BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: Ocwen Financial Corporation
State: NC
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:
Payment history provided by Ocwen is incorrect and shows where Ocwen has reversed payments on their end despite payment confirmations on our end. Ocwen reported our mortgage was 30+ days late to all 3 credit bureaus in XX/XX/2018, XX/XX/2018, and XX/XX/2018 which is incorrect. The payment records I've attached show the payments were correct and Ocwen 's record shows them removing payments from our account several days after the payments were made. There are currently 30 states that have filed lawsuits against Ocwen for similar practices. They also refuse to respond to any questions on the phone. Ive called numerous times and been disconnected, transferred, hung up on, given fake numbers that dont work, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had Victoria secret credit card, i paid entire balance on my card, about two months latter I received alert from credit monitoring that I was delinquent on this credit card.

when looked I saw there was two separate finance charges. the charges was posted 25 days after my account balance was {$0.00}. i have reason to believe either it was done in error or simply a fraudulent charge by the creditor to get extra money out of me. it started with {$2.00} cent finance charge and then same day there was another finance charge of {$3.00}, cent on credit card that had {$0.00} balance,. and then i was charged {$5.00} late fee on the interest charge. then there was interest charge, and then another late fee of {$13.00} then another interest charge of {$2.00} even I thought it was not right but I still paid it to avoid any issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have informed Experian on  XXXX   XXXX ,    2017  that the following address is not mine and had never been mine. However, Experian has not removed the address from my credit file.   XXXX  Address that is not mine :  XXXX   XXXX   XXXX ,  XXXX   XXXX , CT  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 2019-08-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Chase bank has offer for sign up for XXXX a service and get XXXX $ cash back. XX/XX/2019, we signed up for the cash back offer and we also signed up for XXXX home security. Chase said they couldnt honor it because of how the payment was ran. So we ended up making another payment on XX/XX/2019 even though we were paid for XXXX into XX/XX/2019. 15 business days from then would be when I should expect money deposited into my checking account for the promotion. At this point, I have been calling for over two weeks and have still not been honored the promotional money. Two cases have been filed ( the second one prolonged things by 2-3 business days ), and despite what the Chase customer Service Representatives tell me, I still have not been called until this week. A lady from this mysterious Online Products Department called me during my work hours and I missed the two calls but i immediately called her back. I have left several repeat messages. yesterday I spoke with a manager in the customer service department who offered another case be filed and that I would get a call back today which is XX/XX/XXXX ... I declined because opening a case seems to prolong things. Chase Bank has still not honored the promotion and no one can tell me anything. According to Chase customer service representatives, the department that deals with online promotions doesnt take incoming calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01
Company: ENCORE CAPITAL GROUP INC.
State: IN
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 sent certified letters explaining that these companies are using my identity saying I owe them .I have disputed all furnishes using my identity which no prevail please help. This identity theft has left me XXXX  and I only request to remove the inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am not sure I am writing the correct agency, or if there is any specific government contact for help with my problem. 

I graduated XXXX University, a XXXX school, in XX/XX/2009. From the way the speakers at assembly and the faculty made it sound, I would pay off my loans in no time at all. I'm sure some graduates did, but despite a decent income I am completely struggling to. My loans are more now than when I graduated, despite me paying as much as I could and never missing a payment. 

I have extremely high student loans. They are at 6.8 % interest. Many months I don't even pay anything other than interest. By the time I get to 25 years ( about 15 years from now ), they will be well over {$200000.00} still because the interest alone accrues so fast I can't pay enough to keep the principal from growing. I have made 10 years ( nearly ) of on-time payments. 

I can not find any company or lender willing to help me because my loans are too large and I am honestly not sure what anyone can even do to help me. As it stands now I will be eligible to have the principal balance " forgiven '' after 25 years of on-time payments, but I will be taxed on that amount as income for that year. That will be a HUGE bill. 

Supposing I am somehow able to save for retirement while also paying more than $ 1,000+ every single month until then, then I will have to give up all that savings to pay the tax bill for the " forgiveness ''. I will be broke as I hit XXXX, if not in a situation where I don't even have enough savings to pay that bill when it hits me at the 25 year mark. So I may very well be bankrupt. 

Sorry for the long email. I am not sure you or your office can help me. I have been trying to game this out and figure out some sort of plan for a few years, but haven't come up with much. I am open to any advice you may have, or other contacts or offices you think I am do well to email. My loan company, NelNet, hasn't done anything that I know to be wrong, although I am not aware that I signed enough promissory notes to have this much of a loan balance, and I don't have any copies of these notes, so I have to trust that the actual original balance was as high as it was supposed to be. I am not sure how I got such high interest rates, or if any program exists to allow me to lower them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested that a complete record of qualifying payments under the Public Service Loan Forgiveness ( PSLF ) program from my current loan servicing company, FedLoan Servicing in XX/XX/XXXX. I received a document initially stating that XXXX XXXX had records of 42 eligible payments out of the 120 required payments, which I believed to be inaccurate. XXXX XXXX conducted an audit, including reviewing records from my previous loan servicers. XXXX XXXX concluded that none of the payments I made from XX/XX/XXXX through XX/XX/XXXX were considered qualifying repayments because I was on the " Consolidation Standard '' repayment schedule ( and my loans were serviced by other companies ). It was not until I switched to the IBR -- and over to XXXX XXXX as my loan servicing company -- that XXXX counted my payments towards the PSLF repayment schedule. I was also informed that my repayments were not qualifying under PSLF because I was on the " Consolidation Standard '' repayment schedule and not the " Permanent Standard '' repayment plan -- of which I did not realize there was any distinction at the time I switched my loans over to participate in the PSLF program. 

When PSLF was first announced, I immediately took steps to participate in a Direct Loan Program repayment plan and moved my loan servicer from a private, non-profit company to one that was affiliated with the Department of Education. The information I reviewed, and the companies that serviced my loan at the time ( XXXX XXXX XXXX and then XXXX, which are no longer in existence ), confirmed that my repayment plan was one which would go towards PSLF because I was on a " Standard Plan. '' I was led to believe that my payments either satisfied the repayment criteria as a " Standard Repayment Plan with a 10-year repayment period '' OR " Any other Direct Loan Program repayment plan, but only payments that are at least equal to the monthly payment amount that would have been required under the Standard Repayment Plan with a 10-year repayment period may be counted toward the required 120 payments. '' This was further underscored when I was eventually placed on the " IBR Plan '' and my monthly payment amounts decreased. I also timely submitted my public service employer certification information when I first began participating in PSLF and was never informed until XX/XX/XXXX that my initial payments under the Consolidation Standard plan do not qualify as eligible repayments under PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX I went to the hospital ER room for an illness. However from the paper work that was shown to me by the hospital and verified by contacting their accounting department was advised they had the inaccurate address on my file. 

The address they had was my address from XX/XX/XXXXwhen I was their for XXXX and was placed into the system by the file on their records. When contacting was advised that it was a hospital records XX/XX/XXXX error due to the insurance card they had on file during my visit listed my new address. 

No letters were sent to my new address however notices were sent to the old address which I havent resided at in over 10 years and was placed on collections. Contacted collection company XX/XX/XXXX and they advised that it was still my fault even if hospital had wrong address. 

Contacted hospital again XX/XX/XXXX advised balances owed was XXXX yet collections company wanted XXXX due to late charges even though hospital accounting staff verified insurance card had new address but all notification was sent to old address.

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 2017-12-29
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX/XXXX/XXXX - I received email solicitation to refinance with XXXX XXXX and receive a {$500.00} Ocwen " Loyalty '' Reward. 
XXXX/XXXX/XXXX and again XXXX I notified the " loan officer '' that I had completed preliminary disclosure documents but there was no loyalty reward and the documents reflected an appraisal fee that was paid. I requested accurate documents. I repeated this request to another purported loan officer on XXXX/XXXX/XXXX and, again to a loan processor. This was by electronic mail, and I will attach copies. 
I never received accurate disclosures. 
I received an email on XXXX/XXXX/XXXX that I had withdrawn the application and asking for me to complete an opinion survey. I completed the survey, said that I had never received disclosures, had NOT withdrawn my application and demanded a refund of the fee paid on XXXX/XXXX/XXXX in the amount of {$450.00}. I repeated this request for a refund on XXXX/XXXX/XXXX by email to the purported loan processor. I have not received a refund. I will attach a copy of the charge on my account, see p. 2 charge on XXXX/XXXX/XXXX in the amount of {$440.00}. 
XXXX is as much of a scam as Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Sat XXXX XXXX I rented a car from XXXX Car rental located at XXXX XXXX XXXX XXXX XXXX XXXX FL. A fraudulent charge on my CHASE BANK debt card in the amount of {$4600.00} by XXXX XXXX EXPORT on XX/XX/21. I didn't have sufficient funds to cover that fraudulent charge but CHASE BANK was neglect and paid the transaction and is holding me responsible with my Chase Bank checking account overdrawn. I strongly believe Law enforcement and Legal action is warranted against CHASE BANK and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: CITIBANK, N.A.
State: CA
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:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CBNA XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to XXXX XXXX XXXX to purchase a vehicle on XX/XX/2021. I said that I wanted to purchase the vehicle using a personal check, not getting a new loan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The customer service agent and finance group told me that they would NOT need to pull my credit for me to pay with a check. They asked for my social security number, and minutes later I received a notification from Experian that an additional credit inquiry had shown up on my account. I am in the process of looking to buy a house so my credit score is very important, and I believe this inquiry affected it negatively. 

I would simply like XXXX XXXX to remove the inquiry from my record. I have contacted them 3 times over the phone, and once in person at the time of the vehicle purchase, to remove it, but I have not received a response.

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 2020-09-16
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2020 XXXX XXXX XXXX removed the closed account # XXXX from my XXXX  report, but not from XXXX  or Equifax report. 

I'm requesting XXXX XXXX XXXX to include XXXX and Equifax in the removal of my closed account # XXXX. Respectfully, Mr. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This dispute is for an account balance via XXXX XXXX  XXXX credit union with a balance of {$230.00} that has been paid in full please remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OCWEN Loan Servicing is currently holding onto {$17000.00} in my escrow balance. This amount far exceeds the required escrow balance of {$7600.00}. <P/>I have called OCWEN numerous times to try to get the difference - which is {$9900.00} - between the required and actual escrow balance, returned to me. So far, OCWEN has refused to return these funds. <P/>It is impossible to get a straightforward, honest answer out of OCWEN. When I call OCWEN I either get someone at their call center in XXXX, who I can not understand, and when I ask to be transferred to the States, I get a millennial child in OCWEN 's so called " customer service '' department, who gives out wrong, incorrect information. <P/>In addition to seeking the {$9900.00} to be returned to me, OCWEN is also holding onto suspense funds of {$6000.00}. Again, it is impossible to get a straightforward, honest answer out of OCWEN as to what this suspense account is for, or how it got to be {$6000.00}. <P/>The last millennial child I spoke with at OCWEN gave me 4 different categories for how the suspense funds are kept, but could n't explain what the 4 different categories are, what they are for, and/or how they got broken down into these 4 categories, etc. <P/>The bottom line is that this {$6000.00} is my money, and together with the amount of the overpaid escrow balance, these funds, which total approximately {$16000.00}, should be immediately returned to me. Again, OCWEN has refused to do that, and that is why I am filing this complaint. <P/>For full disclosure, I am in the 59th month of a 60 month Chapter XXXX bankruptcy reorganization. The excess funds that I have paid OCWEN belong to me, and no one else, and certainly not to OCWEN. My OCWEN mortgage account is current and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Santander Consumer USA Holdings Inc.
State: NC
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with non-monetary relief