BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-25
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I was on a modification and I unsuccessfully was able to pay online I called and never received a phone call because all companies at that time were shutting down and scrambling to put people in place to work from home, so I was cheated out of my first modification and had to reapply. I reapplied and was approved for a new modification that was substantially higher and supposed to start in XXXX but because I was unable to secure my unemployment benefits I was given a 90 day extension which made my start date XX/XX/XXXX. I was told it would be the three payments they same as any other XXXX, XXXX, and XXXX so I started making payments, they call would call me twice a month and at no time was I told that I would be required to make two payments in XXXX Until I called in on XX/XX/XXXX to make my last modification payment and was told that I had to mail the last payment in and that I was to wait until I received the final modification papers, which was odd because I always pay over the phone. I was told I couldn't pay online until the modification was complete but that they wouldn't except it over the phone, then I was told that they sent me a letter in XXXX of XXXX. Someone shows up last wk said the lender sent them because it was reported the house was unoccupied, how ironic. Friday the XXXX I received a phone call from a representative who informed me that they had cancelled the modification for none payment and that I would have to reapplying and that they had no other information for me. Saturday XX/XX/XXXX I received a statement saying that they were requiring a payment in the amount of XXXX towards my loan. This is the second time they have done this to me, I have suffered the loss of a job, I have been sick with the virus and Im still struggling financially but I have managed to make the payments, PHH which is formally Ocwen has really been unprofessional and unresponsive when needing assistance, Im asking for assistance in this matter because this seems to be the way they cheat people out of there somewhat reasonable payments, then they take forever to respond and when they do you owe all this money because you haven't paid waiting on a response from them. Times are hard and people are struggling and im one of those people. If they take my house I will have no place to go, I know that Mortgage companies along with other business have received grants and other forms of monetary assistance in a effort to help people stay in there homes. I also know that all calls are supposed to be recorded for quality assurance and Im asking just that to pull the recordings as proof that know one mentioned anything about double payments. Your assistance would be greatly appreciated, I have been in this house for over 20 years and would hate to loose it because of miscommunication and unprofessionalism. Also the late fees and price gouging is terrible. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The private student loan that I took out with XXXX XXXX has accrued so much interest that it will be difficult to pay it back. The credits did not transfer to other universities. I had to take the same classes over again. I now have to pay back a student loan that was worthless to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 I contacted Afni Inc via certified mail regarding two violations they made. The bill was in the amount of {$1000.00} therefor I sent them an invoice in the amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives ' addresses. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory in nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a  person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX, XXXX, XXXX x 2, XXXX, XXXX XXXX # XXXX x 2, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX My name is : XXXX XXXX - XXXX : XX/XX/1995 - SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX : All other employers listed are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX, XXXX XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2018-07-12
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I made a subscription for an annual service on the site XXXX of U $ S XXXX. The pay was made trough PAYPAL with mine credit card since I don't have a bank account linked to my paypal. 

Then I realized that I chose the wrong option and applied for a refund that XXXX gently manage to cancel the subscription and refund me the same day ( XX/XX/XXXX ). 

Unfortunately, the refund didn't go to my credit card but yes to my paypal balance because of an " issue '' of the system. 

I contacted to customer support on XX/XX/XXXX and until today they didn't refund me my money to my credit card balance and I've already paid to my bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/18 ordered {$140.00} from XXXX  XXXX and returned {$140.00}. I used a discount code and was returned a gift card instead of returning the full amount to the card that I used to originally purchase the items. I contacted XXXX XX/XX/18 when noticing I owed {$30.00}. The company assured me the mishap would be cleared up. I called commenity bank and the company did not see the updated information. I called XXXX again and was assured the error would be corrected in 48hrs. I still have not had anything changed on my account and now am receiving notifications that my credit lines have been decreased for a delinquent account. I have contacted bother parts of the company and no longer know what to do to rectify the situation since neither ends seem to be matching up. I have never not paid any of my bills and have paid my card with XXXX off always within the 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This has been a very long stressful 7 years fighting to save my home. After fighting throughout these years in and out of court the only way I could stop the wrongful foreclosure was to file for bankruptcy. I finally had my day in court to provide proof I have made all my payments and was not delinquent on my payments and the only payments I owed were all the payments that were returned back to me by the bank. As you can see on the attachments the judge ruled in our favor. I have recently requested for a payoff, so I can leave this financial institution and I had to request twice thru my attorney and had to send a request in writing thru registered receipt and it took over two months to finally receive the request. And the payoff is incorrect! They are currently charging me for bankruptcy fees and cost, when they are the reason I had to file to begin with because they gave me no choice, it was the only way to stop the wrongful foreclosure! Also, throughout these years, even when the account was with XXXX, I have had an overage on my Escrow and this payoff does not reflect that overage. M & T Bank is holding a claims payment from the insurance to repair our roof for {$13000.00} that is not reflecting on this payoff. The statements I have been receiving is reflecting I am late on my payments again..how many more times are they going to do this and when will the harassment stop! I am current and I have all the cashed checks to provide proof if needed ( there are too many to attach, but I will provide them upon request ).

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 2021-04-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid off a loan with First third bank back in around a year and some months, verified with reps at the bank, call them a couple times, they claimed because the pandemic situation will take longer for me to get the title then after all this time they start to call me every day leaving messages that I still have an outstanding balance of around {$170.00}, so I call them I dispute this situation, asking me to wait for 10 days in order for them to do an investigation, harassing phone calls still taking place, asked to do not call, they said that they wont stop, finally today a collector before I paid him, told me that he will remove my number, this put my job in jeopardy, again today after I paid they can tell me when I will get my title, this is fraud!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Guild Mortgage Company LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted a refinance application with Guild Mortgage who holds my current mortgage to lower my interest rate on XX/XX/XXXX. They made multiple errors in calculating my XXXX which I went over with the loan officer, XXXX XXXX, on XXXX. He agreed there were multiple errors and my XXXX was actually very low. I called him on or around XX/XX/XXXX because I has still not heard back and he told me I now had to submit XXXX tax return because we had gone into the new year even though it was too early in the year to have that return done. I complained to their corporate dept on or around XX/XX/XXXX. They officially rejected the loan XX/XX/XXXX based on these errors. I again complained about their decision as soon as I received their determination XX/XX/XXXX. I followed up multiple times with Guild, including communication with XXXX XXXX. I still have not been able to go over the loan errors with anyone and have them reverse their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, 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:
have to late payments XXXX XXXX first premier and XXXX XXXX XXXX  XXXX sent dispute directly to both companies and dispute wiyh all three credit buearus its been past 30 days no statement from companies have been submitted to credit buearus and buearu did not remove also a have 2 XXXX federal accounts that transunion hasn't removed please remove under the ftc report on those two accounts under the 605 act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I XXXX  money to a fraudulent company. I reported within 48 hours, it Was a weekend so I had to wait. It was in the amount of XXXX and it was sent XX/XX/2020. The name of the website is XXXX and the money was sent to 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 explanation
Consumer complaint received 2018-10-04
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls everyday in excess of 10 times starting at XXXX XXXX until XXXX XXXX. Calls from different numbers, as well as blocked and unknown numbers. They also send texts to my phone once or twice a week. This company only has one number on file for me, but they have called my parents house ( who I do not live with ), and have on at least one occasion called my brothers cell phone ( whose number I dont even have ). They have left rambling messages in broken English and mumbling about vague legal, or police actions actions against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good Day I 've sent a letter regarding this matters and some of this has been handled however this is n't my problem. This issues are the duplication of pulled inquires on my credit report. I 've sent XXXX this information over numerous times but have not verified anything with me. I receive a letter from XXXX  stating they have verified everything but never sent me anything from the companies. I 'm extremely frustrated with this matter. This will be a on going process if XXXX does not handle things on their end. I 've submitted something on the XXXX XXXX, XXXX XXXX, XXXX XXXX and now XXXX XXXX. These are the companies : XXXX XXXX XXXX X/X/2016 and X/XX/2016 XXXX XXXX XXXX XXXX : X/XX/2016, X/XX/2016, X/XX/2016 XXXX XXXX : X/XX/2016, X/X/2016 XXXX XXXX : X/XX/2016, X/X/2016, X/XX/2016, X/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX-XXXX-18 made purchase at best buy of XXXX. 6 mo no interest if got their card. they sent card, went online set up my account. on XXXX-XXXX-18 i made a payment of XXXX. It said my due date was XXXX-XXXX-18. Paid the payment before due date. On XXXX-XXXX-18 i went online to pay the balance and they had assessed a XXXX late fee. they told me I paid the account too eatly. My Statement dated XXXX-XXXX-18 said my balabce was XXXX, my due date was XXXX-XXXX-18, I paid XXXX on XXXX-XXXX-18 so made no sense. after dealinf with a chat person who said they would waivee the fee, they did not. if i wanted to pay off my account i had to pay thier fee. several time they tols me wold waive fee but did not. i was forces to pay the extra XXXX and paid off the account on XXXX-XXXX-18. statement is attached which documents everything how can they charge me a XXXX late fee when they show i paid XXXX before the due date. attached is the XXXX-XXXX-18 statement - shows next due date XXXX-XXXX-18 and XXXX balance. it shows payment made on XXXX-XXXX-18 ( before the XXXX-XXXX-18 due date and the payment i was forced to pay to pay off the account where they force me to pay this bogus and erroneous fee. I have demanded the acct be closed and a refund of the fee- they seem to feel the fee is valid stating i paid it too early?? but thier statement shows different

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 2021-01-27
Company: BARCLAYS BANK DELAWARE
State: MA
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:
Barclays Bank Delaware is reporting an account under my name that is derogatory on my credit file. I have sent numerous certified mailings to show ID theft ( FTC fraud report, police report ) and they have yet to remove the account. I have asked several times for them to provide me with my signature showing that it is mine- they can't do that because it's not mine, yet they will not remove it from my credit file.

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 2022-08-05
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The credit reporting agency Equifax began reporting two accounts from XXXX XXXX XXXX in XX/XX/XXXX that were paid off with the new servicing agency XXXX. My XXXX loans had been transferred to XXXX on or about XX/XX/XXXX and then the loans were transferred to XXXX on or around XX/XX/XXXX. 

I then proceeded to pay off three of my loans ending with account # XXXX XXXX, XXXX, and XXXX that were now with XXXX. Starting in XX/XX/XXXX Equifax then began to report that account # s ending in XXXX and XXXX were still open with XXXX XXXXXXXX XXXX. After having disputed the information and report that the accounts were paid off, Eqiufax continues to report that the information is " accurate '' and refuses to remove these duplicate accounts from my credit report. 

I have attached a copy of the latest dispute I made with Eqifux in which they again reported that the accounts are accurate. I have also attached the correspondense from XXXX XXXX XXXX in which they said that they will no longer be servicing my loans. Lastly, I have also provided documentation from XXXX saying that these accounts are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no idea who or what this is. Never received a bill never received a phone call or any correspondence what so ever. I just found in on my credit report and have no idea what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The inquiries listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below as a result. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2020-05-20
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

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 2018-07-12
Company: EQUIFAX, INC.
State: MO
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:
After sending at least 3 or more letters to this credit bureau. I have send Equifax several letters regarding inquires that were not appointed by me. Regarding the following companies : ( 1 ) .-XXXX XXXX-XX/XX/2018 ( 2 ) .-XXXX XXXX-XX/XX/2018 - ( 3 ) CXXXX XXXX-XX/XX/2018. The last letter send certified with tracking number XXXX   XXXX XXXX XXXX XXXX in which was received on XX/XX/2018 by Equifax and they have ignored my letter. These inquires were not appointed by me. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please note that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these companies bearing my signature. I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.

Company response to consumer: Closed with explanation