BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX GMAC - Our problem began-we were being forced into foreclosure, un beknown to us. One night XXXX we came home to a woman at our front door-Realtor wanting to list our home as she was aware we were in foreclosure. ( We were take by surprise and informed her our home was not for sale ). We had many horrible phone calls with agents at GMAC stating we were in Foreclosure. Not behind on payments, this became a heated phone call. This has been an exhausting process. You can see the history of our request to make this right with our Mortgage. I do hope you can see all the horrible history and complaints filed, working with the Utah Attorney General Real Estate office ( he passed away, I later found out and he helped us more than anyone ). Never satisfied with the outcome as we were scammed during XXXX with the SubPrime loans. We wanted a FIXED rate our payments were to be around {$1500.00} this was XXXX. We were highly pressured at the time to go with the Lower Payment. Which continued to change everything over time and by 2008 with GMAC our world with our home security was threatened. Exhausting fight to make it right. Hired a lawyer, dropped the ball. We fought to keep our home to end up with a huge Balloon. We will never own our home, which is sickening to me. This is all because of the SubPrime Scam. This has been forever exhausting to continue to fight for our rights to Own our Home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit bureaus requiring unsecure method to freeze reports of dependent minor. 

Members of my family were impacted by the XXXX data breach. We've frozen records for adults but our children ( minors ) are the issue. To freeze the reports of my children, all credit bureaus require us to mail them ( in a single envelope ) copies of their social security cards and birth certificates ( plus additional info ). To say that is a tremendous security risk would be an understatement as we are placing two of the most critical documents used for identify theft together and sending it through the mail. 

I find this unacceptable as the ONLY means to freeze their reports and believe others will have the same concern.

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 2018-09-26
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a credit card from XXXX XXXX several years ago that was attached to my joint account ( with my husband ) at Fidelity Investments. Approximately two years ago, Fidelity informed us that they would be replacing the XXXX XXXX card with a VISA card through XXXX XXXX XXXX. I found out last week when trying to correct an erroneous billing issue that XXXX would not discuss any issues with me without my husband 's specific authorization because I was not an owner of the account. I asked how could that be since the original XXXX card was originally issued to both me and my husband based on our joint account at Fidelity. XXXX claims the information they received when they took over the business at Fidelity must not have indicated such and they required me to submit a new credit application which they rejected. XXXX refuses to provide any documentation showing that they received this incorrect information from the previous credit card company as they allege. I believe that this a clear case of discrimination against me as a woman since they only issued the credit card to my husband even though their relationship is based on a Fidelity account that is jointly held by me.

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 2018-07-30
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/2017 we have been trying to get our payment lowered by having the loan modified through the loss mitigation process. It took almost 9 months for a approval. They kept asking for paperwork I had already sent. While they wait for that paperwork other paperwork was out of date then they would request that again. I had to send them a hardship letter 5 times and pay stubs all most 10 times.I have fax confirmations. Our attourney sent the paperwork and authorization and they said they didn't have it at all. So I complained to the state and assigned someone then o got a approval. Then the trial period started and rather then lowering the payment everything increased.They said the reason is because of the back pay. So I filed a hardship with the state now it was current and we just needed it processed. Now we have to start over and now they are playing the paperwork game again and now we have a 30 day late payment. And they still have not explained the fees they charged and can't .Its just money they took from me.

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 2018-07-30
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I have co-signed for a car for my X Wife. She took the car in the divorce. She had stop paying for it, the and give it back to Hyundai in XXXX. Hyundai Closed the account in XX/XX/XXXX. In XX/XX/XXXX an other payment was made. That was a court ordered payment FINAL payment to pay off Hyundai 's debt by my X wife of {$1600.00}. Because the account was close I didn't pay attention to it. I have opened a secured credit card. 3 years went by and my credit scores were the same never went up. Now I know why. Cost it me a lots of money so far. A few months back I opened the details of the credit report. I was shocked. 2 and a half years went by suddenly Hyundai started reporting the months they alleged I owe the {$1600.00} and reporting it this is under collections. Between XX/XX/XXXX and until no one ever called me to collect any money. I wasn't hiding I have a listed number. Their statue of limitations of 5 years of collections run out anyway. Hyundai altered my records just recently. Removed the actual date of when the account was CLOSED and left only when the FINAL payment was made. I have the proof of the original dates what they have recorded. Why would a company would wait 2 and a half years to even making merit less demands. They started reporting again in the middle ofXXXX. No company would wait 2 years, and they didn't even after my wife first stopped paying. They have instantly referred the case to collection back then.The records says now in Collections Charge Off. XXXX already corrected their records and have removed the monthly chart what the company claimed, how I have not paid any money back to them for the months and years. My credit newer went up and suffered because of Hyundai monthly reported false claim for the last 2 and a half years. And they are still reporting on it as of now. Their last report was in XXXX. They are 3 months beyond the statue of limitations of any collections anyway. So when when is the reporting will stop? Why do they REMOVED from the credit agency records the actual date/time when the account was closed? Regardless of the last date of the payment of XX/XX/XXXX. They got paid fully. They have left in the XX/XX/XXXX, it makes it looks like they are legally demanding, collecting and entitled the money! FRAUDULENT practice. They have tailored the financial data to their needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: SYNCHRONY FINANCIAL
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:
I had an email alert that a new credit inquiry was made from a SYNCB/SAM 'S XXXX on XX/XX/2021. I do not recognize this action or inquiry. I looked it on and it was some kind of credit inquiry for a Sam 's Club credit card. I already called Sam 's club and there is no existing credit account with them and I also called XXXX XXXX about the credit inquiry and was told to file a complaint to remove the inquiry off my credit report. I also want to know if my identity/SSN have been compromised.

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 2023-04-03
Company: Nationwide Credit & Collection, Inc.
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:
Nationwide ( XXXX XXXX ) filed a collection in XX/XX/2023 for a debt that is not mine. I have never lived in XXXX, TX and have no children. I disputed this with XXXX and it was removed but returned 30 days later in XX/XX/2023. I tried calling the collection agency again but their phone number recording says it is no longer in service ( XXXX ). This is not my debt and I need help removing it and preventing this company from trying to add collections to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Key Bank, XXXX Ohio. Account ending in XXXX On XX/XX/XXXX using a 3rd party ATM I withdrew {$100.00} from my checking account. What I did not realize was that this caused an overdraft of {$72.00} since this was not my main checking account. When I next attempted to withdraw money the ATM told me there were no funds available and I assumed that the account had gotten to the point that the monthly maintenance fees had used up any remaining funds. I did not attempt to use the account again. On XX/XX/XXXX Key Bank transferred {$100.00} from a Cash Reserve account to cover the shortage ( XXXX ) in the account and also charged a {$2.00} ATM withdrawal fee for the transaction on XXXX. This left a balance of {$24.00}. On XX/XX/XXXX a monthly maintenance fee of {$7.00} was charged making the balance {$17.00}. This {$17.00} was then applied as a payment to the XXXX XXXX account bringing the balance to {$0.00} in the checking. On XX/XX/XXXX a {$7.00} maintenance fee was charged and since the account was at XXXX another {$100.00} was transferred from the XXXX XXXX account. So {$100.00} transferred to the checking minus {$7.00} left {$93.00} back in the checking. Random dollar amounts were then taken out of this to pay the XXXX XXXX account. At no time was I receiving any statements to alert me to this. This went on until I began getting phones calls from Key bank that I had a past due balance. I ended up having to pay {$400.00} on XX/XX/XXXX to keep from getting any more late fees and late notices on my Credit Report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have requested access to my file online multiple times and access has not been given. I am totally blocked from access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2021-03-04
Company: FIRSTBANK PUERTO RICO
State: PR
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:
On XX/XX/XXXX, I sent an email to FIRSTBANK in order to find out why they made an unauthorized request for my credit report from XXXX according to a XXXX XXXX notification. Their response was that FIRSTBANK don't entertain complaints over email directing me to use regular mail with a set of questions. 

After a back and forth that took several months with FIRSTBANK requesting more personal information that I didnt particularly want to share with them on XX/XX/2020, Mr. XXXX XXXX from FIRSTBANK finally acknowledged their mistake and proceeded to correct the unauthorized credit inquiry, but that was only after I sent a copy of my Drivers license and Social Security card as they requested. 

On XX/XX/2020, Mr. XXXX XXXX declined my request to return the copy of my Drivers license and Social Security card allegedly because they are required to keep documentation about their clients. 

Please, ask FIRSTBANK to return the copy of my Drivers license and Social Security card that I only sent to them to validate my identity and correct a mistake of their making. Im not a client and dont feel comfortable with FIRSTBANK having a copy of my personal documents. The only thing that they have proven is that they cant protect confidential information from their own employees.

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 2020-07-07
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started the mortgage process with Wells Fargo requesting a {$260000.00} mortgage with a 3 % downpayment, received the approval and commitment letter. 

Over time various documents were requested and I submitted them to their document management system, the documents submitted were then later claimed by Wells Fargo as never received. One such document I sent over was the Sales Contract and Addenda. With all of those documents in place and respective commitments fulfilled on my end, Wells Fargo decided they needed MORE documents before they could provide a closing disclosure. They decided more documents were needed the week of closing ( two days before closing as a matter of fact ). The document in question was in regards to an HOA insurance policy document, which not specified anywhere on the commitment requirements, and it suddenly became a requirement two days before closing. 

So now the sales contract is in jeopardy and I am likely going to lose out on this sale and {$1500.00} ( earnest money ) + the over {$1000.00} spent on inspections, appraisals, and other fees associated.

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 2018-09-26
Company: DISCOVER BANK
State: AL
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:
ON XX/XX/XXXX I CALLED DISCOVER, BECAUSE I FOUND A CHARGE MANY YEARS AGO THAT I DID NOT DO, AND WAS INFORMED BY A GOOD FRIEND THAT I COULD REPORT IT AS FRAUD WHICH I WAS NOT AWARE OF, BUT I CALLED THEM AND LET THEM KNOW THAT I DID NOT DO A CHARGE ONXX/XX/XXXX BY   XXXX FOR {$9300.00}. THEY TOOK MY FRAUD COMPLAINT. THEN ON THE XXXX I GOT AN EMAIL STATING THAT I WOULD BE GETTING THE CREDIT. THEN ON MY XXXX STATEMENT I GOT THE CREDIT. THEN A FEW WEEKS LATER AFTER REQUESTING A CHECK FOR THE MONEY WHICH THEY SAID ID GET IN 7-10 DAYS WELL ON THE 10TH DAY THEY CLAIMED THAT I WOULD NOT BE GETTING THE CREDIT. WHEN I CALLED THE WOMAN WAS VERY NASTY SAYING THAT I MADE PAYMENTS WHICH I DID BUT ONLY SO I WOULDNT HAVE A BAD CREDIT SCORE! THEY SAID THEY WOULD PUT IT BACK THRU, AND THEN NEVER HEARD FROM THEM AGAIN! THEN TODAY I CALLED AND SPOKE TO XXXX WHO ONCE AGAIN WAS RUDE SAYING THAT I MADE PAYMENTS AND HOW IN THIS DAY AND AGE WOULD I NOT KNOW I COULD FILE FRAUD. I EXPLAINED THAT I AM AN ELDERLY MAN WHO DOESNT REALLY UNDERSTAND HOW IT ALL WORKS SHE THEN SAID SHE WOULD PUT IT BACK THRU I JUST WANT MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On the first week of XX/XX/2021 i sent out a debt validation letter and i still have not received a response. According to 15 usc 1692g they were supposed to send validation within 5 days of receipt of this letter which they have not done. This is a violation of the FDCPA. Since they can not verify this ALLEDGED DEBT they are currently violating 15 U.S. Code 1692j by furnishing false and deceptive forms on my consumer report. They are also violating 15 U.S. 
Code 1692f by using unfair practices in trying to collect an ALLEDGED debt as well. I demand this be removed from all of my consumer reports and I demand for this company to stop trying to collect debts that they CLAIM are mine. They are violating many of my right so if not action is taken I will be seeking monetary remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
After 17 years of having a Netspend account, they changed their flat rate for over the counter withdrawals from {$2.00} to % 1. However, it states on their website that the over the counter withdrawal fee is {$2.00}. On XX/XX/2021 I did an OTC withdrawal, and they charged me {$8.00} fee. I called to dispute the fee same day, and was told that they didnt change their fees that it is still {$2.00}. Yet, when I called back on XX/XX/2021 the Netspend rep stated that they changed their fee to % 1 on the dollar. They never updated this change on their website, nor notified their account holders. The rep reimbursed me {$5.00} and just said sorry, and hung up on me.

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 2020-09-20
Company: ALLY FINANCIAL INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2018-04-05
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We disputed this charge with our credit card company ( Barclay ) to XXXX XXXX XXXX.  We signed up for this service while on vacation and after returning and investigating the company we found that it was Fraudulent inducement and under the direction of our attorney were told to not make any payments, dispute the charge, and cancel the card. We have received absolutely NO goods or services from this company. None. We disputed the charge but Barclay denied our dispute despite the fact that we have no goods or services received. Now it is showing up on our credit report and we have always had scores of XXXX and above until this hit our credit. We have never been late on a payment of any kind for any loan.

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 2018-03-08
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They are contacting my co-workers asking where I am located. These are people who only know me by name. So far to my knowledge they have called at least 2 people. 

I am currently having my wages garnished for the debt they are trying to collect and they are still harassing me and calling third parties about me.

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