BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-04
Company: Peer Advisors, LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX. I am a widowed senior citizen of XXXX years old. I am currently in a reverse mortgage with Celink Mortgage, XXXX. XXXX XXXX, XXXX, TX XXXX. Telephone number : ( XXXX ) XXXX. The reverse mortgage loan number is XXXX. My husband died in XXXX due to XXXX. I live with my son and he too has XXXX and is XXXX. Between the both of us living on a fixed government check once a month it is getting nearly impossible to continue making the home insurance payments to the XXXX XXXX XXXX company, address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone : ( XXXX ) XXXX. Now on XX/XX/XXXX they want a down payment of {$2100.00}. I tried getting another insurance company but when my local insurance agent sent an inspector this week and did a 4 point inspection the report showed that this house needed too many repairs, i.e., roof tiles and electrical issues. Hence, my son and I don't have the money to repair the house for another insurance company to take over. The roof is especially critical with 50 % of the tiles needing repair. I don't know who to turn to. I don't want to loose my house and I am afraid to let the reverse mortgage lender know for fear of foreclosure. Please advise me! Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My name is XXXX XXXX, XXXX XXXX, XXXX XXXX, Transunion is reporting two medical accounts in my credit report, Transunion is violating the new laws that say medical accounts must wait 6 months before they can be placed into the report, both accounts are from 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 2018-01-26
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my credit card balance in full on XXXX XXXX, 2017. On XXXX XXXX a {$5.00} fee was assessed to my XXXX balance account. I did not receive notification of this fee as Citigroup/XXXX do not have my correct address or email on-file. I was then reported as being 60 days delinquent. Upon realization of this, I immediately paid the amount due. I called the XXXX credit card company and was told that once the payment hit the account I could call back and the reporting would likely be removed from my credit reports. Once the payment hit I did call back, and was read what appeared to be a legal recitation stating the reporting would not be removed. I believe the credit card company charged the fee in an unfair and deceptive manner so as to generate fee income.

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 2019-01-02
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a house using my VA loan FLAGSTAR BANK last XX/XX/XXXX. when i closed i was told my insurance and taxes were included in my payments.of {$990.00}. 
In XX/XX/XXXXI recieved a letter from my insurance company to say that i never qualified for wind mididgation at closing last year, and that my insurnace had gone up from {$1000.00} to {$2000.00} Then my morgage company told me that becase they did my assesed taxes on the prior owner my taxes have trippled causing my morgage to go up by {$600.00} a month. 
I am a single woman vetran that has just been taken advantage off as I would never have purchased a house that a year later my payment would go up {$600.00} a month which i can not afford.I WILL NOT BE ABLE TO PAY THIS AND WILL LOOSE MY HOME. 
I feel the morgage company was very dishonest.

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 2021-08-14
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX submitted a fraudulent charge to a apple MasterCard from Goldman. Goldman was to apply a credit during the dispute but never did so. Now my credit score has been affected by this charge and it is further affecting my ability to get loans for a business. 

XXXX must make amends for posting a fraudulent charge. They have since posted a credit but Goldman 's is holding it in their backend system because YOU give them the right to hold it for five days. 

Goldman 's must apply a true credit to my account while the credit from uhaul is gathering interest in one of their accounts. Lol. I wish this were funny but this is an example of how federal regulations hurt the consumer. If credits were to be posted immediately this would not be an issue. The dispute process on the Apple Card is broken and their interface to communicate what they are doing is inadequate. Chat is great for catching up with friends but does not work for banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt twice and this company fails to provide me with proof in writing that this debt belongs to me. I have not had a contract with XXXX, who is the original creditor, since 2008. I have a right to obtain tangible proof which I have not received and this is really hurting my credit.

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 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello I was on my XXXX  XXXX  today XX/XX/XXXX noticed there was some fraud and unauthorized things on my credit report I need fixed. First off on my transunion I never applied for a XXXX  XXXX card on on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX i did not give any authorization for any of these companies to look at my credit so this was done without my consent. 

Now as for XXXX  I have more fraud and unauthorized things I want off my credit file. XX/XX/XXXX I am getting hit with 2 hard pulls i never authorized. Also on XX/XX/XXXX I am being hit with 2 hard pulls I never applied or have any knowledge of. 

I just want all credit reporters to be aware and fix this problem thank you guys.

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 2020-02-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Grandmother passed away XX/XX/XXXX with no will. She had XXXX adult children who are the heirs. I live in her home and my mother, ( Heir 1 ) paid mortgage until XX/XX/XXXX, She had notified Ocwen of her passing. My mother moved out and I didn't learn the mortgage wasn't being paid until XX/XX/XXXXor XX/XX/XXXX. I received default notices and the amount to pay to bring loan current. So I called Ocwen to make sure of the exact amount due to bring loan current and up to date and pay them over the phone. They refused to speak with me and told me they would not accept payment because I wasn't on the loan account. They also refused to speak with both heirs also. I again tried paying in XX/XX/XXXX and they refused. Then XX/XX/XXXX I received summons for foreclosure. The heirs wrote the mortgage company stating they didn't have interest in home and they wanted me to assume mortgage or continue to pay. I was living in home. I hired an attorney and he wasn't communicating with me so I hired another one in XX/XX/XXXX and he filed answer to Summary Judgement hearing. Ocwen won because the lawyer didn't give me a defense in his answer per the judge. But the evidence they presented as Exhibits B and C were documents that didn't belong to my Grandmother. They had incorrect name, loan number, interest rate, principal balance, and much more. The payment history was so inaccurate, and was printed so small you needed a magnifying glass to see it. Everything was fraudulent. And they had lawyers and people swearing to reviewing these documents that belonged to a man in XXXX not to my Grandmother. This was their evidence submitted to the courts to win with. They also had lawyers fees for {$3100.00} for his time spent and documentation presented. They had foreclosure fees and costs separately multiple times a day with exterior inspections, property inspections, property valuation expense, title search, and they were listed twice on documents I received. They scheduled the foreclosure Auction for XX/XX/XXXX it was cancelled. Again on XX/XX/XXXX changed to XX/XX/XXXX and was cancelled. Now ive received a letter dated XX/XX/XXXX requesting to reschedule the foreclosure sale again because a successor in interest did not come forward. My aunt ( Heir 2 ) was trying to sell property before it was foreclosed and got involved with some shady real estate investor/broker and lawyer. So im confused as to what is actually going on with property because PHH has taken over for Ocwen and its a big fraudulent mess. The house has a lot of equity in it. More equity than what is owed on loan. Ocwen has violated many servicing laws and wrongfully foreclosed on my Grandmothers estate with fraudulent paperwork, forged documents, and incomplete and inaccurate payment history. Everything needs to be investigated from the start of the loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A laptop was purchased from Conns and returned within 60 days within the box and not used. I was told by Conns that the Laptop would be sold and I would be billed for the remaining price on laptop once sold. In stade, I received a bill for the entire amount with finance charges of over {$3500.00} dollars. I made an offer to pay off bill of {$700.00} Dollars since the labtop total price was only {$1500.00} Dollars. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First the " What best describes your problem '' options had nothing remotely close to my situation. I picked one, but it really doesn't come close at all. 

I have two debts in collections with MCM ( Midland Credit Management ). I received a call in XX/XX/2019 from " XXXX '' who wanted to set up a repayment plan. During that phone call, on several occasions, he mentioned that as long as I made payments, they'd report to the credit bureaus that I was making payments ... something that I know is seen as a positive on my credit score. I made a payment arrangement on each of the two accounts, one I was told would pay off the account when the agreement was complete, the other wouldn't. I started making payments as of that day, and have kept up with the agreement every month since. 

I check my credit score regularly, as I am trying to repair several issues, and over the last several months was surprised to see that there was no change to my score and no change in the reported status of these two accounts. So, a week or two ago I called MCM to find out when they'd start the reporting they'd promised. I was informed ( by someone else, I don't know who ) at that point that they do not have any plans to report anything about the debt at all until it is paid in full. It will continue to show as being in open collections until that point. This is absolutely NOT what we had discussed and I am very frustrated by the situation. 

I called again today to be sure I fully understood the situation and was once again told basically, " I'm sorry, I don't know what you were told initially, but we will not be reporting anything except the account being in open collections until the account is paid in full. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2019 money was sent to me by my daughter via PayPal for a payment back of a personal loan. The dollar amount was {$1500.00}. I received notice from Pay Pal that such money was received. I went to PayPal site and requested the money be sent to my bank. A message was sent, similar to my daughters that the money would be available within a day. See message from Pay Pal ( email available ), language below. 
We're transferring money to your bank You asked us to transfer {$1500.00} USD to your bank account, and we're processing this transaction now. 

Estimated arrival : 1 business day Transfers made after XXXX XXXX ET or on weekends or holidays take longer. All transfers are subject to review and could be delayed or stopped if we identify an issue. 

Transfer details Transaction ID : XXXX XX/XX/2019 Total amount transferred {$1500.00} XXXX XXXX account XXXX XXXX XXXX, XXXX, XXXX ____ I checked on the XX/XX/XXXX and again today the XX/XX/XXXX and no deposit had been made. I then contacted PayPal through customer service Chat. The agent told me that it would be another 3-5 days based on unknown factors. He acknowledged the email clearly stated the one day transfer email which I provided him.

Clearly PayPal is using the consumer money, holding it for time frames to obtain interest earnings on the funds in whatever account they are using at the expense of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Ovation Financial Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/2019 intervening plantiffs original petition Ovation Services LLC letter mailed from XXXX XXXX XXXX written letter sent to myself and sent to the district court XXXX judicial district XXXX county texas to honorable judge of said court. Ovation Services and XXXX, XXXX, XXXX, XXXX & XXXX, XXXX attorneys at law are threatening to foreclose on my property for past due taxes paid by Ovation Services LLC. 
my financial situation is considered as underemployed and hardship letter has been faxed to XXXX XXXX XXXX, XXXX district court XXXX county texas, and my mortgage company XXXX XXXX  and finance to explain my underemployment, hardship, and options available for me to modify my loans or provide forbearance or loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 went through a company called XXXX XXXX XXXX and I noticed on a Capital One account document it had my wife name on the document that I have sent to you XXXX. Please contact Capital One and have them remove it for once and for all. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
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: Their investigation did not fix an error on your report

Complaint:
XXXXXXXXwasmaileddisputesregardingmycreditreportfortwomonthsworthoflatepaymentsreportedfromXXXXandXXXXofXXXXcausingmetohave6(six)latepaymentsshowonmycredit.Aftermorethan6monthsitwasfinallyresolvedandXXXXXXXXsentcorrespondencetomeandalsoherethattheissuewillbecorrectedandtheupdatewillreflectonmycreditreportswithin60daysfromXX/XX/XXXXwhichitwas.
However,XXXXXXXXcamebackhereonCFPBinXXXXandstatedthatagaintherewasanothererrorandthecorrectiontoremovethelatepaymentsfromXXXXandXX/XX/XXXXwasalsoremovedinerrorandthatthelatepaymentsshouldremainonmycreditreports.
MyissuewithXXXXXXXXisthattheyarenotresolvinganissuethattheycreated.Ihavesentseveraldisputestothiscompanyandhavenotreceivedanyformofresolutionthishastakenatollonmementally,physically,andemotionallytohavetoendurepainandsufferingallbecauseoftheirmistakes.Nooneatthiscompanyhastakenaccountabilitytoresolvemyissue,pleaseassistandIwanttheselatepaymentstoberemovedonceagainfromallthree(3)ofmycreditreportsimmediately.

Fortheircompanytoagreetoupdatethisinformationthenlatergobackandaddittomyreportisdestructivetomycreditworthinessandillegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
When called from contact number XXXX asked to take information down. I asked the caller by the name of XXXX to provide me the company name and she refused. She stated she can only disclose the nature of the call to the debtor advised that I am requesting the company name and still refused 4 separate occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I currently have three separate loans with XXXX that are in the re-payment period for which I am struggling to view my payment history. My father currently is the primary borrower on the account, however I am allowed to make payments. XXXX has told me ( via their customer service line ) that they can only email me a copy of my payment history within 3-5 business days, or mail me a copy within 7-10 business days. I want to view my payment history to plan out my re-payment time and also re-calculate the accrued interest on the account. The fact that I am allowed to make my payments but not see my payment history is very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account 2 weeks ago. I have been a member of USAA for 12 years, prior. A few days later, I transferred over my savings from an external bank account that I was closing out ( because I am moving to another city and they don't have regional branches ). My account was frozen after the deposit, and put " under review ''. A week later they unfroze my account, but will not let me withdraw my money or use my debit card. They have disabled the debit card they sent me. They will not send me a new one. 

Nobody I talk to in customer service can help me. Nobody knows why my account keeps getting frozen. I talked to an Executive Member Resolution team member, and she hanged up on me. She claimed to be a supervisor, but had no access to fix my account. 

USAA has frozen my account again! This is the second time in 2 weeks. USAA is now my only bank account. All of my money is in their checking account. 

I have not eaten in 2 days. I am afraid I will die due to lack of food. I have called their bank multiple times. The lower tier agents just tell me that the account is " under review '' and are unable to help. It has been under review for weeks. 

I am a XXXX veteran at risk of dying due to lack of food. I have not eaten in 2 days. I am afraid they will take my next payroll deposit, but not give me access to the funds. I am scared for my life. I can not change the payroll deposit because it's to late to reroute the money. I don't want to die.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit was effected by capital one bank on Friday XX/XX/2019 around XXXX. This credit run was not authorized by me. As soon as I received notifications to my phone that my credit was ran from capital one bank, I immediately contacted capital one bank to get further information about why my credit was ran without my authorization. I was told that they do not have any information as to an application being submitted with my information. Two days later I received a document in the mail from capital one bank requesting more information to get an approval response for a line a credit that again I did not authorized. I attempted again to reach out to capital one bank, and this time I had an application number from the letter I received. I was directed to contact the credit bureau that was effected to see if I can get this dispute resolved, which referred me to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never had a credit card so that's why I never had a credit report. I opened my first credit card four months ago and when my credit score became available, I found out that there's a medical bill collection on my credit report. I never received any notice or bill.

Company response to consumer: Closed with explanation