BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a refinance on an existing mortgage loan in XXXX thru Homeward Residential. After extensive paperwork, appraisal report, verbally told that loan was approved, lender stopped communicating with me. I call them up wondering what happened to signing of my loan document, I am told casually that my loan was rejected and a loan officer was supposed to call me. What happened to my rights as a consumer to be notified when rejected for a loan? I call XXXX of their executives to obtain an explanation, XXXX XXXX, I never get a courtesy response from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Capital Accounts, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: ERC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Enhanced Recovery put a negative collection account on my credit report. I NEVER GOT A LETTER EVER! And since I have no " account number '' to have them reference, I have no idea. They want me to disclose PII via email! Any person who knows email is NOT SECURE and they want me to disclose that in cleartext??? XXXX! 

I have no idea what ERC has on me. In the XXXX printout ( PDF ), the only info I have is what I have and nothing more. The reply from " XXXX '' is highly unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On several occasions I have reached out to XXXX, XXXX  and Transunion and these people are not doing any investigations whatsoever and we can no longer blame it on COVID.. I need my disputes investigated today because by law they have 30 days to investigate my negative items that I am disputing here ... Please delete. 

XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX- XXXX-Unverfiied Account XXXX  XXXX  XXXX Not my account XXXX XXXX  XXXX Not my account XXXX XXXX  XXXX-XXXX- Unverified account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX XXXX XXXX-XXXX-Unverified Account XXXX XXXX XXXX- XXXX-Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1980

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 2015-05-28
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
I was contacted yesterday XX/XX/XXXX on my business phone from a debt collector XXXX ( XXXX ) at XXXX I spoke with XXXX in legal dept after XXXX called my business phone and left a message saying that I had a legal claim against me. I called XXXX back and she put me through to XXXX. XXXX advised me that there was a debt owed to Providian bank in my previous name that I have not held in XXXX years. He stated they were perusing a law suit in XXXX XXXX against me for {$4000.00} for a credit card that had a date of first delinquency XXXX and was charged off in XX/XX/XXXX. I have no knowledge of this debt. He stated that he had sent a letter to my home in XXXX offering to settle the amount for {$1800.00}. I advised him this was not my debt and told him it was likely my ex husbands debt. He gave me my ex husbands name and said he had been contacted but had bad credit so there was no point in them going after him and that I had good credit which is why they are coming after me for this debt. He then told me he was not getting into a finger pointing session and told me they were going to take me to court get a judgement and garnish my wages. He told me they were already verifying my employment so that they could do this. I became very upset. I told him I needed to gather information about this and I would call him back. I called back and he was unavailable. I asked him to provide me with a copy of my signature on the original credit application, copies of the statements with my signature and where the purchases were made. I asked for the case number and everything he told me on the phone to be put in writing. He called back and asked me to return his call, which I did. At that time I recorded the conversation and advised him of such he became hostile and said I did not have his permission to record him. He also told me he refused to provide me with any information on the debt, I had XXXX years to clear this up and they were moving forward. I advised him if they took out a lawsuit I would counter sue them, he hung up on me. 

I was harassed at my business, threatened with legal action if I didnt pay the debt right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Good afternoon, The credit bureaus have been violating my rights by reporting erroneous negative accounts on my credit. I have been reading that the bureaus have to give me an update 30-45 days after receiving my letters in their offices, but this has not been fulfilled.

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 2021-03-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property address is incomplete on all documents causing challenges. 

I have submitted multiple request with no response to date.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: KY
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 call XXXX about incorrect information on my credit report belonging to someone else. The representative viewed their data system and could not locate me and agreed to contact the credit bureaus and remove information. This was done in XXXX of 2021 for XXXX and XXXX. Yet the information is still on Experian and various investigations by Experian will not remove the information.

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 2021-03-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made {$4700.00} purchase with a Citi credit card since I opened the account. {$7200.00} were paid from bank accounts. After the payments, the account has been carrying - {$2800.00} balance. I requested to refund the overpaid part, but never received it. On XXXX XXXX, 2021, Citi reversed {$5000.00} credit, without refund to bank account, making me carry {$2400.00} debt on my account. 

I contacted Citi about the reversed payments, no clear answer was ever provided, and their explanations did not match with the statement. If the payment reversed, at least it should be a refund to the bank account. Now the {$5000.00} goes to nowhere and made me carry the debt with no clear answer.

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 2021-03-16
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Cooper Hoffman Klein Associates
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This company has called daily requesting that I pay a bill for a checkloan with a Paydayone company that is out of business, they told me they were coming to pick me up to go to jail, told me I would be served a summons, called me a filthy Debtor and XXXX, I have requested that they stop calling me and they continue they change their numbers and call when I asked for an address to send payment they said they only accept a prepaid debit card for payment no cashiers check or money order so I still was unable to get an address from them. they have no information on their company over the internet and no address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
XXXX XXXX ago the paypal sent the attached email and limited my PayPal account. I'm XXXX XXXX XXXX and I have my passport, learner permit and foreign driver license to prove that. Yesterday I called PayPal 's customer service, on the call he said the limit will be left, but until today I did not see anything change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: DISCOVER BANK
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Clark County Collection Service
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: Account status incorrect

Complaint:
The original debtor : XXXX XXXX defunct apartment landlord. Sold my debt to Clark County Collections in XXXX XXXX, NV XXXX obtain a lawyer and had a garnishment levied against me. I paid of debt through garnishment. 

When i tried to get the info removed after i paid off the debt through garnishment. They wanted me to pay an additional XXXX dollars to report debt to credit bureaus ... i declined that. And they left it on my report as unpaid. They have since resold my debt and it is causing mental pain because im unable to move anywhere with this unreported paid of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have repeatedly asked for the identity, phone #, address of the investor of the alleged mortgage loan ( originated by XXXX XXXX ) which allegedly became securitized with over XXXX other mortgage loans in XXXX. 
This is reported under a different servicing number by Chase of XXXX. 
I am entitled under the new Dodd-Frank laws and TILA laws to know who my creditor ( s ) is so that I can negotiate directly with the creditor. 
Chase has sent a letter dated XXXX XXXX, 2015 stating that the investor which they service for is : XXXX as Trustee for XXXX and then they list the Mortgage Research ( XXXX ) in XXXX XXXX, MN XXXX and the phone XXXX. 

This is NOT the investor and Chase continues to confuse and obfuscate the truth. This is not supposed to be the Trustee for the securitized trust ... .it is NOT the investor. 
Furthermore, when I call that number -- -they will not talk to me and tell me to talk to Chase. 
They said they are indemnified ... .meaning protected by insurance from Chase. 
I need to talk to the investor. I need to be able to negotiate directly with the investor. 
Chase is not complying with Dodd-Frank, nor TILA. They are stone-walling me. 
It is not longer 'proprietary ' who the investor is. I will not tolerate Chase 's stone-walling. 
Chase is now breaking the laws once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I spoke to a very nice supervisor in iowa branch, and her name is very nice lady, wells fargo is charging me a {$320.00} for my escrow account, my loans was sold to them, and I signed agreement, that I 'm not responsible for such dues, then yesterday XXXX XXXX, 2017 I received a letter from them saying I have to pay them XX/XX/XXXX, and those are not legal, when my loans was transferred to them, I 'm not responsible for what ever escrow account bills I will received. This company is taking advantaged of the loans, that they bought it, I 'm asking if this agency will do an investigation, because this amount of money is too much for me. this mortgaged company has practices, of taking advantages, of let say the loans was bought from them, the poor home owner, who do n't know anything, one day they Wells Fargo will just received a letter saying I owed 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 2021-03-16
Company: JPMORGAN CHASE & CO.
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-04-08
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I attempted to submit a payment on XX/XX/2022 for my American Express credit card ending in XXXX. I received a message that the payment had been submitted and would be processed on XX/XX/2022. However, there was a problem with the system and my payment did not go through as scheduled. I was then charged a late fee of {$29.00} on XX/XX/2022. I requested to have this fee removed and a customer service confirmed that it would be, but the charge is still on my account. I would like to request that this {$29.00} fee be removed along with any interest charges as they payment should have gone through on XX/XX/XXXX, XXXX as was originally scheduled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I cashed a check through the mobile checking app of my bank, Bank of America, on XXXX XXXX of 2015. This was a check written to me, for the sum of {$300.00}. The app recommended i keep the physical check for up to 30 days before destroying it, so I put the check into my filing cabinet. 

At some point my ex-roommate went into the filing cabinet and stole that check ( along with other things ). Unfortunately, i did not notice the check missing. A month after I moved, on XXXX XXXX, 2015, he cashed the check at his bank. After the check cleared, the person who wrote the check to me, noticed the funds deducted from her account, and mentioned it to me. I explained that I had cashed the check back in XX/XX/XXXX. She found that the check had been actually cashed twice, the second time, fraudulently. She called the bank. They investigated the matter, and decided to take the funds from my account. 

After many calls, explaining the situation, the bank has not put the money back into my bank account, ( and i suppose, not to take it from my ex-roommate, who stole the check ). The person who wrote the check and I, even made a 3-way call with the bank, explaining the situation, yet it did not make a difference in the banks decision. 

I have since started a complaint with the XXXX Police Department, who is regarding this as a criminal investigation, against my ex-roommate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank closed my checking account that I have had for 44 years without explanation or fore warning I received their letter a day after my account was closed causing me all kinds of difficulties : Auto debits checks written and pending auto credits that were due to be deposited into my account Much confusion because I could not access my account! 
I talked to a manager of Citibank and received no answers or explanations as to why they closed my account My sizable balance was returned to me again without explanation five days after closing my 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 2021-03-16
Company: NAVY FEDERAL CREDIT UNION
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Incomm Holdings Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received a Vanilla Visa Gift card for XXXX. I tried to use the card in XX/XX/2022 for an online purchase and it was declined. I checked the balance online and the original balance of {$300.00} was still on the card. Tried to use it XX/XX/2022 for an instore purchase and it was declined. The balance was only XXXX. When I logged into the site online to review purchases, neither purchase was mine. The purchases were {$60.00} for XXXX XXXX XXXX bill and {$230.00} to XXXX XXXX XXXX. 

I have called the company and was on never ending hold. No one ever came to the phone due to " long wait times. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Capital Bank really needs to be investigated & held accountable for the outright misappropriation of credit card customers and their finances. This 'bank ' schemes to deceives honest, hardworking individuals. 

Most recently, the fact that this institution only recently began accepting automatic payments for some of its store credit cards is proof that they designed a system to fail the consumer. Attempted numerous times to establish auto payments with Victoria Secret & XXXX XXXX XXXX cards only to find out the Comenity Capital Bank system never properly established these payments, even though I received confirmation that these automatic payments were successfully established. This results in numerous late charges and fees assessed to the store credit card accounts, no available credit and a significant credit score drop due to these errors. 

The FTC should hold these institutions accountable.

Company response to consumer: Closed with monetary relief