BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-16
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Mortgage Service recently transferred our loan to PHH Mortgage CompanyXX/XX/XXXX, I was on a biweekly pay option paying every 2 weeks for my mortgage. 
I am a paying customer and have never been behind with my mortgage. 

When our loan was transferred to PHH mortgage, there was one payment left in suspense because PHH mortgage did not correctly process the Bi-weekly transfer option. 

I contacted PHH to on XX/XX/19 to see if I could maintain the bi-weekly option, I paid the XXXX payment of {$1200.00} on XX/XX/19 ( XXXX payment ) and they advised me that I needed to pay an additional {$620.00} ( Paid XX/XX/19 ) to cover the mortgage for XXXX and the suspense payment ( {$620.00} ) -pending from Ocwen because it was bi-weekly ... .would bring the account current for XXXX. I submitted XXXX XXXX info and 5 days later i contacted PHH mortgage to confirm if they received ... .They advised me they did receive and the payment of the XXXX XXXX-suspense payment and the payment of {$620.00} processed on XX/XX/19 was applied to principle in error and they will submit it to be corrected. I then call on XX/XX/19 -- -waited online and was transferred call was disconnected. Called back spoke with someone and they transferred me to supervisor line on hold 15 mins-call disconnected. Called at XXXX and spoke with a person who transferred again to a Lady that was yawning on the phone when I started explaining issue! ARE YOU KIDDING ME!!!!! I recorded all calls from XX/XX/19 ... .A relationship manager is suppose to call me within 48 hours ... .The CFPB will be contacted if this is not resolved. To add insult to injury PHH also drafted the full payment of {$1200.00} on XX/XX/19 -- -which I was told this was gon na be the XXXX payment of {$620.00} towards XXXX payment- ( So you drafted XXXX payment in XXXX and applied XXXX payment to the principle ) THE WORST EXPERIENCE EVER after speaking with person on XX/XX/19 at XXXX she advised me there is no bi-weekly option its just allows you to draft full amount on a day of your choice thru the XXXX ... ..SMH but I was told XXXX XX/XX/19 I was setup for the bi-weekly option which she said was XXXX option and I was all set!!!! THE WORST EXPERIENCE EVER!!! If I do not receive a call I will be seeking LEGAL ACTION! anyone else having issues please contact Consumer Financial Protection Bureau ( CFPB ).

www.consumerfinance.gov/complaint/ FYI ... ..The company does not answer phone calls without waiting over 30 minutes- ( There is a loud Static noise while holding on the line, probably there to make you hang up ... I did advised them when I called about this.. 
The customer service reps are not knowledgeable about the services or anything when it comes to your mortgage account .... 

I will be refinancing with another lender asap to avoid doing business with them for much longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This isn't mine

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 2019-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX 2 of my credit cards were hacked and sent to fraudulent individual. I called immediately on XX/XX/XXXX, spent an hour on the phone. They did nothing and on XX/XX/XXXX charges were made for cash advances. In the 20+ years with this company I have never made a cash withdrawal and they didnt find it suspicious. I called back on XX/XX/XXXX to again report the fraud and attemp to lock my accounts. Still got it wrong. I called again on XX/XX/XXXX and now all 3 cards are locked 10 days after reporting the fraud. Capital one does not have the ability to protect me from fraud and breached their fiduciary responsibility to me. They dont process information correctly to protect me, allowed fraudulent charges due to their negligence and my account is still available to accessible online so now I have to make call # 4. Completely unacceptable and moving all debt from this company as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Prosper Marketplace, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Fixed interest rate of 15.41 % flucuates frequently. At 15.41 % Fixed, interest should calcuLatE to no more than {$100.00}. 
HOW ARE THE amountS of interest in excess of {$200.00} per month or from {$90.00} to {$250.00} a month GOING TOWARDS INTEREST? Clarify these amountS and where is the rest of the money going??? My payment are {$690.00} a month and and you deduct {$700.00} every month where is the credit of {$2.00} going as well as the miscalculation in a fixed interest RATE OF 15.41 %???????????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2019-07-16
Company: Experian Information Solutions Inc.
State: MI
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:
After carefully looking over my credit report I ran across several items that are reporting incorrectly on my credit report. I then called Experian and they refused to remove the items because they claim a creditor is reporting it that way. But I told them it is incorrect and they refused. I even went online and disputed this with Experian as well and it will not give you the option to dispute on their website because they are claiming these items are reported. they are reporting inaccurate, unverified, untrue information on my credit report. Causing severe damage, stress, and mentally draining me. I am attaching my letter to this claim that I have submitted to Experian as well.

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 2020-11-13
Company: EQUIFAX, INC.
State: CA
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 recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. 
I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I submitted cease and desist orders to the collection agency and they have not complied with the order and is in violation of FDCPA regulations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.

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 2019-01-17
Company: Caliber Home Loans, Inc.
State: CA
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 taxes impounded on my mortgage which makes my monthly payment XXXX higher than my principal & interest payment. 

By law or regulation what is supposed to be reported to the credit bureaus? P & I or P & I & impound? 

I understood it to be the LOAN payment ( P & I ) that should be reported. 

XXXX ad Caliber confirmed on the phone that it's " up to the lender '' to report what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Santander Consumer USA Holdings Inc.
State: AR
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 have auto inquiries on my credit score that I never gave my consent to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Since XX/XX/XXXX, I have tried to communicate with Citi regarding the high fees of my credit card ( 19 % ). I explained that I am retired, very ill with serious medical issues and billing, living only on social security income and have been a loyal member with no issues since XXXX. They informed me that I should call after the holidays to request a lowered interest rate. Then COVID19 happened and things became very dire for me and my family. Job loss of  relatives who would help with my bills and so many other issues. I called Citibank every day the week of XX/XX/XXXX and was placed on hold for 2 hours each day. The calls would automatically end every time after waiting for two hours. I called early morning, late at night - and throughout the day hoping to get a slow time. I went on the website, communicated with the automated thing and received another number to call. But it was the same result - hang-ups, or " we can't help you, call this other number. '' I called the other number and long wait times. I went on the website again and requested assistance due to COVID. They said they would contact me after 7 days. They have not done so and I have been making weekly calls and messages on the app or website ( one or a combination of the other ). This has been abusive. My bill is now three times what it was previously and I can't pay. I am XXXX years old. Help!

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 monetary relief
Consumer complaint received 2019-01-17
Company: AES/PHEAA
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Beginning XX/XX/XXXX and into XX/XX/XXXXXX/XX/XXXX XXXX began billing me without notifying me or sending me any bills. They did not call me, they did not email me, they did not send physical mail. I found out about the billing due to a 200+ drop in my credit score. I contacted XXXX through a conference call with XXXX  XXXX XXXX. When I told the XXXX Representative what had happened he was unable to provide me with any other information other than " we contacted you through your inbox ''. Upon informing him that I have not received any emails from XXXX he repeated the same statement over and over until he mentioned they were notifying me through their own messaging account system on the XXXX website. I did not have an account active on the XXXX website at the time of the billing period, therefore I never received any notifications. If there was an account under my name active on XXXX 's server it was created without my authorization or my knowing. I rated XXXX on the XXXX   website and they sent an unsolicited letter to my place of residence stating they were in the right and could not ethically reverse the negative reporting. I contacted XXXX on XX/XX/XXXX requesting an investigation, to which, they never replied. According to the Fair Credit Reporting Act XXXX can submit a revision to the Credit Bureau removing the negative reports from my credit report. I also know, under the FCRA, I can file for an investigation in dispute of XXXX 's error directly with the Credit Bureau with or without legal representation. The error being in violation of the Fair Credit Billing Act, XXXX did not properly contact me regarding my billing and therefore all submitted overdue debts were submitted in error. According to the FCRA XXXX is also obligated to resolve this matter and report back to me within 30 days. All of which XXXX has failed to do. Upon filling this complaint I tried to gather my billing statements and other information on my current XXXX web account, but all of the billing I did not know about have been removed by XXXX, but the delinquent credit report they submitted has not been removed from my credit report. They are clearly aware of the issue -or- have attempted to hide the problem preventing any possible reporting to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America has debited my checking account XXXX putting it in the negitave of course. All I get is something about fraud being investigated, just two weeks prior I reported a double charge from XXXX XXXX. I'm frozen out from my account and freaked ... every penny I have is there. Thanks for any help 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 monetary relief
Consumer complaint received 2019-01-17
Company: TD BANK US HOLDING COMPANY
State: FL
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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX TD/XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I just received a ReliaCard in the mail today. I never requested this and I contacted US Bank and asked them to cancel this account. They informed me to filed a complaint and notify the proper authorities. I did not call the number on the card or use the web site provided. I actually found an article from XXXX Colorado that was explaining this fraud issue and the article provided a valid number.

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 2020-06-25
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX # XXXX. 

Bought the Card in late XXXX. Visa gift card was compromised. On XX/XX/XXXX I got an email saying that a replacement card would be sent out within a maximum of 15 business days. It has now been 20 business days and I still have not received the replacement card. Their customer service is awful. Never do business with the black hawk network card carriers. Absolute crooks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29
Company: GREAT LAKES
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have student loans through Great Lakes Educational Loan Services. On XX/XX/2019, I submitted a custom payment ( on top of my monthly due of {$700.00} ) to pay off the balance of a loan ( token 25 ) in the amount of {$1100.00}. This money was misallocated and divided across my other loans. 

On XX/XX/XXXX, I tried to pay off the balance of Loan # 25 again, along with another loan ( token 19 ) in the amounts of {$650.00} ( for # 25 ) and {$280.00} ( for # 19 ). I have proof of these requests in my account, however, the payments were still missallocated and distributed to other loans. This is causing me a lot of stress as I want to pay off my loans and stop adding interest but they aren't allowing me to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: MO
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:
HELLO, MY NAME IS XXXX XXXX XXXX, AND I AM A VICTIMOF IDENTITY THEFT SOMEONE BROKE INTO MY HEHICLE WHILE AT A COMNVENTION IN XXXX. THEY STOLE MY WALLET ALONG WITH PERSONAL INFORMATION MY ID AND SOC, I, IAL SECURITY CARD, INCLUDING MY LAPTOP. BECAUSE OF THIS CHILD SUPPORT IS TAKING MONEY OUT OF MY PAYROLL, I HAVE TAKEN CARE OF IT IN THE PAST, BUT CHILD SUPPORT IS REAPPEARING ON MY CREDIT FILE. I JUST HAPPENED TO HAVE A COPY OF MY ID AND SOCIAL. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME> XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX/XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX/XXXX XXXX  OPENED : XX/XX/XXXX AMT.XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX/XXXX XXXX   XXXX XXXX  XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX XXXX XXXX  OPRNRD : XX/XX/XXXX AMT. XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : EQUIFAX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AUTOMOTIVE XXXX XX/XX/XXXX THIS PROBLEM HAS BEEN GOING ON SINCE XXXX, I NEVER CHECKED MY CREDIT REPORT.

Company response to consumer: Closed with explanation