BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are keep calling to my work. I don't think is appropriated. is constant, I already told them, I can loose my job if the keep calling,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Ocwen Financial Corporation
State: IL
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:
PHH Mortgage acquired my mortgage from XXXX Mortgage XX/XX/XXXX. When the loan was acquired the payment for XX/XX/XXXX was not credited to my account. The escalation manager told me that if I could provide a bank statement to show the payments were made, he would credit the account and remove the late fees. On XX/XX/XXXX, I provided bank statements to the PHH mortgage escalation department via email that showed a payment each month to PHH from XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX the late fees were removed from the account. I applied for a mortgage refinance on XX/XX/XXXX because my XXXX mortgage is scheduled to close out XX/XX/XXXX. The refinance was denied because my credit report showed I have 30 months of late mortgage payments. Around XX/XX/XXXX I informed PHH of the issue and they sent me a letter that stated the payment for XX/XX/XXXX was missing. I told them that I submitted my bank statement as proof that the payment was made and the late fees were waived. I was then informed that I need to submit a copy of the credit reports to them. So on XX/XX/XXXX I submitted a copy of my credit reports to the customer care email. Approximately a week later they uploaded my payment history to XXXX but did not correct the late payment status. I was again denied a refinance loan by PHH mortgage and another lender because of the late payment status. XX/XX/XXXX I spoke to a credit manager at PHH and was told I had to fax my bank statements to them, so I faxed them my bank statements that day. I followed up with a phone call a week later and PHH would not discuss the status over the phone. I had to call them once I received their decision letter. On XX/XX/XXXX I received a letter dated XXXX that stated the payment for XX/XX/XXXX was missing. I called XX/XX/XXXX and spoke to an escalation manager and was told I had to resubmit my bank statement and highlight all the payments. I informed her of the history and emailed the bank statement with the highlights she requested. I was informed it will take XXXX business days for a resolution. Mean while XXXXPHH who can see my history will not approve me for a refinance, despite knowing the issue and the fact that I am current with payments for both mortgages. The main mortgage is showing current since XX/XX/XXXX which doesn't make sense. I'm currently trying to refinance with a credit union. Praying they will approve everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Paypal Holdings, Inc
State: MD
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have an eBay gift card with a significant balance still on it. Whenever you use an eBay gift card for the first time, it is tied to a PayPal account and can not be used with another account. However, a couple weeks ago PayPal closed my account and will not give me a reason for closing the account. They will not let me reopen the account even though I have done nothing wrong or illegal. This also means I can not use the remaining balance of my gift card. I have attempted to contact both eBay and PayPal, but both give me the runaround on whose fault it is. An eBay supervisor did point out though that PayPal should be the one taking care of this issue since the cards are linked and processed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Keynote Consulting, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed a contract with XXXX in XXXX 2014 and every month since then I have been paying my monthly fee on time every single month according to the contract. Despite the fact that I have been paying my monthly fee to XXXX on time every single month the company decided to turn my account and payments over to a collection agency in an attempt to collect all the money at one time. I do believe that this was in direct retaliation because I requested to back out of the contract because I was not using their service. They did not allow me to back out and then they deliberately mismanaged my account showing that payments were missed which turned out to be by their own account an error on their part. Yet despite this fact my account was turned over to a collection agency although we both have proof that my payments were all made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: ZIONS BANCORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I currently have a loan with Zions Bancorporation which is unsecured for XXXX. I called the customer service department for specific information about paying off this loan and no one was able to answer my questions or give me an appropriate payoff quote. I then talked to several persons in the collections department who directed me to XXXX XXXX. In talking with him, I tried to explain my situation that something had come up and that I was going to have trouble paying off this loan as originally contracted. Even though this loan is NOT in default and I have never missed a payment, XXXX XXXX started to harrass me and demanded that I pay back the loan immediately and that I had no legal rights to file for bankruptcy or talk to an attorney. He also led me to believe that I had no right as a customer of Zions Bancorportation to ask questions about the loan that I had. XXXX XXXX clearly violated federal statues by harassing me about collecting on a loan that is NOT in default and by pretending to quote or comment on laws when he does not have a XXXX degree and stating that I have no legal rights to protect myself against clearly illegal actions on XXXX XXXX part. My attorney who specializes in consumer credit has been made aware of Zions Bancorporation and XXXX XXXX intimidation tactics.

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 2016-06-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I dusputed a collection on my credit report that they allowed to be added back on. Claims it was from 2010 but had been removed and the credit agency refuses to remove it which is against the law as they can not keep changing the reporting date to keep it active on the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Google Compare Credit Cards Inc.
State: VA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
I PURCHASED XXXX GOGGLE {$25.00} GIFT CARDS AND WHEN I WENT TO USE XXXX-IT HAS ALREADY BEEN USED. STILL HAVE THE GREY SECURE MARKINGS AND CALLED AND NO HELPI PURCHASED XXXX GOOGLE {$25.00} GIFT CARDS FOR MY SONS BIRTHDAY AROUND THE LAST WEEK OF XXXX 2015. I PUT THEM IN A DRAWER AS I HAVE A IPHONE AND HAVE NO NEED FOR THEM. MY SON ASKED IF HE COULD HAVE XXXX CARD AND I SAID YES, WE BOTH SCRATCHED OFF TOGETHER AND IT SAID REDEEMED. I WAS SHOCKED AND CALLED GOOGLE IMMEDIATELY AT XXXX. THE LADY I CALLED ON XXXX XXXX 2015 TOLD ME IT WOULD GET INVESTIGATED AND TO SEND PICS VIA EMAIL TO GOOGLE VIA EMAIL AT XXXXXXXXXXXX .I DID AND SHE SAID SHE WOULD GET BACK TO ME MONDAY OR TUESDAY XXXX THE XXXX AS IT WOULD BE LOOKED AT. I CALLED THEM ON TUESDAY THE XXXX AND THEY SAID THAT IF I DID NOT HAVE THE RECEIPT THERE WAS NOTHING THEY COULD DO. KEEP IN MIND THAT I SPENT {$75.00} AND THE CARDS GREY SECURE MARKINGS WAS STILL IN TACT AND GOOGLE SAID ALL XXXX CARDS WERE REDEEMED. AS U CAN SEE IT IS VERY FRUSTRATING AND I ASKED TO SPEAK TO A SUPERVISOR. THE NEXT PERSON ON THE LINE TO SPEAK TO ME WAS XXXX, HE WAS RUDE AND TOLD ME TO TAKE THE SCRATCHED CARD TO WHERE I PURCHASED AND AND BEG FOR MY MONEY BACK AS GOOGLE WOULD NOT DO ANYTHING TO HELP ME. WHEN I ASKED TO SPEAK TO HIS BOSS/HE WOULD NOT LET ME AND TOLD ME THAT I WOULD LOSE MY {$75.00} AND HE WOULD NOT HELP ME. I FEEL THAT THIS IS UNPROFESSIONAL AND UNETHICAL. I DONT SEE HOW A CARD COULD BE REDEEMED IF IT IS NOT SCRATCHED. I AM COMPLAINING TO MAKE IT KNOWN TO HEADQUARTERS AND TO MAKE THIS RIGHT. I JUS WANT MY SON TO HAVE A NICE BIRTHDAY AND IT SEEMS LIKE I AM GOING TO LOSE {$75.00} BECAUSE GOOGLE DOES NOT WANT TO HELP AND STAND BEHIND THIER PRODUCT. PLEASE CONTACT ME AND GET BACK TO ME AS SOON AS POSSIBLE AND HELP. THANK YOU FOR YOUR CONSIDERATION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-14
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested and received a mortgage payoff statement from Merrill Lynch. The instructions on the payoff letter noted payment could be made by cashier 's check or wire transfer from a bank. My bank ( Bank of America, which owns Merrill Lynch ) allows me to make wire transfers directly, using Bank of America 's website -- I am attaching the online wire transfer form I used, for reference. I transferred the full loan repayment amount to the account indicated in the payoff letter ( a XXXX XXXX account ) before the payment deadline. Merrill Lynch/XXXX XXXX held those funds for 13 days and then reversed the transfer, returning the funds to my bank account. No reason was given as to why the monies were returned. In the interval between their receipt of the loan payoff funds and their returning those funds, Merrill Lynch charged me an additional month 's interest. 
I spoke with a representative of Merrill Lynch 's mortgage division and also with her supervisor ( XXXX XXXX, who is based in the Merrill Lynch 's home branch in New Jersey ) and they could n't explain why my loan payment was reversed except to say that the " wire transfer '' mechanism indicated in the payoff letter was different from the " wire transfer '' mechanism ( so-called by Bank of America ) that I used. Merrill Lynch is part of the Bank of America Corporation. From a consumer perspective, I have no way of distinguishing why XXXX divisions of my own bank would define " wire transfer '' differently -- nor can I understand why I would be expected to distinguish between their evidently disparate uses of this term. Ultimately, I paid off my loan according to the instructions in the payoff letter and now I 'm being charged an additional 6 weeks of interest for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The Credit Bureaus stated XXXX XXXX XXXX Account # XXXX, was properly investigated but how can that be possible if the date last active is inaccurate, the date last reported is inaccurate, the date of last payment is inaccurate, the two year payment history is inaccurate, the payment status is inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I Haven't given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Millco Management
State: NC
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:
Amerifinancial Solutions at XXXX XXXX XXXX, XXXX, MD XXXX has been sending me collection notices in the total amount of {$670.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I would like to have incorrect mailing addresses and incorrect aliases removed from my credit reporting files. In the past, I have disputed incorrect names and addresses, yet they remain on my credit reporting files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, we were informed by US bank that our Mortgage payment in XX/XX/XXXX was going to increase from {$1100.00} to ( currently ) {$1200.00}. We were told it would stay that way until XXXX. The explanation was unclear. We are current on our mortgage and have not missed any payments in the years we were under the HARP loan modification program. As of XX/XX/XXXX, we got another notification that it would increase again due to an escrow shortage. I called US bank and spoke with Representative, XXXX who told me this was due to an increase in our homeowners insurance. After speaking with XXXX XXXX, they informed me that there was an increase but only by {$9.00} a month. US bank claims it to be {$38.00} more. There is an obvious discrepancy that we want investigated. We have had a long miserable history with US bank and have no confidence in the integrity of the company.We also had to battle them legally through 6 years of Bankruptcy for errors on their part that were eventually settled. This is our 3rd time complaining against US bank for unscrupulous practices. We owe less on the home and have been current for years so our payments should not be increasing. Please investigate so we can clear this matter up.

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 2022-10-02
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
hello, my name is XXXX XXXX XXXX. i am a XXXX XXXX with XXXX XXXX XXXX 
my XXXX  is presently XXXX XXXX XXXX. at the branch on XXXX XXXX in XXXX tennessee. i work XXXX days a week. yesterday, XXXX XX/XX/XXXX i was blindsided at my XXXX by a gentleman serving me a summons. 
it is for a court hearing on TUESDAY XXXX XX/XX/XXXX, XXXX. could you believe this, less than 30 days. FOR A COURT CASE. no room to breathe or prepare here.. 

details are as follows : : : : GENERAL SESSIONS COURT XXXX XXXX TENNESSEE DOCKET # XXXX CIVIL WARRANT PLAINTIFF XXXX XXXX XXXX ACCT # XXXX BAL {$2100.00} ATTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX it is for an account with XXXX acct was charged off on XXXX XX/XX/XXXX. 
i am unfamiliar with said acct. 

after work, i went home to research my credit reports to look for this debt. 
after thorough searching i found the following results... 
XXXX NOT FOUND XXXX NOT FOUND XXXX NOT FOUND XXXX nothing there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Harley Davidson Financial Services Inc
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My ex cheating girlfriend wrecked her old XXXX XXXX and it broke her leg from collision long time ago. She wanted a new motorcycle she could not buy it with ruined credit scores so I was stupid kindly co signed a 2008 XXXX XXXX for her just to make her happy but then she screwed me over and deceived me she rode off with her several trashy secret lovers. 
She removed my co owner 's ship on the bike and added it to her new boyfriend 's name. I need these unwanted information stored on my credit reports removed. All they do is causing me to have money damages and ruined my life! 
Truly yours XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: JPMORGAN CHASE & CO.
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: Public record information inaccurate

Complaint:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX court as the furnisher thats forgery and misleading when the courts dont report this type of account. 

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 an account without my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on all three major credit bureaus that I did not authorize. On XX/XX/XXXX I contacted XXXX XXXX via phone to inquire about their requirements for financing a vehicle and specifically asked if a soft pull could be done just to see if it would be worth applying. The rep assured me that there would be no hit ( hard inquiry ) to my credit. I asked several times and was repeatedly told that there would be no hard inquiry. I then received notification alerts of several inquiries to my credit reports from them as well as a few other financial institutions that they sent my information to all without my consent and the rep blatantly lying to me. I contacted them to have the issue resolved and was told that they would not help me. 

On XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX ) my daughter was shopping for a car at XXXX XXXX XXXX and asked about financing and was told she may need a co-signer. Again, I asked if a soft pull could be initiated just to see if it would be worth trying because I was sure that I would not qualify and did not want to have any more inquiries and again I was lied to and ended up receiving notifications from 8 financial institutions and I wasnt even present again at this dealership. They financed her without the need of a co-signer so I am confused as to why they lied about the soft pull and ran my credit without the need to. I contacted them and was offered nothing more than an apology. 

As I was looking at my report I noticed a couple other inquiries that I did not authorize and I have contacted the companies as well as the credit bureaus and they all have refused to remove them. The following inquires were made without my consent : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-04-26
Company: PHH Mortgage Services Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a mortgage with PHH Mortgage to purchase a villa on XXXX/XXXX/14. At the time of closing I was asked for over {$3000.00} for the escrow account. I questioned it at that time because from the data I had been given, most of the homes in the subdivision have real estate tax bills of under {$2000.00}. I was told that if the amount was incorrect that it would be corrected when the XXXX tax bill was made. 

PHH did pay the original tax bill. However, that tax bill was for an unoccupied home. the payment they made triggered an additional bill which was forwarded to them. They did not pay this bill nor did they notify me that it had not been paid. The total tax bill due was {$1700.00}. Of that they paid {$570.00}. 

I found out that they had not paid when I read a story about a local homeowner who lost their home because their mortgage holder never paid the tax bills. I decided to double check. The bill had not been paid. I paid it and sent PHH a letter requesting a refund for the amount I had paid out of pocket on XXXX. 

From XXXX until XXXX they basically ignored me except for the XXXX email they sent in which they stated that after checking with the tax office, there were no taxes due. The letter dated XXXX basically stated that they had received my complaint and would be in touch. 

I received a XXXX letter ( from XXXX XXXX, liaison to the President ) a few days after XXXX XXXX and I spoke. He agreed verbally and in the letter that PHH had ben negligent in not paying the XXXX bill. He informed me that there was an excessive amount of money in the escrow account and he would personally initiate a refund of any overage. I received a letter from him a few days later which stated that I was indeed due a large refund and that due to the overage that they had collected, they would be adjusting the payment amount and lowering it. 

Four days later I received a check for over {$1000.00} less than what he had stated and a notice that they would be collecting the same amount in escrow for the next 12 months as they have since the XXXX payment. 

They have estimated my taxes at {$4600.00} when in reality the actual tax bill was {$1700.00}. By the time they receive my XXXX XXXX payment they will have over XXXX what they need to pay the bill in XXXX. In other words, my tax bill could XXXX and they would have money left over. When they pay the tax bill in XXXX they will have over {$2000.00} left in escrow and yet will continue to collect almost {$400.00} a month for another five months before again evaluating and adjusting.

Company response to consumer: Closed with explanation