BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have an escrow account with OCWEN on our home loan to pay tax and insurance. It is a new loan and we forgot they pay our taxes and we paid the County the taxes. When OCWEN sent tax payment to County the payment was returned to OCWEN because the tax bill ( {$2300.00} ) had been paid. We contacted OCWEN to get refunded this overpayment, which sits in our escrow account. They refuse and instead say they are making an adjustment which is actually charging us MORE each month for 49 months ( see attached letter )! It makes no sense. We do NOT want to have an adjustment on our monthly escrow to absorb this overpayment, we want a simple refund so it is not confusing, plus {$2300.00} is a LOT of money to us and we need to be reimbursed.We need our money!

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 2019-05-31
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Enhanced Recovery {$1300.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. XXXX XXXX fail to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with  Certified mail receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. 
I disputed this matter to this company onXX/XX/XXXX, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : XXXX XXXX XXXX XXXX Amount : {$750.00} -- - opened :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 2020-08-29
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We made a normal payment as well as a principal reduction payment. The total was XXXX. XXXX or so was to go to the normal XXXX payment and the remainder was to go to principal reduction. Instead they put the remainder to the XXXX payment and only a few thousand to principal reduction. This cancelled a lot of the principal that we were trying to pay down as well as insuring that we paid way more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Over the past several years, Portfolio Recovery Associates, LLC has been calling me and sending me my personal information ( name, social security number, bank account numbers ) by mail. I have sent two cease and desist letters. I have also made numerous attempts and requests to not be contacted further via phone and email. They have attempted to call me while driving, at work, and at home. They denied receiving any cease and desist letter. I believe that they are trying to get me to send a letter that might re-open their statute of limitations on collecting this alleged debt. The statute of limitations should be over ( the debt originated sometime betweenXX/XX/XXXX-XX/XX/XXXX, as far as I recall. ). I reported this as fraud. It has been removed from all credit reports. The alleged debt amount is unable to be collected otherwise ( IRS, small claims, etc. ) since it is extremely small. I feel I have been harassed for years over a fraudulent claim and an alleged debt that is less than {$200.00}. I will be contacting Consumer Financial Protection Bureau and the California Attorney General 's Office to make a formal complaint and ask for an investigation as to whether Porfolio Recovery Associates, LLC is abiding by The Fair Debt Collection Practices Act. Thank you for your time and consideration in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Re : Follow up CFPB Complaint ID : XXXX I'm unsure why my claim couldn't be substantiated but in reaching out to customer service they indeed confirmed my acceptance of the invitation ( XXXX ). Additionally, I've appended the offer letter and supporting documents for your review. If a recording or transcripts of the conversations are necessary we can work with our third party verification services provider to furnish upon request. 

For reference, my description of events are as follows : In the first quarter of 2020 I received an offer to upgrade from the American Express Green Card to its Gold Card. As part of the offer they included a number of Travel Benefits and credits that were to be applied within subsequent billing cycles. Additionally, their annual membership fee was to be pro-rated to reflect the existing membership fee payments and number of months remaining in the year. I accepted the upgrade offer but unfortunately the benefits and adjustments were never applied as promised and the resulting changes to my account didn't take place as described. It turned out that the representative I spoke with was part of an outsourced support effort specific to the travel offer and misinformed me about the program details. I spent the next several billing cycles attempting to correct the issue - having fees reversed and comparable adjustments applied. However I was assessed a penalty APR rate that began in XXXX which was finally lifted in XXXX of this year. All the while I've been informed that a credit adjustment for the difference in what would have been my standard ARP and this penalty APR would be made. I've made a number of attempts every month since to have this corrected - opening a number of cases with Customer Care only to have no follow up or resolution and ending with a representative pointing me to the Cardmembers Agreement with what appears to be no review of the history or details of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Paypal Holdings, Inc
State: NC
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/2020 I tried to purchase a swimming pool ladder. The vendor was XXXX they were using PayPal as method of payment. The advertised price was XXXX. After providing my credit card information I was given no receipt or tracking number. I them checked my credit card and was charged XXXX. I contacted paypal to report fraud. I also contacted XXXX XXXX to report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-29
Company: EQUIFAX, INC.
State: ID
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:
I have disputed information on my credit report. I have proof that numerous items are not valid, have incorrect information, are showing incorrectly, that are being reported incorrectly, the debt is not legal or valid, previously disputed items that have been acknowledged as removed by the bureau is still reporting on my account. 

The agencies refuse to remove properly disputed information that had been proven as not legal or valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: UT
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: Was not notified of investigation status or results

Complaint:
I have been disputing items on my credit report with all 3 of the bureaus and NONE of them have responded to me. I sent letters as far back as XXXX and have yet to receive a single correspondence from them for those disputes I did. I understand that there is a delay due to the pandemic but we are all going through it and under the law they still have to respond! There are still inaccurate items on my credit file that need to be removed and I need them to do their part and remove the items I have disputed 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 2018-02-03
Company: JNR Adjustment Company, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX hires a third party to bury lines on ones property for the purpose of having fiber optic lines. The problem with this is that these companies do a poor job of actually burying the lines. They come out with a machine that digs a hole so that another person can bury the lines that follows behind them. However next to the house the lines are only a few inches deep and they pay no attention to that. Animals can dig up these lines because you can actually see them. I sent pictures to XXXX XXXX XXXX and complained about this but what do they do? They send me a bill because of the sloppy work done on my property. This was the THIRD time they had to bury these lines. Next door new property cut the lines installing sprinkler systems when they were only a inch below the ground. Why can't they place PVC pipe ( very inexpensive ) on these lines instead a sending a bill to the homeowner. I still have no idea where the lines are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: EQUIFAX, INC.
State: MD
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:
In XX/XX/XXXX, I closed XXXX account XXXX  when XXXX refused to remove a {$27.00} late charge on a {$42.00} bill for a 28-year customer. I asked XXXX to send me a final bill, which they did not. Instead, unbeknownst to me, XXXX  kept my online account open and kept posting bills and bogus late fees to it. When XXXX finally contacted me directly on XX/XX/XXXX, I promptly paid the {$52.00} bill and XXXX waived all the bogus late fees. XXXX, XXXX, and Equifax refuse to remove the transactions from XX/XX/XXXX to XX/XX/XXXX even though they are the bogus late fees that even XXXX removed. This has taken my credit score from XXXX in XX/XX/XXXX to XXXX today ( XX/XX/XXXX ). I have already been denied one credit card based on these bogus charges. Basically, I had no notice of the bogus late fees from XX/XX/XXXX to XX/XX/XXXX. The dispute numbers with XXXX, XXXX, and Equifax are XXXX XXXX XXXX, XXXX, and XXXX, respectively. Attached is the XX/XX/XXXX XXXX statement, posted to my online account after I closed my account in XX/XX/XXXX, showing the final {$52.00} bill and my FICO score of XXXX. I was unaware of this bill until XXXX called me on XX/XX/XXXX, reasonably thinking that my online account was closed along with my credit card in XX/XX/XXXX. Also attached is the current XXXX statement showing that XXXX   waived all late fees and my current FICO score of XXXX. Note the mistaken {$0.00} that XXXX   refunded my account in XX/XX/XXXX and then charged back in XX/XX/XXXX showing how dangerous leaving this account open is to consumers. XXXX, XXXX, and Equifax dispute results are additionally attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2019 a hard inquiry was placed on my account from a XXXX company. I've never applied or contacted this company before today. I called them to get more information about their company and why they were attempting to use my credit. I think someone has tried to use my identity

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 2019-02-28
Company: Bushwood Capital Group, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call from ( XXXX ) XXXX to call ( XXXX ) XXXX Bushwood Capital about ( as thats what was left on the voicemail. ) It was the 1st call Ive received from them ever. When I called I spoke to XXXX XXXX and XXXX XXXX. XXXX XXXX was treating me to make decision on the actual today with me receiving validation or notice of the debt. I asked that he send a letter in the mail as email address I did not want to provide email as I did not know if they are scammers. Then after I spoke to XXXX I was transferred to XXXX. Same thing. Very aggressive and harassing me to make a decision today on an account I didnt know about. I did update my address but they said the will put down that I was unwilling to pay the debt, which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: UT
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: Was not notified of investigation status or results

Complaint:
I have been disputing items on my credit report with all 3 of the bureaus and NONE of them have responded to me. I sent letters as far back as XXXX and have yet to receive a single correspondence from them for those disputes I did. I understand that there is a delay due to the pandemic but we are all going through it and under the law they still have to respond! There are still inaccurate items on my credit file that need to be removed and I need them to do their part and remove the items I have disputed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Toyota financiaXXXX account XXXX had reported in my credit bureau that I was passed due 30 days for the month of XXXX when I have never been late I have always even pay more. Please help, my credit has gone down almost 50 points for their error I have so hard to maintain my credit in high score and now this happen. First they incorrectly reported my balance I had dispute that with XXXX  and than they reported me delinquent for XX/XX/2021. I have reached out to them and they are being difficult to fix error they did. Please I need that completely erase from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Alliant Capital Management LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Billing Department Alliant Capital Management XXXX  Phone : XXXX Fax : XXXX This company harassed, bullied, tried to intimidate me, and threatened me XX/XX/19. I have no idea who they are. They said I worked for XXXX, I never worked for them. I said I am XXXX. They said they will report me to XXXX. Said I can't double dip. I have no idea what they are talking about. My case is on appeal. I am not receiving anything yet. Basically, all the things he said was not true, and he was not listening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Navient Solutions, LLC.
State: OH
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 had this problem for over a year now ... Every time I make a payment, despite having my profile indicate that I want payments to advance the next payment due date ; this is not happening. The due date is only advanced after I call the lender and not automatically with my payment as requested. They know this is an ongoing issue and have still not fixed the problem ( despite being told each month that it has been fixed ). 

When they adjust the payment, for some reason, they also adjust the amounts applied to interest and to principle -- making transparency of how my payments are being applied close to impossible. Why would the amount of interest and principle paid change because the due date was adjusted?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Frontline Asset Strategies, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Frontline has infringed up my rights to privcy as a consumer. They are in violation of the following sections of the Fair Debt Collection Practices Act.

1. 1692b ( 2 ) 2. 1692 ( a ) 3. 1692b ( 5 ) 4. 1692 ( d ) 5. 1692 ( d ) 2 6. 1692g ( c ) 7. 1692e ( 14 ) 8. 1692c ( a ) ( 1 ) 9. 1692c ( a ) ( 3 ) 10. 1692c ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A mortgage held with OCWEN Loan Servicing was paid off by my credit union. At the same time OCWEN withdrew the next payment from my bank, although that amount was included in the payoff. 

The credit union contacted OCWEN who acknowledged they were holding funds not due to them, and said they would try to expedite the return of the money. 

Two weeks later, with no funds received back, I contacted OCWEN, received a huge run around, and finally I was told they would send my funds back after 20 business days had passed. They knew the amount due two weeks ago, but would still hold them until they elected to send them back. They couldn't provide me with any document I had signed authorizing that delay, could not show me a notice I had signed indicating that funds could still be withdrawn, though not due, until I notified them to stop taking money from my bank, and they could not provide me with any legal reference that allowed them to continue holding my funds. Finally, they refused to make any effort to expedite (? ) the return of my funds. 

The amount due back is {$1400.00}. I discussed this with employee ID XXXX, who told me there was no record of a contact on theXX/XX/XXXX, and XXXX who had full documentation of that conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Shellpoint Partners, LLC
State: VA
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:
Reported missing payments on house loan. 
Company 's name NewRez. 
Address XXXX XXXX XXXX XXXX XXXX MI XXXX Phone # XXXX Fax # XXXX I have auto debit bi weekly payment since i have this Mortgage Loan. 
They reported i miss the payment 3 times in six months. 
Its totally incorrect. 
I file dispute with them on XX/XX/2020 and after 30 days they send me letter saying will take more time not mentioned any period. they dont allow me to talk to Manager or supervisor about this matter. Even not provide name of them or ext. no for them. I am trying to refinance to get lower rate but i am suffering due to this reason no finance co. accepting our application.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation