BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-23
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage was transferred from Ocwen, a very poor and customer unfriendly loan servicing organization, to PHH Mortgage Services in XX/XX/2019. I had been paying Ocwen via bank withdrawals from my account on the XXXX of each month. I received a notice, I think in XX/XX/XXXX, that our Ocwen account was being transferred to PHH and told that things would remain the same as with Ocwen. But in fact, the money that I had in my account for regular payment was not withdrawn, but just left there. So I mailed a check, for the first two months, the checks weren't cashed. When I called PHH they said that they would make withdrawals according to the Ocwen schedule, on XX/XX/XXXX. But they made the first one, maybe two, on XX/XX/XXXX. The funds were not there so they resulted in significant bank charges and of course PHH reported it as a late payment and assessed fees. I think it is straightened out now but with PHH one can never be sure. Like Ocwen, they live to assess fees and charges and do not communicate clearly. I have asked for a copy of my recent years ' payments and was told that they could provide nothing from Ocwen. It's as if Ocwen never existed. They will not provide online access to the Ocwen history, something that was always available when Ocwen was the servicer of record. What they have sent me is something that seems to be a record of my very recent history, printed in text so small that I can barely read it with double glasses. I need to purchase a magnifying glass to read these records which I waited two weeks for. In the meantime I have to deal with damage to my credit from their fallacious representation of our payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: IL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: ONEMAIN FINANCE CORPORATION
State: MD
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:
On XX/XX/2019 I sent a letter to Onemain financial to validate a charge off on my credit report. Tracking showed they have received my letter on XX/XX/2019 but have not responded to my request and 30 days have passed without marking my account as disputed. This shows how they are acting in bad faith. 

Therefore they have violated FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). 

Also by not providing copy of any viable evidence bearing my signature they are in violation of defamation and negligent enablement of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a letter in the mail from CHASE stating that I had applied for a business card account when in fact I did not. Letter was sent on XX/XX/2022. Did not contact company yet, but did report to XXXX about the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX Account number on Experian XXXX Account type Credit card. Date opened XXXX and said my account Discharged through Bankruptcy XXXX XXXX. My account was paid and at zero balance when I filed for bankruptcy. I filed for bankruptcy because I became homeless and was a victim of fraud not because of bad credit. I complained several times XXXX is reporting false information on my credit report and please remove it. I sent proof that XXXX was not part of the Bankruptcy Chapter XXXX because I had a zero balance. They refuse to remove it and the representative said to me " you XXXX people are always not trying to pay your bills ''.

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 2021-12-16
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello, Someone has opened a credit card using my identiy ; name, phone, mailing addres, SSN with Best Buy. There was a balance reported to my XXXX XXXX account of {$3600.00} on XX/XX/2021. I spoke with Best Buy and let them know that this was a fraudlent activity and that I did not open this account. I also received this the letter in the mail with the physical credit card asking me to activate the account on this exact date. I was told that the transactions was made in Massachusetts which is strange because I live in Georgia and never in my lifetime have I ever visted Massachusetts. I don't know if this would support my case of if it's relevant but I don't even shop at Best Buy nor will I ever because I've always had an opinion that their prices are so high when it comes to home appliances or electronics. 

There was another incident where either the same person or some one else used my identity to open an account with XXXX XXXXXXXX. The balance was {$1500.00} and this was reported on XX/XX/2021. I reported this to the credit card bureaus as a fradulent activity as well but haven't heard any updates. 

As a result, these activities have hurt my credit card score immensely and it hasn't been resolved yet. My credit card score was XXXX and has been knocked down to XXXX in a span of a week.

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 2021-12-16
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I have been sending tonnes emails contains below details but has been ignored & not resolved! 

XX/XX/2021 i have transferred my XXXX voyager token  from my Coinbase wallet to my Coinbase exchange account. But this time my token not transferred it has gone missing. I have reported to coinbase exchange. As return respond it was generic email that i was upset with most trusted platform with that response. Claiming token wasnt supported ( i have evidence that it was ) otherwise how could i be able to copy paste receiving token details & and do the process.it does not make sense. I have all the copy & evidence it was. Coinbase try to claim voyager token was supported by Coinbase pro but it wasnt otherwise I would transfer to pro instead i have pro account too. It was available to receive from Coinbase exchange. I know was not available to purchase but it was available to receive which where i was copy paste the address. Also Coinbase wallet ( where i kept my voyager token initially ) sent me email to confirm it has successfully transferred or sent. 

I look forward to receiving my token either back to my Coinbase wallet or Coinbase exchange. As a US citizen I believe American most trusted crypto platform will take this matter seriously & take action to fix my issue as regular customer Input : in last 2 weeks i have transferred successfully my other XXXX crypto tokens from Coinbase wallet to coinbase exchange account which was XXXX token & XXXX tokens. Reason i am saying this because im not new to system which is i do this type transactions regularly & successfully until this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Siwell Inc
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Capital Mortgage Services of Texas raised our house payment by {$1100.00}. When we reached out to them to ask them why, they claimed we were not paying enough in Tax and Insurance so that made us owe a little over {$7000.00}. The only options that were given to us were to either just pay the new high monthly payment or refinance which neither was an option for us. This was very frustrating since they also had decided to lower our payment by a couple hundred dollars 2 years prior. We resolved the problem through a different route without any help from the mortgage company. We did manage get the payment back down, but it is still up {$300.00} from what it has been for the past couple of years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit 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 booked a hotel through the Capital One website for XX/XX/2023, through XX/XX/2023. The reservation was at an XXXX XXXX with a fully equipped kitchen and king-size bed. When we arrived, first we were put in a room with no kitchen and two full-sized beds. Additionally, the air conditioning was not working. After talking to the manager, they moved us to another room with a kitchen. The room smelled of cigarette smoke, the bathroom exhaust fan was hanging from the ceiling, the bed sconces were falling off the wall, and the kitchen was empty ( no supplies ). I talked to the manager, but it being XXXX XXXX XXXX they had nothing else. Having no other option, we tried to stay, but the room and overall hotel were unpleasant and unsanitary. I got home immediately, called Capital One and XXXX XXXX, explained the situation, and sent pictures of the rooms and what was advertised when I booked the reservation to them. They provided a credit, and I thought we were done. On XX/XX/XXXX, they reversed the credit and sent me a letter saying they had not received any documentation from me. I called, talked to a representative, resent all the documentation, and confirmed with her it was received. She told me they were re-applying the credit. Nothing was adjusted, and when I received my next statement, I called again. I spoke with XXXX in XXXX and then supervisor XXXXXXXX XXXX XXXXXXXX. They told me they had no documentation that allot time had passed there was nothing they could do for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX and XXXX has violated my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Inquiries on my report that I did not authorize and I want to remove the Fraud alert on my account I've called and sent in required documentation to remove the fraud alerts from Transunion, 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 non-monetary relief
Consumer complaint received 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 recently saw two fraudulent credit card accounts on my XXXX credit report. I spoke to fraud/disputes department on XX/XX/2021 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back on XX/XX/2021 and representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two Capital One accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. A credit card was opened online with Target by the person who stole my wallet ; the account was approved. The credit card was opened XX/XX/XXXX. I was not aware of this CC until XXXX when I was being charged for an amount I never spent. I called Target in XX/XX/XXXX to dispute this matter. The gentleman said not to worry as he would close it and mark it as fraud ; however, that did not happen. I called again in XX/XX/XXXX because my loan XXXX told me the Target CC affected the loan process since it showed it was delinquent. The person who was handling my account told me my claim was denied because I did not complete the questionnaire, however, I never received a questionnaire. I called again in XX/XX/XXXX because I had not received the questionnaire. I spoke to the lady and asked her to email me the questionnaire. I completed the questionnaire and sent it in. I received a notice in XXXX advising my claim was denied. I called to dispute this matter, and I threatened to sue them, and the lady told me to go ahead and do so. I explained myself over and over, and I sent in the police report which reads my wallet was stolen along with my SSN and ID 's. She said she could do nothing because someone had called to make a payment and even set up an arranged payment. I told her they did the same with my other credit cards and even maxed out XXXX of my clothing credit cards. She didn't care to listen. I asked for the details ; what debit or credit card did they use to make this arrangement and for the successful payment? Have they reviewed the cameras of when this person made the purchase in the store and all she said was she could not provide those details. My credit score dropped almost 100 points because it was maxed out and because it was past due in payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-29
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
i would like to know why diversified consultants thinks they have the right without my permission to share and resell the debt they marked as fraud in their systems and my last complaint against their company got them to delete it from my credit report and from their systems but yet they think they have the right to resell my personal information to XXXX XXXX after after they confirmed the account was fraud? how the XXXX can your company do that? please explain because i am leaning toward you violated the fair debt collection practices act the account was for a XXXX account i have no clue about and does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX has reported a debt of XXXX to the 3 credit bureaus and this is from XX/XX/XXXX XXXX XXXX. I have tried calling them. No success. This is my daughter account who live in XXXX. I have no problem paying g XXXX it was reported under the wrong ss # and need to be removed. All 3 credit bureaus have my XXXX ID and address. From XXXX to present. Please remove.

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 2022-11-02
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 is missing that should be on the report

Complaint:
MY XXXX XXXX WAS TRANSFERRED ON XXXX XXXX 2022. TO XXXX XXXX XXXX XXXX. THE CORRESPONDENCE ADDRESS IS PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. THE PHONE NUMBER IS XXXX. 
IN MY CREDIT REPORT IT SHOWS I HAVE A BALANCE OF XXXX  I DISPUTE THIS. MY BALANCE IS XXXX XXXX. WHEN XXXX WAS TRANSFERRED TO THE PXXXX XXXX XXXX XXXX MY BALANCE WAS XXXX. SOMEONE SHOULD HAVE UPDATED THE TRANSFER AND BALANCE IN XXXX AS OF NOW, MY BALANCE IS XXXXXXXX XXXX. THERE IS NO REASON XXXX TRANSFERRED ACCOUNT SHOULD SHOW A XXXX  BALANCE IN MY CREDIT REPORTXXXX XXXX XXXX XXXX XXXX SHOULD UPDATE THIS INFORMATION IN MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On the XXXX of XXXX I was double charged for Medical Services averaging in over {$400.00}. 
When I set up an online account to pay by ACH checking account, it was obvious that a XXXX Party was online with me, as XXXX Medical Charges under Peepers.com ... .using the term : Non specific Medical Charges appearing XXXX as though I had an Eye Exam, and fitting for non Rx reading glasses. 
The first Medical Charge was grabbed and switched to a merchandise purchase. Then there is a XXXX charge. 
I was a TENANT INSIDE A REHAB HOSPITAL AND MY INSURANCE PAYS 100 % AND THEREFORE THERE IS NO NEED FOR MEDICAL SERVICE CHARGES. 
THE FRAUD DEPARTMENT IS VERY LAXED AND JUMPED AT THE CHANCE TO BLAME THE CUSTOMER ... SHOWING A LACK OF INTEGRITY AND PROFESSIONALISM. USUALLY AN APOLOGY IS MADE AND AN INVESTIGATION IS LAUNCHED FOR XXXX TO XXXX HOURS. 
THERE ARE SO MANY COMPLAINTS AGAINST DISCOVER THAT MAKE THEM LOOK VERY SHADY, I DOT THINK I WOULD EVER EVER TRUST THEM AGAIN. 
I LAUNCHED A COMPLAINT WITH THE FTC FOR DECEPTIVE TRADE, AND FALSE ADVERTISING FOR PROMO CASH DEALS UP FRONT. I COULD NOT GET MY ACH TO GO THRU THE FIRST TIME AND THE XXXX TIME, THEY CAN'T SEE WHETHER MY ONLINE PAYMENT WENT THRU, OR WHETHER THE XXXX XXXX EXTRACTED MY BANK ACCOUNT NUMBERS AND SAILED AWAY WITHY LEFTOVER CASH. 
VERY POOR SERVICE... OUT FOR THEMSELVES, AND REALLY ARE JUST AS CLUELESS AS AFFIRM ONLINE SHOPPING INSTALLMENT LOANS. YIKES! WHAT A NIGHTMARE ... CONSUMER IT UTILITY TRAPS IN SETTING UP LOANS WITH AFFIRM, TOO!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a response and continuation of complaint # XXXX. 

On previous complaint/response Fay indicated the $ 88000+ reinstatement I paid in XX/XX/XXXX covered late months starting XX/XX/XXXX and all subsequent payments. I am attaching proof I made several mortgage payments in XXXX and XXXX. I paid these months and payment was taken out from my bank. 

I am providing statements showing Fay Servicing is not properly crediting my mortgage account. And charging me twice for the same months. I paid my reinstatement amount required to bring my mortgage account current after several months of missed payments and trying to get help with payments. 

On previous complaint Fay did indicate there was a calculation error on their part. This error is making me late on my monthly mortgage payment. Fay Servicing never made me aware an additional payment was due ; I was made aware with my credit report. Fay is asking me to provide an additional $ 4500+ to bring my payments current after they made an error in calculation. I am asking Fay Servicing to assist borrowers in providing help in bringing account current and not just say " Sorry, it is what it is. '' Asking borrowers to suddenly and ASAP to come up with an additional $ 4500+ is not ethical. 
I am asking Fay to please help borrowers. Asking to please assist borrowers and not push them to be late payments and foreclosures. 

Attaching Several months, my bank is only providing 2 years ' worth of payment history.

Company response to consumer: Closed with explanation