BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification with OCWEN over a year ago and was granted a loan modification. And then they sent me something in the mail indicating that it was a trail period and the payments would be {$1400.00} before that the payments were only a {$1000.00} and I completed the trail process and for the third time they had some loan monitor from XXXX tell me that I did not complete my paperwork. This continues to be OCWEN 's answer when asking where is my documents to finalize the loan modification. I had to file Bankruptcy against my better wishes just to save my home. I completed the repayment plan and OCWEN received monies for back payments monthly. When I called on XXXX XXXX, XXXX to discuss the process for receiving monthly statements I was informed that I was not entitle to a change of address : ( from my XXXX XXXX to my Home ) address. OCWEN after eight months or more finally produce some loan modification forms that they forward to an attorney that is not my attorney : XXXX XXXX XXXX. I continue to await for the loan modification forms and monthly statements. I want to keep my home and I want to make the monthly payments at {$1400.00}. On XXXX XXXX, XXXX I received two calls from OCWEN and they stated that they were debt collectors. It was so hard to understand when they were saying due too their strong accent. For many of years this has been an ongoing problem with OCWEN they give you false hope on trying to help their customers. I have been a victim and it appears that they continue to hold me hostage with their illegal mortgage practices. I have also followed up and contacted Congresswoman XXXX XXXX and XXXX XXXX for additional assistance in getting this right. OCWEN has poor lending and mortgage practices.

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 2017-11-09
Company: Freedom Mortgage Company
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage paid my house insurance premium of {$750.00} out of the account for my four-plex mortgage. The statement that I can download online shows that the {$750.00} was deducted and then credited, but there is no actual balance that reflects this. The escrow account disclosure statement that was mailed to me XXXX attached ) shows that the {$750.00} was deducted, but not credited. The accompanying balance on this statement reflects the {$750.00} deduction, but as mentioned, there was no credit back to this balance. 
I asked for documentation that shows a balance to clarify this. Freedom Mortgage has sent a statement with the deduction and credit of the {$750.00}, but were hiding the balances. I responded within their email system asking for documentation of the credit with the corresponding balance. They responded that I did not have authorization for such information. 

After multiple phone calls and emails, representatives are unable to answer what has happened with my account and they refuse to give me the information that I am requesting ( i.e. the debit and credit of the {$750.00} with the accompanying balances XXXX. They are definitely trying to hide something.

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 2018-01-13
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was suddenly XXXX in the summer of XXXX resulting in the sudden loss of my home where my bills for my student loans were sent. As soon as I was able to contact family I was able to get my loan back to current and have not missed a payment since. This negative hit from being unable to pay is currently the only missed payment on my credit report and is greatly effecting my score and therefor my ability to get a decent rate on a mortgage. The missed payment is detailed as XXXX XXXX through Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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: Information belongs to someone else

Complaint:
When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My credit report is being used improperly

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 2018-01-13
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: Their investigation did not fix an error on your report

Complaint:
I do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, XXXX XXXX did not remove these accounts! Congress clearly states in XXXX XXXX XXXX XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

XXXX XXXX XXXX Status makes no sense, delete this immediately : Experian and XXXX : closed/XXXX : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that Experian and XXXX report a monthly payment of {$0.00} while XXXX reports {$1000.00}! 

XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX $ XXXX {$19000.00} XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX $ XXXX {$68000.00} XXXX due : Experian and XXXX $ XXXX {$0.00}

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 2019-08-05
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/2019 I requested Experian to investigate the XXXX XXXX XXXX account ( account number : XXXX ) that is reporting as a collection on my credit report. According to my recent credit report from Experian, the account was last updated XX/XX/2019. Meaning that Experian had never investigated the account when I requested the investigation. This is a violation of the FCRA.

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 2022-03-04
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX XXXX reported a late or delinquent account on my credit report. 
The alert was reported by JPMCB Card Services. I do not have a JPMCB account and never did. This is not my account. Please correct this as this lowered my excellent credit score XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
****** CFPB - DO NOT CLOSE AS A DUPLICATE REQUEST ***** ***** CFPB - I CALLED XXXX ON XX/XX/22 @ XXXX ***** THIS COMPANY HAS NOT RESPONDED TO MY REQUESTS. 

This is a reply to complaint XXXX. I have already paid this bill. I have provided a copy of my credit card statement showing that I paid the doctor on the exact day of service that Credit Systems Inc is showing. What else can I provide? How to I further dispute this? What is Credit Systems Inc 's registered agent so I can file in small claims to get my money back?

****** CFPB - DO NOT CLOSE AS A DUPLICATE REQUEST *****

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed with a lot of money by XXXX XXXX guys. 
I've already reported everywhere, including XXXX, The fraud department XXXX XXXX, The fraud department of the US embassy in XXXX, and more. 
Long story short, I reported the fraud to my bank so started investigating, however, only the US bank didn't respond anything although my bank, XXXX, has contacted them several times. After all, XXXX closed the case and advised me to sue the US bank. 

The lady who is holding my money has an account in the US bank and of course, her account is locked because I reported her. 
I heard that she is trying to return my money back but she can't do anything with her account now. 
So, I went to the US bank a few days ago to ask if there is any way to release her account, but the US bank said I should report her to the police for more investigation. 
I just filed to the Federal Trade Commission fraud department and the website recommended filing to you here if I'm not satisfied with the bank 's service. 

I will go to the local police station to file her.

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 2019-06-20
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I told them i was in a agreement with XXXX and i tried to make a small settlement they could and wouldn't work with me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Most recently, on XXXX I received a voice message to call XXXX at XXXX XXXX XXXX XXXX. She has called me before asking me to pay a medical collection. The collection has been disputed with all three credit reporting agencies and I have received a confirmation from XXXX XXXXhat is will be deleted. The collection is not accurate. I called XXXX back today XXXX at XXXX pm MST. I asked her to stop calling my phone number and confirmed my number with her. She stated they are not bound by any do not call regulations and that she would continue to call. I asked her for her name and the company she represents. She stated XXXX XXXX with the company name as Thunderbird Collection Service and address of XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. The collection that was placed on my XXXX, disputed, and deleted was from this company. I asked her how she could say she is not bound by the FCRA or do not call when 'collection agency ' is in the name of her business. She again stated my number would not be removed and I would continue to be contacted. I advised her I would file a complaint with the CFPB. I appreciate your assistance in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: UT
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 havesent multiple ketters to credit bureaus in response to innacurrate information on my report. They claim to have " VERIFIED '' account that has not actually been verified. If they had they would see that it is not accurate. XXXX has already deleted because its innacuarte and Im pleading with the other bureau to do the same and plesse delete this information. Account XXXX XXXX XXXX Its ruining my credit and I can't buy a house due this this. Please delete immediatly. I'm sending a picture to verify this information is innacurate so delete please

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 2022-03-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 
This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I assumed the mortgage account # XXXX with Ditech on XXXX XXXX, XXXX. The first payment was due on XXXX XXXX, XXXX. The underwriter suggested that I should wait few days, since the date due is too close to the closing date. I called to make the payment on XXXX XXXX. The representative told me that the payment of {$14000.00} plus was due on XXXX XXXX, and there is no other information available. He suggested to wait till XXXX XXXX. I did, and was told I was mistaken, and the payment was due on XXXX XXXX in the amount exceeding {$14000.00}. They could not find any assumption papers, and suggested to monitor account electronically. I did, and to this day nothing had changed. Even when I specifically pointed Ditech XXXX XXXX XXXX, XXXX # XXXX to page XXXX of XXXX, paragraph XXXX, Assumptions of original Terms, she said that she is looking at the page and sees XXXX XXXX, and accused me of lying. I never received the signed copy of the agreement from Ditech, as required by law, it was n't registered XXXX XXXX of XXXX as far as I could find out, and Transunion has no knowledge of mortgage in my name. However, I have the copy of the papers I signed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX we receive a promotional offer from Barclay 's to open an account with them with 0 % interest rate for 15 months billing cycle, all purchases including balance transfers. When I check the statement this month, I notice an interest rate was applied to the account. I called Barclay 's and spoke with XXXX ( who is rude and hang up on me ) when I questioned the interest rate. then I called again and spoke with supposedly the supervisor of XXXX, Her name is XXXX, she said that what we signed up is 0 % balance transfer only and not 0 % interest for purchases. I said this is not what we signed for a 22 % interest rate. This is a case of bait and switch tactic by Barclays and false advertising. XXXX indicated Barclay will not honor the 0 % interest for purchases for 15 months. This is not what we originally signed up for. We opened the account based on the premise that 0 % interest rate on purchases for 15 months, not what Barclay is claiming

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 2019-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2019, we notified USAA about an unauthorized deposit into our account We were told they would lock our acounts and investigate the situation. Somehow the hackers were still able to take the money out after being locked ( what usaa said ). We called them several times for a status. On XX/XX/2019, they unlocked our accounts. We noticed we were charged for the fraudulent charges. The fraud department said that my phone was hacked by terrorists and the money was sent to an offshore account. But they faulted us for it. We've been banking with this company for 15 years. Where was our protection? Why are we being charged for something we had nothing to do with it. They told us had we not had over draft protection on our credit card/accounts, they would've closed our accounts, froze our assets and reported us as frauds. That is not ok. I dont need your workers telling us that we were lucky that it was a small amount. No matter the amount, it shouldn't have happened to us. Did you check the signatures? The origin of the deposit or withdraw? You were supposed to protect us!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This information has been reported on my account unlawfully I have reported to this company that this information was wrong on my account, and I provided all required documents to provide them with proof and they still would not remove the item from my credit profile. This situation has caused hardship for my life.

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 2019-04-20
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
LACING MY REPORT WITH FALS ENTRIES>illegal-FCRAXXXX 1. On XX/XX/XXXX, I received my Lexis Nexis C.L.U.E . Report for my car insurance. I am doing a re-rate next month with XXXXXXXX XXXX  XXXX XXXX. I do not have home insurance. 
On XX/XX/XXXX, I called Lexis Nexis twice-to dispute the items on my Reported Claim History For RISK. Attached, is the item on page 1, in the middle of the page. ( car insurance ) On XX/XX/XXXX, M XXXXXXXX XXXX XXXX XXXX XXXX ( fire and casualty ) for cause of loss XXXXamount paid {$3800.00} at the address of XXXX XXXX XXXX XXXX XXXX XXXX ( wrong address ), XXXX, AZ XXXX. False information-DELETE! -FCRA I disputed this- for my personal address is XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX . It is a mailbox at XXXX. 
There is no space for wind damage in my tiny mailbox for {$3800.00} as I informed Lexis Nexis. 

2. On page one, I disputed- at the top, " RECAP '' Risk 1 Claim Reported. Delete at once! Not mine. FCRA 3. On page 2, Lexis Nexis and XXXX   have NOT updated my payment information on Lexis Nexis report. FCRA XXXX XXXX ( last  activity-9/2018 ) I pay every month on time and its XX/XX/XXXX. That's 7 months of unrecorded monthly payments. FCRA XXXX XXXX ( last activity10/2018 ). I pay every month on time and its XX/XX/XXXX. That's 6 months of unrecorded monthly payments. FCRA 3. On page 3, Lexis Nexis must remove " revolving accounts past due {$2900.00} ''. Remove entire entry for it is not mine and false information. FCRA Remove 18 entries for inquires on the same day- XX/XX/XXXX Remove 2 entries for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. 
LACING MY C.L.U.E . and CREDIT REPORTS WITH FALSE ENTRIES -- VIOLATIONS-FCRA.

Company response to consumer: Closed with explanation