BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage is in charge to collect my monthly payments for my house, i just find out that on XXXX/2020 my regular payments went up {$87.00} cents. on XXXX XXXX/20 they received my regular payment of {$1600.00} so I was short {$87.00}, My Daughter was helping me out sending bill payments online due to my heath, i was XXXX XXXX XXXX  of XXXX for a few weeks and could not check my mail. when i start open all my mail i found an intimidation letter fro PHH MORTGAGE dated XXXX XXXX/20 stating that i was in default due to missing payments, i download from my Bank all payments send from the last 5 month, because of the {$87.00} short on XXXX they being reporting me missing payments and also trashing my credit for past 3 month or more.with the three credit bureau companies. PHH is using this kind of tactical intimidation for customer like me loosing the house, i check the history of this company having class action lawsuits for being a predator organization, charging hiding fees. etc i would like this company to be investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for Citi double cash credit card on XX/XX/18. Received letter dated XX/XX/18 on XX/XX/18 stating " We reviewed your application and can't approve it because we couldn't verify the accuracy of some of the information you provided. '' Called Citi on XX/XX/18 and spoke with representative who told me that they could not give me any further information about what information I provided that was unverifiable. Spoke to supervisor who told me that there was no person who could look into the system and tell me what information was not verified for accuracy. Was not afforded an opportunity to check the information I provided to see if I made a mistake or verify it was correct and look into why their application process failed to verify. Was left with no recourse to correct information so that my application could be reviewed and considered on its merits.

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 2021-07-03
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was misled by a XXXX XXXX rep that if I did a wire transfer from my XXXX XXXX account online profile to my cash app checking account that I would receive my funds instantly. However after submitting my wire transfer of {$250.00} from XXXX XXXX Unemployment Prepaid Checking account to my cash app account on Thursday XX/XX/2021, my funds are still not available to me on cash app account on Friday XX/XX/2021. 

Also I have a refund for The XXXX XXXXXXXX XXXX XXXX for a hotel reservation that I booked and canceled on Tuesday XX/XX/2021 in the amount of {$120.00} that was suppose to have been refunded to My XXXX XXXX Unemployment prepaid card has not been issued. I spoke with XXXXXXXX XXXX numerous times they have informed me that this hold along with 2 others will not released or added back to my account until a month for now. 

XXXX XXXX refuses to help me cancel the wire transfer of {$250.00} dispise the fact that I was misinformed hot to obtain my money instantly by one of there employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Earlier this year, I applied for and received a homestead exemption from the State of Florida under Fla. Stat. 196.031 to .171. The exemption reduced the taxable value of my home by {$50000.00}, resulting in a reduction in property tax on my home of about {$320.00} per year. 

I forwarded a letter from my local tax office which reflects the new exemption and estimates my XXXX tax liability to Freedom Mortgage, my mortgage servicer. I requested that the company recalculate my escrow and refund me the estimated overage. 

Roughly six weeks passed without any acknowledgement or answer, so I called to inquire about the status my escrow analysis request. 

Freedom Mortgage is refusing to honor the letter, and instead insisting on using the XXXX tax bill to estimate my XXXX taxes, despite the letter from the tax authority stating that my XXXX taxes will be approximately {$320.00} less than XXXX. 

12 C.F.R. 1024.17 ( c ) ( 7 ) states in pertinent part : " If the servicer knows the charge for an escrow item in the next computation year, then the servicer shall use that amount in estimating disbursement amounts. '' I believe that Freedom Mortgage is intentionally over estimating my escrow and violating 12 C.F.R. 1024.17 ( c ) ( 7 ).

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 2017-11-24
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I requested an extension on my car loan with Santander USA. Per my phone conversation with Santander I was approved for the extension and they informed me it would NOT report negatively to Credit Reporting agencies during this timeframe, but it was reported negatively from XX/XX/XXXX-XX/XX/XXXX. Santander USA refused to update the CRA 's and provide me with an itemize statement of charges and fees from XX/XX/XXXX-XX/XX/XXXX. 

The remaining car loan balance of {$12000.00} reporting to all 3 CRA is incorrect. The remaining balance should be around {$8700.00} In XX/XX/XXXX, I previously setup payment arrangements in XX/XX/XXXX due to being involved in bad car accident I was unable to pay. I called Santander and a  representative advised me 3 months of car payments would be pushed to the end of my loan, but it was NOT my car was repossessed 3 days before the due date Santanders representative provided me with. 

I have called several times and mailed two Goodwill letters to get these past due delinquencies ( XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX- XX/XX/XXXX ) updated with Santander and removed from all 3 credit reporting agenices as they they were reported as past due in error.
I have attached the extension letter from XX/XX/XXXX extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 XXXX received a letter requesting the " Method of Verification '' as I suspected that they utilized an electronic method known e-Oscar to verify the debt they say I owe. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Transunion received the same letter/request on XX/XX/2021. XXXX received the same letter/request on XX/XX/2021. The Method of Verification has not been received by listed companies. The ( 15 ) day period has been exceeded.

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 2019-05-01
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There requesting {$510.00} beginning XX/XX/XXXX. Name of company SOUTHWEST CREDIT SYSTEMS, L.P. My social security number obviously has been compromised because a company is coming up on my credit report about a XXXX account that I don't owned and I haven't never owned residing at the address I have been residing in since XXXX. I'm not sure where this new profound account is coming from all of a sudden claiming it was since XX/XX/XXXX. This is the second pop up account appearing on my credit report and it isn't mine. I already have fraud alert and anything I can get to freeze my credit because of someone using my social security number. This has been happening for the last fifteen years. I have been fighting about my social security number and someone having my information. Clearly these people are not speaking on anything I have had because I have proof the last internet service I had was XXXX. I don't own internet since XX/XX/XXXX with XXXX canceling my account and not having any issues but, what they have previously corrected on there end. So this is definitely a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Ok on XX/XX/ I received a auto message from Bank of America saying I had a balance inquery on my acct followed by a fraudulent withdraw of {$580.00} out of my acct. I live in XXXX XXXX CA and the withdraw says it took place in XXXX XXXX. I called BofA to close my acct and opened a claim that next morning ( employee # who helped XXXX ) only to receive a letter on XX/XX/XXXX saying my claim has already been closed. Which is telling me they didnt even investigate my claim. I just want someone to actually assist me with this fraud

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 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I AM SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF. NO THIRD PARTY OR OTHER PERSON IS INVOLVED. 
I recently made a complaint regarding information or items listed on my credit reports that I did not authorize consent nor benefit from. I then asked you to block and remove thos items. 
The case was closed because you responded that it appeared someone other than myself submitted the complaints. 
I AM RESUBMITTING MY COMPLAINT ON MY OWN BEHALF in hopes that it will actually be looked into this time.

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 2018-03-19
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account showing up on my credit report and I have no kn0wledge of account or any business dealings with this company. 

They say loan taken out XX/XX/2017 for {$5000.00} and was to be paid from XXXX XXXX checking account XXXX routing number XXXX. Nether exist.

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 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND I FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE

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 2019-09-20
Company: DISCOVER BANK
State: AL
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 is refusing to dispute/delete fraudulent information from my credit report even though I have told them I did NOT make these inquiries. I have spoken to each of the inquirers and they have stated they would inform XXXX to delete the inquiries but they still have not done so. 

The inquiries are Discover Bank : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Discover Bank XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Jim Bottin Enterprises, Inc
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been receiving phone calls from a collection company Number ( XXXX XXXX XXXX They said they are representing a company name XXXX XXXX. I contested the debt and demanded verification. They did not provide any instead gave me another telephone number. I called the number they gave me XXXX XXXX XXXX they did not provide verification they did not identify themselves they wanted me to provide them with my personal information. 

I have never done business with such company. I do not owe any money to this company and they keep calling me in a regular basis requesting payment without verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
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: Account status incorrect

Complaint:
I've contacted XXXX XXXX servicing regarding incorrect information in in XXXX, XXXX, XXXX, XXXX, XXXX, many times in XXXX, XXXX, and more recently on XX/XX/XXXX. I've sent receipts detailing the mortgage pay-off ( {$180000.00} ) and yet they are still reporting that I owe money in the sum of {$3300.00}. This is inaccurate and I have also provided the receipt to Equifax along with other legal artifacts demonstrating exceedingly beyond a reasonable doubt that the debt has be satisfactorily met and that any reports depicting the contrary are fraudulent claims. 
My concerns have been elevated to the highest level of government in the state yet these issues persist. These are deliberate attempts damage my credit worthiness and are illegal practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see the attached letter I received in the mail Friday XX/XX/XXXX. This letter was sent by dynamic recovery solutions on behalf of national credit adjusters. In the letter it says that I owe original creditor XXXX XXXX. But on a previous claim I filed with the cfpb national credit adjusters responded that I owe money allegedly to Rise. National credit adjusters did not confirm that I owe the money to the original creditor allegedly called XXXX XXXX. Now I have this letter from dynamic recovery solutions telling me that I owe the money in the letter itself please see that it stated national credit adjusters will not report this to any credit reporting agency. But I checked my credit report in this debt alleged debt that I owe is on my credit report why am I being collected on a debt that I do not owe secondly I do not have any or have received any notice of proof that I owe this money to the original creditor called XXXX XXXX. More importantly this communication dated XX/XX/2021 from dynamic recovery solutions clearly states the because of the age of your debt national credit adjusters will not sue you for it and national credit adjusters will not report it to any credit reporting agency. Why is this debt this alleged debt on my credit report then? Please remove this debt from a credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
while going through old papers which belonged to my XXXX husband, I found 2 CD certificates from XXXX XXXX XXXX in XXXX, now defunct. I researched and found that bank became LaSalle Bank and later Bank of America. I went to Bank of America, but the account numbers were not in their records. I was given no further advise I have the original Certificates with Customer names and account number and date of issue and date of maturity.

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 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 filed on XX/XX/XXXX both by phone and filed on line with Transunion. Reporting that my loan with XXXX XXXX XXXX XXXX was incorrect. TranUnion has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was XXXX XXXX not reporting. 2nd excuse It takes Transunion 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of result.

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 2019-09-20
Company: F.H. Cann & Associates, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I agreed to a payment plan with FH Cann and Associates.  After my first 2 payments were charged, I had to get a replacement bank card, which has a new number. 

For 17 days ( XX/XX/XXXX until XX/XX/XXXX ) of trying to reach FH Cann in order to notify them of my new account and update my payment information, I was unable to reach anyone at the company. They do not respond to emails. Their phone numbers typically go unanswered. 

One of their two publicly posted phone numbers simply cycles its introductory message with the notice that they are a debt collector, over and over, and does not allow the caller to speak to a live person, leave a voicemail, enter an employee 's extension, nor " press buttons for more options. '' There was no way to reach anyone at FH Cann in order to update my payment method on time, so my automated charge did not go through on my payment date. 

On XX/XX/XXXX I was finally able to reach a person via phone and resolved the immediate issue. However I still want to register a complaint about this, because it is terrible that we can not reliably reach this company to update our payment information or make arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
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 have already submitted many complaints containing verification on my part of MY identity to Experian regarding the account I am referencing. And my previous complaint with the CFPB ( which yielded nothing ) against Experian was still NOT sufficient and Experian STILL has not performed a reasonable investigation regarding this company. How do I know?? Because the company is CLOSED due to the COVID-19 pandemic hence ; adding the comment on my credit affected by natural or declared disaster the company is located in NEW YORK. Which has been on strict closure orders for the last 2 months. 

Experian submitted a response to the last complaint with CFPB ( complaint ID XXXX XXXX dated submitted XX/XX/20 ) explaining that they have contacted XXXX XXXX XXXX to verify the information and received the information back from them verifying the account?? How did that work??? WHO VERIFIES THESE ACCOUNTS?? WHAT INFORMATION/DOCUMENTS IS EXPERIAN RECEIVING THAT IS PROVING THIS ACCOUNT IS VERIFIABLE?? And WHERE is MY documentation that I am legally entitled to verifying the VALIDITY of this account?? IE : A signed document containing MY wet signature?? THAT is the law and I have now requested this information FOUR times. And if this account is not verified in this way, I DEMAND that it be deleted according to the law! I will not hesitate to be litigious! 

Experian is breaking the law! What is the CFPB going to do about this?? What is the point of the CFPB if it is merely a MEDIATOR?? I started sending these requests and received my first response from Experian ( illegally ) and they did not provide me the proper documentation and claiming it has been verified a MONTH before the declared pandemic. 

The company I am referencing in my complaints with Experian is : XXXX XXXX XXXX ACCT # : 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