BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: Ocwen Financial Corporation
State: AK
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband XXXX XXXX had a reverse mortgage on XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX with PHH XXXX XXXX  # XXXX He passed away. I have bee eligible for an XXXX to stay in the home as a non borrowing spouse. This mortgage has been in forclosure status for the duration of this year, although there is a default of XXXX The forclosure was for the death of only borrower. Now I sent a check in XXXX for {$5300.00} To cover the default to put the balance at XXXX, as My XXXX letter stated I needed to do to qualify. PHH returned my check of {$5300.00}, stating that ( Payment not accepted as there is no repayment plan on file ). So now As the forclosure moves to the end date. XXXX XXXX is held up, due to the default balance for Taxes and so on. And PHH will not accept my payment. I have the check and letter available. And PHH also has a copy of it, they dont deny returning the check, but it is an attempt to make me unable to qualify for the moe XXXX This is unfair practice, and i am in a catch XXXX that phh has put me in purposely. I only have till XX/XX/2022 to pay the balance to get my moe. What do i do, as I already sent the payment and its documented that they just didnt accept it. To make things even more complicated. The home had massive fire damage about the same time my husband died, so we recieved a XXXX insurance claim check, and had to send it into phh. this was a year ago, they do not want me to repair the home, as i chose to do, so i can sell it afterwards. I gave them all paperwork needed, yet they chose to forclose. Pleae help me, i know that what they are doing to me is not legal or atleast against some codes of ethics. Please call me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Nelson Cruz & Associates LLC
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 XXXX Original Creditor and 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informations inaccurate. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: LA
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 the fair credit Reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name. # XXXX, Account name # XXXX, has violated my rights. 

15 U.S.C A. states I have the right to privacy.

15 U.S.C 1681 section 604 2 ; it also states a consumer reporting agency can not Burnish account without my written instructions USC 1681 see the section states no consumer reporting agency may make any consumer reports containing any of the following items of information and any other advise items of information other than records of convictions of crimes which antedates to report by more than seven years a person showing up furnish any information relating to a consumer to any consumer reporting agency if the person knows her as reasonable cost believe that the information is an 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 2022-12-10
Company: FinCo Services Inc DBA Current
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX I try to withdraw XXXX $ from ATM but was assessed with XXXX withdrawal which was an error I try merchant and the current card hold dispute! No one emailed updates its passed the timeframe of provisional credit as this matter fall under regulation E

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Paypal Holdings, Inc
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I'm making a compliant about a merchant company PAYPAL my business account has been affected by Paypal holding my money and taken it at the same time. I had friends and customers member send money into my paypal. Then paypal try to send my friend another charge to make it seem like the first one did not go thru. I been having paypal since 2019 and paypal been stealing my money by putting it on hold to just to take more money out of my balance from my money that have been sent to me or my business. Paypal has took money out of the money they are holding and paypal have a slick way on get over on customers by holding their funds just to take more money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: SANTANDER HOLDINGS USA, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 Santander Original Creditor and NCA 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informations inaccurate. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: General Motors Financial Company, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
GM Financial refuses to acknowledge my right of rescission. They keep calling me and my family members attempting to collect a debt that was already paid. I mailed GM Financial registered agent a notice of Rescission, special power of attorney, and irs form 56. The documents were mailed via certified mail with tracking numbers XX/XX/22. Pursuant to Truth In Lending Act 12 CFR 1026.23 ( b ) ( XXXX ) I excercised my right of rescission. 

I also mailed GM Financial and their Registered agents a ( notarized ) constructive notice agreement and affidavit of truth. I mailed those documents via overnight mail with tracking numbers. ( XX/XX/22 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: CITIBANK, N.A.
State: LA
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:
On XX/XX/XXXX, I purchased equipment from Best Buy. A customer service representative explained that my purchase qualified for a 12 months no interest promotion. I called customer service for a credit increase. During the application process I asked the representative if the credit limit increase would affect my credit he replied " No, it is a soft inquiry it will not impact your score. '' So I agreed. He then proceeded to transfer me to a female representative for verification where I again stated that I would only agree to authorization if my credit score was not impacted. Again, the representative assured me that it was a soft credit pull. I also mentioned that I could pay the remaining balance in cash if my credit score would change. As soon as I agreed to the terms and conditions, I received a notification that an hard inquiry was added to my credit report. I have called Best Buy three times regarding this matter. The first representative apologized and explained that all credit applications require a hard inquiry. The second representative I spoke with disputed the transaction with the major reporting credit bureaus, which did not remove the hard inquiry. The third representative I spoke with said that my issue would be escalated. I explained that the matter had been escalated with no resolution and asked to speak with a manager. I explained the matter to the manager and asked if I could have a copy of the recorded conversation since the automated message states that all calls are recorded for quality purposes. The manager disclosed that I would have to subpoena the company for a copy. I am appalled that not one, but two customer service representatives would misinformed of the companies credit card policies and procedures. It feels as if they give false information to increase credit sales. I did not consent to a hard inquiry and made that very clear during the course of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: GOLDMAN SACHS BANK USA
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
PLEASE MAKE THIS INFORMATION PUBLIC I bought TWO XXXX XXXX in late XXXX XXXX for the price of {$990.00} each ; and paid with Apple Card. I paid Apple Card with my checking account for TWO iPhones already ; but Apple Card charged me for FOUR XXXX. 

I bought TWO XXXX XXXX tickets and paid with the same Apple Card. I paid Apple Card with my checking account for TWO XXXX XXXX tickets ; but Apple Card charged me for THREE tickets. 

Theres a pattern of illegal charging by Apple Card. 

All Apple Card has to do is to get the purchase receipt from the XXXX XXXX, MN XXXX store to verify how many XXXX I purchased. Apple Card can do the same thing for XXXX XXXX tickets. 

I have attached two Apple Card explanation screenshots for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our 2 mortgages into one at Citizens Bank in XX/XX/XXXX. Real estate and school/property taxes were to be paid through our escrow account. We have two parcels, one across the street with no building on it and our main parcel with our house on it. 
On XX/XX/XXXX I received our XXXX real estate tax bill from XXXX XXXX XXXX. They were two separate bills. One in the amount of {$2600.00} ( with the house ) and the other {$500.00}. These were Face Value, not including the discount if paid by XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from XXXX requesting payment of the school real estate bill for our small parcel in the amount of {$550.00}. XXXX XX/XX/XXXX I called Citizens and spoke to XXXX. she told me to request that the bill be paid through escrow account. She said it would take 10 business days to go through. 
On XXXX XXXX I got an Escrow Account Disclosure Statement saying I had a shortage in my escrow account in the amount of {$910.00}. I could either pay it in full or have it spread across my monthly payment in XXXX. I chose the latter.I assumed it had something to do with this bill that wasn't paid. 
On XX/XX/XXXX a letter from XXXX XXXX XXXX XXXX XXXX was sent to me trying to collect the {$550.00}. I called Citizens and XXXX claimed they paid {$490.00} for that bill in XX/XX/XXXX, but it was refunded on XX/XX/XXXX. They were going to do a New Analysis on the Account and would have an answer in 10 business days. she said the main parcel with the house was paid $ XXXX turned out the check for {$490.00} was sent to the wrong taxing authority - XXXX XXXX XXXX and was returned. 
On XXXX XXXX I got another letter from XXXX XXXX XXXX wanting to be paid the {$550.00}. A call to Citizen 's told me that amount was due to be paid XX/XX/XXXX. On XX/XX/XXXX another letter from the law office now wanted {$600.00}. XXXX from Citizens said it was paid XX/XX/XXXX and it would take 10 business days for them to see it in their system. XX/XX/XXXX - next letter from law office - fee up to {$770.00}. XX/XX/XXXX - new balance due $ XXXX XXXX XX/XX/XXXX I spoke to a supervisor at Citizens XXXX They would get this paid and cover the penalties and interest. On XX/XX/XXXX I received two emails from Citizens stating my real estate tax was paid- {$600.00} and my tax penalty was paid- {$470.00} all paid from my escrow account. So instead of me paying the original {$470.00} through my escrow account on time, I have paid {$1000.00}! I am now waiting for another Supervisor to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX appears on my credit report and information was sent to a third party vendor unauthorized and shared as a public record XXXX XXXX TransUnion XXXX XXXX XXXX Opened 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 2022-01-04
Company: EQUIFAX, INC.
State: NJ
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-12-05
Company: NAVY FEDERAL CREDIT UNION
State: AR
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:
After reviewing my credit reports I noticed several accounts that does not belong to me. I had my Identity stolen and had a police report submitted. All Navy FCU accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$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