have XXXX options remove this account from my Credit File or face legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: TD BANK US HOLDING COMPANY
State: MA
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:
In XX/XX/2018, the final payment on my auto loan with TD Auto Finance was to be paid. Throughout this loan, it was set up on auto pay. TD Auto Finance turned off auto pay, and I did not receive information of this until 90 days due, which I then made the last payment.

I have contacted TD Auto Finance, noting this and they responded " After reviewing your dispute and the facts your provided, we concluded that we are correctly reporting your account history and other relevant information to the credit bureaus ''. 

Completely crazy that the failure for them to take payment is a reportable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: DE
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$10000.00}, XXXX XXXXXXXX XXXX Balance : {$650.00}

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 2020-09-18
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax 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 explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Charged on XXXX and XXXX for trans union XXXX $ monitoring that i never set up. Disputed on XXXX with my bank they resolved it. Then tried to cancel on XXXX and the customer was XXXX  no help at all and constantly transferred.

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 2021-02-25
Company: EQUIFAX, INC.
State: VA
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:
After reviewing my credit report through my monthly monitoring service, I noticed that items that were previously deleted from my report were re-reported after years have passed since they were deleted. When I reached out to Equifax and requested that this be corrected immediately, I was advised that there is no way to correct this and that my file is split into two. Unfortunately, as a result of this error, Equifax is now given out information that is untrue about me XXXX defamation ) and refuses to correct it. Before I get an attorney and sue them for this violation of federal law, I am asking for the CFPBs assistance in getting my credit file corrected so that it is not split. This conduct clearly represents a willful and wanton negligence on the part of Equifax. I am essentially authorizing and requesting that you investigate this issues and correct it at once. Please see attached my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: LoanCare, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

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 2020-06-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/ original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. XXXX  XXXX XXXX {$2500.00}, XXXX {$4600.00}, XXXX XXXX {$4600.00}, and XXXX XXXX {$280.00}. Documents have been submitted to all credit bureaus.

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 2020-09-18
Company: CITIBANK, N.A.
State: CA
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/2020, I used a Citi credit card to pay {$330.00} for the HOA title inquiry fee. After some time, I eventually begin to forget about this payment. And afterwards initiated a dispute over the transaction. Then my proxy alerted me that this transaction has been canceled, it was then I realized that the transaction is normal. My proxy told me that the transaction failed, and I need to pay again. When I checked the banks serial, I saw that the transaction was indeed cancel. So, I re-paid the transaction with my XXXXXXXX XXXX  credit card, as well as provided evidence to support my dispute. What I didnt expect was that two weeks later, Citi bank replied to me saying that I still need to pay this incurring amount. 
It was strange, first, my HOA did not receive this fee, otherwise they will not notify me that the transaction was not successful. Second, I provided evidence that proofs my dispute. Why does Citi bank still asking me to pay the fee after that?

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 2022-02-03
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 XXXX XXXX Solutions reported a collection charge off to my credit report. The report is fraudulent and the information on file is not my accurate information and I never lived at the address listed on the debt.

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 2020-12-05
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: Was not notified of investigation status or results

Complaint:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 4 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

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