BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX XXXX XXXX XXXX in violation of CFPB Consumer Laws and Regulations CFPB Deceptive Acts or Practices Definition : ( XXXX ) The representation, omission, act, or practice misleads or is likely to mislead the consumer. 
Loan Type : XXXX XXXX XXXX XXXX Claim No. 
Complaint : We received a loss draft insurance check in the amount of {$33000.00} from our XXXX XXXX for internal home water flood repairs that occurred on XX/XX/XXXX. Check was issued to both us, and PHH Mortgage Services and requires signatures from both parties. On XX/XX/XXXX, I spoke with XXXX, a PHH Mortgage Officer in regard to having the check endorsed and she informed me that any amount under $ XXXX would be endorsed & released in full by PHH. Per XXXX 's instructions, I forwarded the check to PHH Mortgage Services, Attn : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX for endorsement. 
PHH received the check on XX/XX/XXXX, and refused to endorse and returned it unendorsed. On XX/XX/XXXX, I spoke with XXXX, also a PHH Mortgage Officer inquiring on XXXX endorsement refusal and she confirmed all loss drafts under $ XXXX would be endorsed a & released. Again, on XX/XX/XXXX, I spoke with XXXX, another PHH Mortgage Officer and she also confirmed that under $ XXXX statements were accurate. Finally on XX/XX/XXXX, I spoke with XXXX, another PHH Mortgage XXXX and he confirmed through XXXX XXXX XXXX monitored for quality assurance and training purposes, confirmed that the statements made by PHH Officers XXXX, XXXX, and XXXX were indeed made. Upon this confirmation by PHH Officer XXXX, I again forwarded the check to PHH for endorsement which they received on XX/XX/XXXX, and once again was denied and returned unendorsed. 
This act of verbally misleading us is considered a deceptive act and is in violation of federal and state laws and regulations, that have caused my family much XXXX XXXX XXXX XXXX XXXX. Here we are today XX/XX/XXXX, over XXXX months after the fact and after uncountable and numerous phone call conversations, written letters, and pleading with PHH officers on the urgency of our situation, we are still inconvenienced without completion of repairs. 
PHH Mortgage Services has a history of numerous unethical violations that have harmed consumers as this article exemplifies ; CFPB Takes Action Against PHH Corporation for Mortgage XXXX XXXX, dated XX/XX/XXXX. 
Summary As long-established homeowners of this property, our objective is to facilitate the long-delayed repairs, avoid any further PHH violations, have the necessary funds on hand to complete the repairs, get our family home back to normal, and upon completion grant PHH Mortgage Services access for final inspection and approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Experian Information Solutions 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 full faith and credit from the department of state. See Im attached documents I want all negative items and hard inquiries removed from my report. 

15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution 12 U.S. Code 411. Issuance to reserve banks ; nature of obligation ; redemption Article 1 section 10 United States America republic constitution

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 2022-12-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report 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 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

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 2021-12-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXXXXXX XXXX XXXX-XXXX-Balance {$310.00} XXXX XXXX XXXXXXXX-Balance {$5000.00} XXXX XXXXXXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require deletions. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-15
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The value of my property increased since 2018, when we bought it. Their website estimates my value at XXXXkand most online info is the same. Stats show average sale price in my subdivision is XXXX. Because of this, when I considered refinancing, their officer waived the appraisal. I called the same company about simply removing the PMI. I was told by rep1 that a review must be done to confirm a value of at least XXXX. I was told no inside review was required, there would be a drive by and I had to pay XXXX for it. I did so- then I was told later by the reviewer that he had to come inside. I then spoke to rep2 at their company, he confirmed they are not doing inside reviews during the pandemic. He tried to find out why there was a switch up with me. He later said he was told an inside review was required for me, although the company has not been doing this. No missed payments, we pay on time each month. Data shows house is well over XXXX in value- the same company was waiving an appraisal for refinance- but, although others have not had inside reviews during the pandemic, I was told today by a manager, XXXX XXXX , that an inside review is required for me. Some type of discrimination is involved. If others have not had it, especially in light of the clear increase in my property value and the pandemic, why is it required for us?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting act convergent accounts : XXXX XXXX Vacations, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-06
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I contacted Experian twice about an incorrect account on my credit report. 

Experian is reporting that I have a collection account with XXXX XXXX XXXX XXXX, original creditor being XXXX XXXX XXXX I explained to Experian in detail that I dont know who XXXX XXXX XXXX is and that I have never opened an account with them. 

I submitted two dispute with Experian requesting them to remove this account, first dispute in early XXXX and a second dispute later in XXXX after the closed out my initial dispute. 

Additionally, I requested documentation from Experian on their debt verification method with both disputes. 

Experian has not provided me their debt verification method after either of the disputes. 

I filed a police report with the XXXX Police Department and provided it to Experian. The police report detailed the fact that I have never done business with XXXX XXXX XXXX, yet Experian insist on keep this account on my credit profile. 

Additionally Experian refuses to provide me their debt verification method, as is required by law. 

I plan to sue Experian for the damages they have cause me, and this complaint with CFPB is the first step in the legal action.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus stated my account was properly investigated but how Is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This ground for removal they also violated my rights under 15usc 1681 section 602 15 usc 1681 section 604 A section 2 also the credit bureaus took more than 30 days to complete my investigations

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 2021-12-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I lost my card and they refuse to issue replacement card when I called customer service they tell me they cant issue new card that they need to change entire account number horribke experience BEVAUSE I have exhausted all card number I need a replacement and their refusing to issue me one give me hard time what type of customer service is this then their was fraud charges transactions made on the card I lost they never reimbursed me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15
Company: KEYCORP
State: WV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/XXXX Received account letter from KeyBank in prior legal name of XXXX. I have a legal name change. I further contacted KeyBank for the 3rd time ( I kept notes. 1st time on XX/XX/XXXX, 2nd on XX/XX/XXXX ) to close this inactive account in the wrong legal name of which the new card mailed was never even activated by me. I contact KeyBank and was informed that I can not close a prepaid benefit account and that it must be handled by the benefit provider ( who in this case is WV XXXX XXXX XXXXt Bureau ). I again contacted the WV XXXX XXXX XXXX requesting the KeyBank account be closed again this year. My children are all adults and there will be no need for any future services. The account has had a zero balance since XX/XX/XXXX. WV XXXX no longer services the KeyBank account as their vendor has changed. No funds will ever be deposited to the benefits account as confirmed on the WV XXXX XXXX XXXX website and the funds are not transferable to their new vendor. I do not want an open account in my name that further contains my personal information in case there is ever some sort of breach of KeyBank. It should not be this difficult to close an account that is stale for this long! There should be a policy protecting individuals and inactivity of an account should not be left open for fear of fraudulent activity that could somehow occur with an account I no longer monitor or even have access and I no longer have the actual account card in my possession but have been unable to CLOSE the account myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've recently come across some negative charge off accounts on my credit report that I was unaware of, and I find it hard to believe that these accounts were posted without my knowledge. Thus, I'm reaching out, because I need your help in removing these four misleading and incorrect accounts promptly. 

Let me tell you that I never had any outstanding balances on these accounts. Moreso, I never authorized anyone to include these items in my credit report. These entries don't even reflect my current financial status or situation. 

XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX I trust XXXX you can assist me in the removal of these incorrect items and have them corrected right away.

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 2023-04-25
Company: JPMORGAN CHASE & CO.
State: OH
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:
I had scammer hack into my checking account from chase bank ending in XXXX and reverse some charges I never got and alert from chase I disputed the charges but chase said XXXX XXXX  was a third party and there is nothing they could do about it and sent the money to XXXX XXXX  to an account that didnt belong to me the scammer created an account in my name and took the money tried to explain to XXXX XXXX what happen and they said because I did so many XXXX XXXX they felt like these where authorize charges the never investigated they just assume because I used XXXX XXXX alot the charges was authorize this has cause my rent checks to bounce and my account into the negative with chase if you could help me I would greatly appreciate it thank you the amount was for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I filed a complaint with the CFPB against Bank of America ( complaint id : XXXX ) regarding an unpaid account opening promotion. The resolution to that complaint stated " ... in the absence of any proof that these were the recurring direct deposits of a paycheck, we respectfully declined to provide reimbursement of any amount. He said that he understood this, and wanted to submit proof that XXXX was his employer at the time ; he was provided with the fax number XXXX for this purpose, and was informed that no further dispute could be made until the documents were received. He was satisfied with this outcome and had no further questions or concerns. '' I want to clarify that I was satisfied that I finally received an answer as to why I did not receive the bonus, and finally had something that was actionable. In retrospect, I am surprised that Bank of America believed that the resolution to the complaint was to give me the information, but did not seemed interested in receiving the proof that I did in fact meet the requirement. The Bank of America employee that spoke to me on the phone provided me a fax number that said went directly to him, and that if I sent him proof of employment at XXXX, he would respond within 1-2 days. I  submitted paystubs for the relevant time period on XX/XX/2019, which was the same day I spoke with the Bank of America employee. I have attached the fax that I sent to the Bank of America Employee ( " Bank of America Complaint '' ). Page six is the " transmission verification report, '' which is the confirmation that the fax was sent. I was told by an XXXX employee that the " OK '' next to the " Result '' indicated a successful send. 

I am submitting a second complaint because I did as the employee instructed, and I have been ignored a 3rd time. Bank of America has only seriously responded to me when I submit a complaint via the CFPB. Bank of America 's complaint response system has failed me. In my case, I believe the promotion has been a deceptive practice under UDAAP. They hooked me with a promotion, and had no infrastructure to follow through with their promise to me. I have been persistent with them, and I wouldn't be surprised if there are other, less persistent consumers that have given up on getting their bonus due to Bank of America 's failure to quickly and effectively resolve their concerns and complaints. 

I have also attached the original complaint " Complaint Detail '', the original promotional offer " XXXX - An exclusive {$300.00} bonus offer ... '', the statement demonstrating the direct-deposit requirement met " XXXX statement ''.

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