BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Phh Mortgage/XXXX XXXX is the mortgage company I am dealing with for an insurance claim with water damage and construction. There is an escrow account because the insurance funds were endorsed to me and the mortgage company. 

The initial check of {$57000.00} was sent to the mortgage company and endorsed by myself and my public adjuster ( endorsed as directed by the bank, and in the same way the public adjuster has endorsed thousands of checks, including checks I have been able to deposit to my own accounts for housing loss of use without any problem ). The mortgage company first received the check on XX/XX/XXXX. Construction and demolition started XX/XX/XXXX. After a lengthy argument and multiple phone calls they would not accept the endorsement, sending it back on XX/XX/XXXX, received XX/XX/XXXX. I followed the mortgage co instruction for how they wanted the endorsement corrected and sent it back overnight mail for {$40.00} to be received XX/XX/XXXX. Once again they refused to accept the endorsement. I had the mortgage company and the owner/authorized signer/public adjuster on the phone together and they still refused to accept the check as endorsed giving different instruction for how they wanted it endorsed. Once again I received the check back and overnighted it again, which they indicate was not logged as received until XX/XX/XXXX. In the meantime I received another check for {$7200.00} that I sent in for endorsement by the mortgage company. I requested an inspection anticipating 5-7 days to schedule as outlined by the mortgage company on XX/XX/XXXX since our contractor anticipated 6-8 weeks construction or less. By making phone calls to the mortgage company every day, they finally released {$40000.00} which was received on XX/XX/XXXX. 

It took until XX/XX/XXXX and daily phone calls to get an inspection done to get the next funds released. My contractor had to slow work until I could provide more funds. On XX/XX/XXXX the check was mailed and I requested another inspection. Another check for 60 % of the work complete was received on XX/XX/XXXX. Again, there was a delay and it took until XX/XX/XXXX to get an inspection which indicated 90 % of the work was complete, therefore the rest of the funds should be released. As of today XX/XX/XXXX the funds are still being held and are supposedly pending the " inspection results '' which per the inspector were sent the same day as the inspection. They have approved an " emergency fund release '' of half of the balance to be sent today, but the remaining $ XXXX is still not released. The construction is wrapping up this week and PHH. Mortgage/XXXX XXXX are holding the funds hostage. These ongoing delays and inappropriate handling of funds is not acceptable, yet there is very little recourse that I seem to have to do anything about it. 

DO NOT work with PHH/XXXX XXXX if you want a fair and effective mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a checking/savings account with XXXX XXXX XXXX. I overdrafted my checking account and was going to pay little by little in order to pay it back with the overdraft fee, typically a bank gives you 30 days to pay it back without charging another overdraft fee. I paid the bank {$1500.00} but they still sent the report and put it on my credit report as closed with a delinquency of {$2600.00}. My credit score went from XXXX to XXXX due to this, and the bank did not contact me at all. This is horrible and I need to fix it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I set up two separate withdrawal requests on XXXX XXXX, 2018 for the amounts below : XXXX XXXX, 2018 for {$1700.00} USD ( Simple Savings : XXXX ) XXXX XXXX, 2018 for {$250.00} USD ( Simple Savings : XXXX ) I clearly was able to transfer {$5000.00} to the Simple savings account ... .so it DOES exist. 
One week after I set up these very important withdrawals I received the same message ( for BOTH transactions ) from the 3rd party who was to rx these two withdrawals as deposits. One of the messages showns below : " Your transfer on XXXX XXXX, 2018 for {$250.00} USD was reversed by your payment method. 
Unfortunately it looks like your bank ( TD Bank - TD SIMPLE SA ... XXXX ) has reversed your payment with the following message : No Account / Unable to Locate Account ( XXXX ). '' Am I going to have to WAIT another WEEK to get MY MONEY?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NOTICE : Identity Theft Nonpublic Information Shared Without Consent Attn : Consumer Support Services I conditionally accept your offer upon proof of bona fide claim. 

1. Pursuant Federal Law 15 USC 1692 ( a ) congress made it very clear that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors which includes Midland Credit Management. Congress also made it clear that Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

2. Pursuant to 15 USC 1692 ( e ) congress also made it clear that the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, and to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 

3. Pursuant to 15 USC 1692 ( XXXX ) I am a consumer a natural person not obligated to pay XXXX XXXX Funding. 

On ( XX/XX/22 ) I received a letter in the mail from your company ( Midland Credit Management ) stating that I allegedly owe {$960.00}. In fact, pursuant to 15 USC 6801 ( a ) I believe my nonpublic personal information was stolen, used or my individual privacy rights were violated by Midland Credit Management. I did not consent to or give Midland Credit Management authorization to have my nonpublic personal and private information. Please provide me with an express written consent or authorization form as proof of bona fide claim. 
Please be clear, complete, and accurate with any supporting documentation that proves your claim is valid. 

Notice : Further attempts to collect on an account already agreed to setoff settled and close leads me to believe you may be committing FRAUD and shall incur a penalty and/or criminal liability for XXXX XXXX dollars ( {$10000.00} ) each day this account is being furnished on my credit report. This is my offer to Midland Credit Management. Failure to comply under federal law will result in a claim filed against you. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I discovered the identity theft and notified BB & T/Truist on XXXX XXXX. After several months and contacts, I received a notice from Truist that it is a fraudulent account and was closed. Today XX/XX/2022, I received a notice from a debt collector XXXX XXXX XXXX that they are trying to collect {$200.00} on the account.

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 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/21 I used XXXX XXXX to send money ( {$450.00} ) to someone for a XXXX gift. It all ended up being a scam and I never received the goods. The person ended up blocking me after hours of me trying to reach them so I no longer have any ways of contacting them. I reported the issue to XXXX XXXX  where they did absolutely nothing about it. They told me to just request the money from the person and to see if theyd refund me, which never happened. After several attempts to collect my money from XXXX XXXX, I ended up contacting my bank, Bank Of America for the funds. They told me that theyd investigate the situation only to turn around and deny my clam. I even tried to notify them as the payment was processing to see if they can stop and reverse the transaction. I need help. This is extremely unfair and {$450.00} is a lot of money to just lose.

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 2018-01-16
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX our home was damaged during the Harvey Hurricane. Insurance paid  {$160000.00} for repairs. I sent the endorsed check to the loss draft department at US Bank. I have struggled to get money from them from day one. The first check of {$25000.00} took 30 days for them to return to me after they received the check. This stalling to pay me the money to rebuild my house has delayed me by at least two months. Every time I have called I have been apologized to and told " I am sorry XXXX XXXX but that employee told you something incorrect '' and the process starts all over again. I passed the 95 % completion on XX/XX/XXXX and was told my money would be on the way. Nine days later they are telling me they will not release the funds because the cabinets were no painted and two tiles were missing from the bathroom. 

I truly believe US BAnk is holding as much money as they can for the daily interest. My little {$160000.00} means nothing. When you add up the 300,000 homes damaged in the area, the daily interest on that would be huge. I have not been treated well by US Bank. What more do I have to do to see this complaint through to the end? 

The only reason I got two payments behind is because US Bank called us. They said " WE would like to help and offering a 3 months house notes differed to the end of the loan. At the end of 90 days they called and said we owed three house payments. How would that help us. We used what should have been house notes for repairs. How could setting us up with a changed story at the end of 90 days help anyone. I have never even been late on my house notes in 15 years. Now they are calling and threatening us by saying they " Could '' send us to foreclosure. 

So to recap. US Bank called and said we would not have a payment for 90 days, those payments would deffer to the end of the note. We used the mortgage money for repairs, they called at the end of 90 days and said they want all three payments. We are a payment behind. Behind because we used all of our money to get the house fixed because nUS Bamk is so slow getting us the money. Now they are holding the rest of the money and stalling our final payment of over {$90000.00}.

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 non-monetary relief
Consumer complaint received 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital one is holding my credit balance of XXXX on my account for over 12 months ( since XX/XX/2021 ). I have made multiple request in writing and by phone for the refund to be mailed to me, but Capital one has ignored my requests without merit. This extended delay is unacceptable, unreasonable, and illegal! I previously filed a complaint about this under Capital One Case : XXXX - CFPB Case : XXXX. I received a reply on XX/XX/2021 stating : - We understand that you would like a credit balance refund. However, the funds are still under investigation. At this time, there is not a time limit on how long the funds will be held. Once the investigation is complete and the hold has been released, we will contact you. - Since XX/XX/XXXX, 2 additional ( 5 ) months have passed without resolution. - Respectfully, I would think that within these 5 months Capital one had ample time to completed the review. I do not believe you have any legal right or justification to continue withholding my funds. You have left me now without recourse because the merchant has been charged back and you are holding the credits for all this time. This is unfair and needs to be resolved without any further delay. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NCC Business Services has continuously denied and ignored my credit bureaus disputes stating that I owe an inaccurate amount of money. I have advised NCC Business Services on several occasions to no longer contact me via phone, and to only communicate with me via postal mail. NCC Business Services continues to contact me via phone and leaves voicemails on my phone as well as my relatives phone number identifying themselves as a debt collection agency. I have submitted several receipts over and over showing that the amount they are claiming and attempting to collect has been paid. I have submitted receipts to them directly as well. This collection has been reported on my credit report. This collection is not valid I request the negative reporting to be removed immediately as it is in violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account was closed and assigned to collections as per XXXX XXXX contact on XX/XX/XXXX NOT on XX/XX/XXXX of XXXX as I C Systems has reported. This debt was " Re-Aged '' as is an illegal practice and known to be used by collections agencies to try and collect possible old debts debts. 

The information on account number of XXXX and the date of XX/XX/XXXX was provided directly by a customer service representative today XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: JPMORGAN CHASE & CO.
State: IL
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:
I bought a ticket from Chase 's ultimate rewards program ( trip id : XXXX ). Chase sent me an email saying the flight has changed and the newest flight did not allow enough time for a change to the second leg ( see attached ). I purchased a new ticket for the same trip and asked Chase to cancel the ticket. Chase and XXXX neither helped me to cancel the ticket. Chase customer service told me to reach out to the airline and airline told me to reach out to chase ultimate rewards team. 

I did not get any refunds and I spent more than 5 hours trying to resolve this issue 3 days prior to my flight. 
Please see attached change flight email ( according to XXXX and Chase, I am eligible for full refund ). Neither of them helped me and I am out ~ {$1500.00} and had to purchase another ticket ( XXXX Please see attached boarding pass I ended up using ) I need CFPB 's help to recoup refund from Chase ( {$1400.00} )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Harrassed for payments during deferral, sent misleading statements, no acknowledgement f market conditions.

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 2018-01-16
Company: ProCollect, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
OK so XX/XX/2018 was a Friday afternoon. I called XXXX to try and settle a debt That I have in the amount of {$470.00}. After explaining to an agent what I was calling for they then looked up my account and tell me that I had another account with them as well. After they explaining to me the amount on the second account that I have with them. They proceeded to ask me how I wanted to take care of the accounts. I then explained to them that I wanted to pay {$470.00} and pay off one of the accounts. I also explained with pain that I would like to have a paid in full for that account I was paying towards. They then told me that they couldnt give me a paid in full receipt until I paid the second account as well. I feel since theyre two separate accounts they shouldnt fall under the same account and I should be able to get a receipt for two different accounts. One of the accounts that they were also wanted to collect on I have disputed it with XXXX XXXX and XXXX and has been taken off my credit report so I dont feel I have to pay that to them since it has been disputed. So my concern is paying them {$470.00} so I can get a paid in full receipt for that account. That one account is holding me back from getting an apartment of my own so I can have somewhere to live. If I could get some kind of resolution I would greatly appreciate 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 2017-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Idenity theft XXXX XXXX XXXX/XXXX/XXXX Amount 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 2022-01-11
Company: Merchants Financial Guardian, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
At the time if residency there where two young mgmt who where fired because if XXXX XXXX now when we moved out we left the complex clean no damages and we included out deposit to settle the months rent that was owed I had no knowledge of these charges or what their from I continue to ask them to verify proof of these charges but they still have failed Todo so these are unauthorized charges I have been trying to have removed from my account it also says it's a payment from XXXX of XXXX which is also false because it also says from XX/XX/XXXX these are falsely reported and I want it corrected this has affected me tremendously I haven't been able to get an apartment for my family because of this impact to my name we have been XXXX in a motel for two years now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I sent a letter dated XXXX XXXX, 2017 to Capital One ( the company I have my credit card with that processed the charge being disputed ) explaining that I purchased facial cream under a trial period, and notifed the company within the trial period that the product did not work. This call to the merchant was to make sure I was not charged with the purchase. If I did not make this call, I was to be charged {$89.00} for the sample product and every 30 days a new shipment would be sent to me. Capital One took my complaint but had me go back and forth with the merchant multiple times trying to resolve the dispute, which I had done before contacting Capital One. After many calls, Capital One said they needed the cancellation number that the merchant provided me with when I called to cancel the product. Of course, the merchant knew the game and told me they do n't provide cancellaltion numbers. I even told Capital One that the merchant 's number says they tape the calls and I suggest that Capital One insist on hearing my calls to them. They refused. To make a long story short, Capital One refused to reverse the charge, saying I first needed to provide them with a cancellation # before they could reverse the charge. Capital One made the entire complaint about the cancellaltion, rather than about receiving a product that was a total fraud. I sent Capital One ( along with my letter of information ) 9 pages from different consumer organizations saying how the product and the merchant with frauds, the product did n't work and they were charging account, not crediting accounts back that had complaints, and illegally charging multiple times without consumer 's approval. Capital One chose to ignore all this information and refused to reverse charges, saying I could n't provide them with a cancellaltion #. This is the only dispute I 've had with any purchases from Capital One for a very, very long time and I 've been a customer of theirs for many, many years, which makes it more difficult to understand why they would be so difficult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXXXXXX, Attorney General and FTC

Company response to consumer: Closed with explanation