BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Around XX/XX/XXXX my wife and I assumed aassumed an FHA loan through XXXX XXXX. Our loan was taken over by another company after about 6 months or so. The latter company was PHH Mortgage Services. PHH Mortgages Services handled all of our escrow affairs for about XXXX XXXX years. Somewhere in the process it seems that the escrow account was mishandled, in which has led to a significant deficit in our escrow account. XXXX sent out a check to us prior to this deficit stating that we didn't need that much in the account per my conversation over the phone with one of their reps around XX/XX/XXXX. I asked the represetative sveral times if whether or not they were sure in which I recieved an affirmative reply. Upon year end ( XXXX ), property taxes were paid out of the escrow and the account went into a negative ( about {$2500.00} ). Not long after this they sold the loan to XXXX Mortgage. In the process of selling the loan XXXX allowed our home insurance to lapse, adding insult to injury. This led to XXXX XXXX picking up an insurance policy unbeknownst and unapproved by us. This push us even further into a deeper deficit. Inevitably, property taxes comes around to the current year and we are now face with a substantial negative balance in escrow. For the month of XX/XX/XXXX our mortgage payment doubled ( around {$3600.00} ). As we were unprepared for this new amount, we faced a delinquent account. We are now struggling to make these new payment and are on the verge of going into default. If there is something that can be done please assist. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My original loan amount ( principal ) was just over {$6000.00}. as of the year 2006. Over the course of years, I was never offered any viable alternative when I was struggling, other than forbearance. As a result, I have paid in interest, the amount of the original principal amount, and am being told that I still owe {$6000.00}. This whole experience with Navient is one that organized criminals would envy. This criminal financial instrument they use, while denying borrowers of reasonable options. - I have never defaulted on my loans, but I may soon have no choice. I took out loans for {$6000.00}. Paying up to {$18000.00} is the definition of usury. This is criminal. I should have been informed about other options, other than forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
PURCHASED ONE MICROWAVE OVEN FROM XXXX XXXX ON XX/XX/2018 FOR PURCHASE PRICE OF {$800.00} ( {$850.00} WITH TAX ). NEXT DAY XXXX XXXX DISCOUNTED THE PURCHASE PRICE BY {$210.00}, FOR A NET PRICE OF {$590.00}, OR {$630.00} WITH TAX. MET WITH XXXX XXXX TO RESOLVE THE DISPUTE AND THEY INFORMED ME THAT THE PROBLEM IS AND ACCOUNTING TRANSACTION ERROR WITH CHASE BANK CREDIT CARD, WHO IS CHARGING ME {$850.00}, PLUS {$630.00} WITH ERRONEOUS ADJUSTMENTS THAT DO NOT REFLECT THE NET ACTUAL PURCHASE PRICE OF {$630.00} ALL IN. WROTE A LETTER TO CHASE ON XX/XX/2018, WITH NO RESPONSE ; CALLED THEIR CUSTOMER SERVICE LINE ON XX/XX/2018, XX/XX/XXXX, XXXXSPOKE WITH AT LEAST 8 PEOPLE AT CHASE TO RESOLVE THE PROBLEM, WITH NO SUCCESS. THEY COULD NOT VALIDATE THE ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Bank sent me a XXXX C debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to XXXX, XXXX, and Experian as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.

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 2018-06-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have foreclosure that took place 4 years ago and is complete. The servicer OCWEN shows the issue as current and that I am XXXX behind in payments. After contacting a mortgage company I am told it is still listed as a current debt and not in history section and causing additional stress on my score. I wish to have it properly listed in the history and not as a current debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Orions Management Group, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Orions Management Group has contacts me everyday via cell phone and calls my employer everyday. In the past they would tell me a XXXX is coming to my job to serve me papers to sue me but I can stop it if I make a payment to an account that I am disputing. This most recent time they called me and left a voicemail that said to call them back concerning a fraudlent transaction on my credit card which the account is not a credit card account and I do not have any credit cards with fraud on it. They are using abusive tactics to get me to pay the account and I just want them to stop and the account to be deleted. They need to NEVER call my job and I have sent a letter to them asking them to stop calling me. Please help me resolve this matter. 

Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: ALLY FINANCIAL 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: Reporting company used your report improperly

Complaint:
when covid 19 affected everyone. i was laid off i always pay my bills on time but the creditor didn't want to negotiate. so ive been trying my hardest to find a better way to get to them cause its showing late payments on my report.

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 2018-02-14
Company: Gatestone & Co. International Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX said in print my account # XXXX for phone # XXXX was 'month to month ' on their billing site. Haven't had a contract in over 10 years. XX/XX/XXXX changed carrier. No place on billing site to say " stop service ''. XXXX XXXX XXXX continued to charge me a monthly fee even tho there was NO activity on my account. They sent emails, but i thought they were ads to induce me to stay a customer, as my account said it was MONTH TO MONTH. Assumed that means if you don't pay, you don't have an account. I did not realize the account was accruing monthly usage fees ( FOR NO USAGE ) until they sent a collections letter in XX/XX/XXXX. XXXX XXXX XXXX says a " pay as you go '' account is the only account stopped if the next monthly payment is not received, and that my " month to month '' account can not be stopped simply by no payment and no activity. There is NO WAY on billing page to stop service. XXXX XXXX XXXX 's service personnel confirmed that. Also said they could not get into my account b/c it had already been sent to collections. Called phone # on letter from XXXX XXXX XXXX, they gave me collections # which is GATESTONE XXXX which is connected with spurious business practices re collections. I offered Gatestone $ XXXX/month to pay off this ridiculous charge. Gatestone threatened me with immediate credit ruination if i did not pay $ 63/XXXX. XXXX XXXX XXXX uses DECEPTIVE BUSINESS PRACTICES as well as a spurious collection agency to collect these unearned fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18
Company: Business & Professional Collection Service Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This has been reported on my XXXX for yrs as unpaid or paid, switching back and forth. The name of the company is XXXX XXXX XXXX XXXX but that changes all the time as well, or doesnt even have any info or name. I have disputed this account many times and asked for a debt verification proving this is my debt. I have never received any communication or response back. I believe this account is in violation of the HIPAA act of 1996 and any information they have received has been without my consent. That is why they have failed to respond back to all of my requests for proof this is mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a XXXX charge card that was discharged and received a XXXX. I had my wages garnished without notice in XX/XX/XXXX without representation. The collection firm that used a justice of the peace located over 50 miles from where I reside. The collection firm Gurstel Law Firm P.C. formerly known as Gurstel Chargo P.A. filed and garnished my paycheck. Case XXXX Gurstel file number XXXX   filed for notice of renewal of judgement with an expiration date of XX/XX/XXXX! The original debt was discharged from XXXX with a XXXX. On XX/XX/XXXX a Notice to Discharge and Release Garnishee was mailed to me. But later they secured a judgement to renew. Gurstel law firm is using predatory tactics by courts to collect on a discharged account. I have been unemployed for the most of the last seven years. I last year I only made {$130.00}. This judgement makes it difficult for me to retain a job. I also suffer from XXXX XXXX and live with friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: HW Holding, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I NOTICED THAT HUNTER WARFEILD PUT A COLLECTION ON MY CREDIT DUE TO A BALANCE REPORTED TO THEM BY XXXX XXXX XXXX IN XXXX NORTH CAROLINA. I CONTACTED THE APARTMENT COMPLEX AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER LIVED THERE THEY QUICKLY APOLOGIZED AFTER I SHOWED MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THEY TOLD ME UNFORTUNATELY ONCE THE COLLECTION HAS IT THERE NOTHING MORE THEY CAN DO AND INSTRUCTED ME TO CALL HUNTER WARFEILD. HUNTER WARFEILD SAID THEY DIDNT CARE THAT I DIDNT STAY THERE SOMEONE & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL I HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER LIVED IN THOSE APARTMENTS. I ALSO WANT ALL OF MY POINT BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A 6 MONTHS BEFORE XXXX XXXX XXXX  STATED THE LEASE WAS SIGNED.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
There has not been closure to my complaint number XXXX in spite of the bank asking me to contact their executive office, which I did and my sending to them a notarised copy of instructions and signature. All this was done long before any shut downs due to Covid-19. The executive office number always goes to voice mail but never any reaction from them. The general number of the bank tries to be helpful, but all they can say is that it is being dealt with by the Executive Office. if only. Can you help and try and get closure? Before my XXXX birthday in XXXX I would like to see an end to this sorry affair. 

Thanking you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: SYNCHRONY FINANCIAL
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Trying to pay my PayPal account from my phone and I have spent 30 minutes finding my credit balance without success. Tried every path multiple times. First they switch to paperless. Then they solicit me to enroll in debit. Then they force me to download app which did not work. I am trying to pay them. Took screen shots and cant find PayPal Credit and after that should find Make a Payment. Not to someone else but to the merchant.

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 2018-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX Acct # XXXX in the amount of {$630.00} has been on my credit report since XX/XX/2008. This is well past seven years. This should not be on my credit report any longer. However, Experian refuses to remove it despite me calling or complaining. THIS IS AGAINST THE LAW!!!!!! All they do is keep adding unnecessary comments on my credit file under this account.

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 2018-06-13
Company: Experian Information Solutions Inc.
State: GA
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 had a Federal Student loan with the XXXX XXXX XXXX XXXX that went into default and they began to garnish my paycheck until the loan was paid off in full. The final payment was made over a year ago. In fact I over paid on the loan and received several refund checks from the US treasury department to repay back the over payment. A few months ago I was informed by my mortgage lender that I had an unpaid student loan appearing on my credit report. I thought he must be seriously mistaken but there was a balance of {$180.00} added to a school loan and it stated it was unsettled. I reached out to the XXXX XXXX XXXX XXXX about what was appearing on my report as well as disputed the era with XXXX. I was told by XXXX XXXX XXXX that my acct was categorized incorrectly and they would have to correct it and should reflect correctly in 7 days. I waited two weeks and called them back and the era had not been corrected. I was reassured that the problem would be corrected and was told this time that it only takes two days. My lender ran a check of my profile on some system ( due to me applying a gov backed loan ) and my name was cleared after two days. My XXXX report was corrected as well. However, now on my experian report it is saying that I failed to make a payment on the acct this year. The acct was satisfied last year and there should not be anything due. They owed me. Now experian is not allowing me to dispute this acct again because I disputed it previously. My fear now included that XXXX will be the next one receiving incorrect information on my report. This has cost me two homes in this home buying process. Please 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 explanation
Consumer complaint received 2021-07-18
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Experian Information Solutions Inc.
State: GA
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 believe that I am a victim of identity theft and filed a dispute with the credit reporting agencies in regards to it, per section 605B of the Fair Credit Reporting Act. I never received any notifications in regards to the results of the alleged items. It has now been over the allotted time period for when the bureaus are legally obligated to respond to my request. The initial letter was sent certified mail on XX/XX/2020 and was received by the credit bureaus on XX/XX/2020 & XX/XX/2020. I have yet to receive any responses and it has been well over the designated legal time period.

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 2021-07-18
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had disputed 3 transactions that the merchant advised me to dispute with the bank. Bank advised they were issuing credit. Never r ceived. Then they charged me a XXXX dollar fee for using a different atm. I would like my money back as well as my credits for Charges for items I never received. Every rep gave me misleading information and I would like this fixed

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 2020-08-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
The Property that I own at XXXX XXXX XXXX, XXXX  XXXX TX XXXX is a single-family residence and is currently being reported as an apartment that is incorrect and has not been updated even though I filed several disputes.

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 2021-07-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a complaint here on Synchrony Bank about the closing of my credit cards with them for no reason other than I was XXXX. Now I have received a response from them indicating that I was a high risk of failure to pay. 

I have tried to contact them more than 5 times to find out who has my accounts so that I could set up payment arrangements on my accounts. I know that these account SHOULD have been transferred outside of their bank since they closed all of these accounts on XX/XX/2020. 

No one at their bank can tell me what happened to my accounts. I checked my credit profile and I only see Synchrony Bank listed as being delinquent with them. So, if they do not have the debt, where is the debt? 

Also, one of their representatives gave me a place to call that is affiliated with Synchrony that I would consolidate all of the cards with and pay HIGH INTEREST to basically pay them up to date, It appeared to be some type of scam.

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 2021-05-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is a scam. Trying to unfreeze and they keep asking for different items, I have my password, then it says log in, then it says password error, then it says call, no answer and repeat, then they try to sell you credit monitoring. 
additionally, there is ZERO reason my score is low with them compared to the other bureau 's its almost as if they have a side arrangement to keep the score lower so that banks / finance companies can charge a higher interest. And you can't reach anyone, and repeat.

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