BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-26
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern : I am writing in regards to Ocwen Loan Servicing, LLC failing to comply with my rights under XXXX. 
XXXX XXXX, I signed an agreement in regards to loan modification, in XXXX XXXX I completed the XXXX  month modification. The opposing council XXXX XXXX XXXX XXXX falsely stated that I had not made the initial modification payments in XXXX XXXX, I proved that this was incorrect with my receipts. In XXXX XXXX, I entered a lawsuit against Ocwen in regards to them calming that I had defaulted the signed contract in XXXX XXXX due to late payments. 
Ocwen is calming that I owe XXXX shared appreciation amount. On XXXX XXXX, XXXX my lawyer mailed them a XXXX requesting a detailed calculation of XXXX XXXX, XXXX payoff quote. They have failed to reply. 
I am currently unable to access my mortgage account, when I contact Ocwen they tell me that I must contact my attorney. In XXXX XXXX XXXX XXXX Ocwen failed to report my timely monthly payments to XXXX XXXX XXXX XXXX XXXX credit agencies. I disputed the issue in XXXX XXXX my credit history was not updated. To current date my payments has not been reflected in my credit score. 
On XXXX XXXX, XXXX, Attorney General XXXX announced that Ocwen customers were to receive XXXX XXXX as part of a XXXX XXXX national foreclosure, mortgage servicing settlement. I believe that Ocwen has made multiple mistakes in regards to my loan modification, I currently want Ocwen to give me a detailed calculation in regards to how they came up with the XXXX in back payments, and why on XXXX XXXX, XXXX there were XXXX property inspections in a single day and XXXX falsified mortgage payments from XXXX XXXX, XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX myself, as well as my attorney who was on a conference call with me, called Ocwen to find out more information, Ocwen refused to answer any question about my loan account. 
On about XXXX XXXX, XXXX I applied for a XXXX XXXX XXXX signature card, I was denied due to the reported poor payment history with Ocwen. 
On about XXXX XXXX, XXXX I applied for a XXXX XXXX XXXX card and then again was denied due to the reported poor payment history with Ocwen. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Vehicle Solutions Corp
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and this is in reference to my previous case, the previous case # was XXXX. 

In that complaint I demanded the following items and they have not been sent over. 

XXXX XXXX XXXX demand you stop all illegal negative reporting to any and ALL consumer reporting agencies and remove from my file NOW*** XXXX XXXX XXXX XXXX XXXX ***INVOICE FOR WHEN VEHICLE WAS XXXX Under FDCPA if this company is not going to honor my request, they must remove this file from all CRA 'S. 

Once again, I have sent this company a cease and desist and demanded an Audit Trail, Debt Validation, Forward Floor Agreement and Invoice for when vehicle was sold after illegally being taken from my possession. Under CFPB consumer protection laws, this company must sent back this information and if they do not, must remove from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TFS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, we were informed by Third Federal personnel that we had been denied for our mortgage refinance. They cited our income to debt ratios and the loan to value ratios were too high. Below is the email we received when we asked them to explain exactly what their ratios were. 

" Currently we require our debt to income ratios to be 28 % ( housing ) /36 % ( housing and all other debt ) Youre ratios were at XXXX Also, the loan to value needs to be at 70 % or below, you are currently at 80.9 %. '' We feel we were grossly mislead by Third Federal. Had they disclosed their requirements upfront, we would have sought another lender. We've never heard of requiring a 70 % loan to value from any lender. We have wasted valuable time ( we first applied on XX/XX/XXXX ) pursuing an application for refinance with them and were lured in with the promise of a " low cost loan '' for only {$290.00} in closing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am a victim of ID TheftXXXX XXXX XXXX XXXX I have disputed item on my credit report due to going through ID Theft. Equifax have removed inaccuracies from my report. The did removed the fraud alert from my credit file, and the freeze. But in retaliation they did a hard credit file lock on my file. I couldnt close on my mortgage or Refinance my car. The company said they creditors need to call them before pulling my credit file. In response the banks said they will not follow that procedure at all. They said they have many consumers and thats is a banking violation. I called Equifax and they told me that they can not remove the credit bureau lock. I worked with agents that were unprofessional and retaliated against me because Im XXXX, XXXX, and because of the things I disclosed to them about my life that led up to ID theft. The 3 agents in the Office of consumer affairs are : XXXX XXXX, XXXX XXXX, XXXX, and XXXX. Equifax have people in other countries working and they were not properly trained not to discriminate and treat US citizens properly. I am scheduled to hire an attorney to sue Equifax, for pain and suffering, discrimination and violating the FCRA. They do not care and the agents said its nothing they will do the problem has been escalated. One person name XXXX said it has been removed and when the mortgage company pulled my credit she said that was not true

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hi, My complaint is with coinbase. They closed down my account without giving me any details other than suspicious activity. Ive been emailing them multiple times for the last XXXX months with no resolution. 
Today, I contacted them twice by phone. After about XXXX in hold, I was connected with a rep name XXXX, and then was disconnected when she was looking into my account with a specialist. I immediately called back and after another XXXX, was connect with XXXX. Explained to him that I was just disconnected and then Ive been emailing Coinbase for over XXXX months but have gotten nowhere. I requested to speak with a supervisor and after a few minutes of push backs, he agreed. A few mins later, XXXX got on the phone. I explained to him that I would like some help in regards to why my account is locked due to suspicious activity. His response was, thats above my pay grade. I asked if theres anybody there that could help but he said no. And started to insult me. Coinbase doesnt want your business, you can do business with other XXXX companies! He sounded very hostile and I was schocked and appalled and for a few seconds didnt know how to respond to it. I asked him his last name or employee ID but he refused to give that information. XXXX repeated again, Coinbase doesnt want your business, you can take it elsewhere. Before I could respond, he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: U.S. BANCORP
State: GA
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:
I requested to have this secured credit card account closed back in XXXX of XXXX. According to U.S Bank XXXX this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.

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 2020-12-20
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a 30 year home mortgage with Mr. Cooper, loan number XXXX. After never missing a payment for 30 years we mailed what I thought was our final payment {$1600.00} on XX/XX/20 ( see attached ). Mr. Cooper told us there as still owed {$520.00} which I paid on XX/XX/20 ( attached ). This payment was never applied. I sent another {$250.00} per Mr. Cooper 's request on XX/XX/20 but somewhere in there our payment was deemed late and it has now adversely affected my credit ( see attached ). I am asking that Mr. Cooper immediately contact the credit reporting bureaus to show this issue as resolved so that my credit will be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to log into my account at Lakeview Loan Servicing to check my account details and the website is never operable. I was finally able to change my password today ( XX/XX/19 ) and it brought me to the post-login screen, but none of the links work and I can not view my payment history or account details. I can verify my information over the phone but the wait time is over 45 minutes each time I call. They even have a voice message at the beginning of their automated call system that says " If you're having trouble with the website, please wait an hour and then try logging in again. '' Which, incidentally, does not fix the problem. Based on the shabby, 1997-esque aesthetic of the site, I would also assume that it is not secure against cyber threats.

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 2022-04-01
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this dispute against XXXX XXXX. I opened a credit card with them and they closed it before I could pay the final amount of {$120.00}. I have made multiple attempts both in person at the location I opened the account and over the phone to work with their customer service department about paying off this debt, and have been told over and over again that my account doesn't exist and they have no history of the the credit card account so they can not resolve the issue. 

XXXX XXXX made it extremely difficult to make payments on the credit card throughout the entirety of the card being open. They barred us from paying the card online or over the phone and forced us to come in person to make payments the exact day the payment was due or they would add a late fees. 

The last billing statement I have from them is from XX/XX/2019. I have been trying to resolve this issue ever since. I do not have a full account number for the credit card but I can provide the last 4 digits, a copy of the bill, as well as any other information needed to access the account and pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX account on my Transunion and XXXX account is reporting a balance on my account as of XX/XX/XXXX. This account was transferred to XXXX XXXX XXXX In XX/XX/XXXX, I paid a settlement on this account with the collection agency. This account is not showing as settled and a balance is still being reported was being reported as of XX/XX/XXXX. I have disputed this account several times and XXXX and Transunion and instead of reporting the account correctly both credit bureuas have removed the payment information as Unknown on my account.

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 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
There was a hard inquiry on my credit history from XXXX on the date of XXXX XXXX, XXXX. XXXX XXXX I spoke with a representative XXXX around the time of XXXX, she then switched me over to XXXX XXXX XXXX. I explained to XXXX that I wanted to dispute a hard inquiry from this company off of my credit. He said alright but he would need the Credit Bureau to send XXXX a letter confirming that they would like to have this inquiry removed because they were n't able to send out letters. I then called the Credit Bureau XXXX TransUnion XXXX and the representative was very rude about helping me. He said there is nothing he can do about the situation, he needs XXXX to submit a request asking for this inquiry to be removed. I consistently tried to explain to him what the representative told me. I then asked him what should I do if they said they can not send out letters. I was then told that " I do n't know what to tell you that is your only option ''. I was not impressed and vary dissatisfied with the representative of the credit bureau.

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 2022-10-03
Company: Bridgecrest Acceptance Corporation
State: TX
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 have not given written instructions for any late payments to be reported on my credit report. Any negative reporting without consent is fraud and a form of identity theft. 

15 USC 1681 section 602 A- states I have the right to privacy 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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: Account information incorrect

Complaint:
I have written several certified letters disputing the validity of these 4 Student Loan accounts and asking for the deletion of inaccurate information. There are 90 day late payments without prior 30 or 60 days late payment history and this is factual data shown on Experian 's report so how could they be doing an investigation when they don't even read their own report. Also, the highest balance listed is 0 which would be inaccurate. 3 ) Status shows updated XX/XX/2019 although I have asked for dispute after that with no proof of notice which is a violation

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 2021-05-13
Company: FIRST FINANCIAL BANCORP
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I applied for a loan online and several companies contacted me via telephone to do the loan process prior to XX/XX/XXXX. The company claiming to be XXXX XXXX XXXX  paid off XXXX of my credit cards in the sum of {$1100.00} stating they were doing so to make sure that I was responsible enough to repay them. They had me repay them by purchasing gift cards and sending the cards to them electronically. The payment of {$1100.00} is the only transfer of funds from them that hasnt been returned/refused/taken back. I was then approved for a loan and {$4600.00} was deposited into my account on XX/XX/2021. At that time I noticed funds were being transferred both in and out of my accounts. I applied for a second loan through a company claiming to be First Financial Bank, in the amount of {$5000.00}, then a deposit of {$4800.00} was put into my account on XX/XX/2021. The funds were made available by the bank after XXXX day, at which time I began using the funds. The next day, I was informed that there was a check from a law firm that had been altered. The company I applied for the loan online had access to my bank account and had me return funds to them saying this was the process to assure my bank account was good because it had reversals in it so some of these funds were returned to them saying this was the process for approval, once the check was cleared after XXXX  days by the bank, I was under the impression the loan was okay, but later found out that it wasnt and it was a scam. I then contacted my bank to try and find out what was going on to bring them to justice. 
Both Financial Institutions were out of Ohio, XXXX was claiming to be XXXX XXXX XXXX, the other was claiming to be First Financial Bank. If someone can contact me asap about this at XXXX thank you.

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 2017-10-26
Company: Experian Information Solutions Inc.
State: WA
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:
There are accounts listed that DO NOT BELONG TO ME I have disputed and they still remain XXXX XXXX # XXXX Never took an account out with this company, this is someone else 's XXXX XXXX # XXXX No balance is past due or owed, remove this mistake

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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 no knowledge of this information on my consumer report

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 2022-04-01
Company: Nelson Cruz & Associates LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification from my automated credit report monitoring platforms. The original creditor is XXXX, my account was sent to a debt collection agency XXXX  to me because I never received a debt validation letter. The amount of {$1900.00} is completely inaccurate but aside from this I was not allow due process to dispute this account or amount. It is in violation of Federal Laws and would like this information removed and me being allowed due process.. These companies should not be allowed to ruin someones credit because they can..

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 2017-10-26
Company: Experian Information Solutions 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:
MY NAME IS SPELLED XXXX XXXX I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND CREDIT REPORT. ON MY ID MY ADDRESS IS CURRENT THATS THE ONLY ADDRESS I EVER HAD IN MY LIFE ANY OTHER ADDRESS SHOWING ON MY CREDIT FILES ARE FRAUD, ALL OF THE PHONE NUMBERS ARE FRAUD ALSO.

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 2019-02-09
Company: EQUIFAX, INC.
State: SC
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 checked my credit score recently and saw that there was a hard inquiry done by XXXX on XX/XX/2018 on my credit report that was not authorized by me neither was I informed of a credit inquiry being done on my credit report. I later spoke to XXXX XXXX XXXX and they told me they want to know my credit score and then a hard inquiry which I did not authorize also the car that they sold me was a lemon so I took back the car.

Company response to consumer: Closed with explanation