BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen Bank submitted a Motion to Default on the home loan while I am currently 50 % ownership and was protected under the Bankruptcy  Chapter  XXXX  laws.   XXXX      XXXX  Currently I received an order substituting Plaintiff to    XXXX   XXXX    ( originally  Ocwen  ) which t he order was filed before I received the notification about the substitution which I oppose and will submit this to the court.    Ocwen  filed the Default and   XXXX   XXXX   XXXX   wasnt assigned  the servicing company on public records or properly notified all parties of ownershi p of such change.   I am the other person who has legal interest in the property and the one that is not receiving proper notification or servicing..   Please submit this to the highest level of investigation as you will find o ut Fair Foreclosure Act has be en violated along with other discrepancies with this process.   This appears to be an under handed way to obtain a summary judgment without serving me the proper complain t, notice of intent to foreclosure or corrected notice and since Ocwen is   trying to substitute Plaintiff   XXXX   XXXX   XXXX   XXXX   as Trustee for  XXXX  Master Participation Trust seems to be a conflict in its self since they have not submitted any documents as well.     This is  XXXX  starting all over again with in proper banking practices and attorneys filing documents without notification to all legal interested parties.     Robo signing practices no  XXXX  checking all servicing documents etc

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: U.S. BANCORP
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had overdraft fees that was placed on my account because of unauthorized charges. US Bank did side with me that charges was unauthorized. But a US bank representative was only able to give me up to 2 overdraft fees back. I didn't dispute what she said. I came directly to CFPB here next to get the rest of my overdraft fees. I had a total of 5 unauthorized charges on my account ; so I am here to get the other 3 overdraft fees back. Thanks for your quick and prompt response to this dispute.

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 2015-04-13
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a negative item on my credit report from ShellPoint Mortgage Serv which was opened in XX/XX/XXXX. The original debt was with XXXX XXXX XXXX which has since been absorbed by ShellPoint Mortgage. It was the joint responsiblity of myself and my exhusband, XXXX XXXX. In XX/XX/XXXX I filed Chapter XXXX. All of my debts were discharged in XXXX XXXX. I have contacted the company, including an officer of ShellPoint to try to get this resolved on all three credit reports. The company will not correct their records. I am taking significant hits since this is a negative itme on my credit reports, the ONLY negative item. 

Can you help me? 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 AM THE VICTIM OF IDENTITY THEFT AND ATTEMPTED TO GET  XXXX  ACCOUNTS BLOCKED VIA FCR A 605B. 1. )   XXXX   XXXX   XXXX . )   XXXX   XXXX  . THEY HAVE MADE IT EXTREMELY DIFFICULT TO GET THIS BLOCKED. 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 2017-05-05
Company: Experian Information Solutions Inc.
State: OR
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 AM THE VICTIM OF IDENTITY THEFT AND ATTEMPTED TO GET  XXXX  ACCOUNTS BLOCKED VIA FCRA  605B.   XXXX . )  XXXX   XXXX   XXXX . )   XXXX   XXXX  . THEY HAVE MADE IT EXTREMELY DIFFICULT TO GET THIS BLOCKED. 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 non-monetary relief
Consumer complaint received 2016-04-14
Company: Shellpoint Partners, LLC
State: SC
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Shellpoint Mortgage Services XXXX, fraudulently Increased the interest rate on my mortgage and then put my loan into collections when I disputed the new interest rate. I submitted my " borrowers copy '' of the loan documents stating the rate of 2.25 % for 40 years. They have not provided me any information and have placed me on a " dual track '' accelerating my loan into collections and foreclosure while they are " reviewing '' my dispute. I have never been able to speak with or have received any communication from a personal loan specialist over the past 4 months. I have spoken to over XXXX different customer service agents, non of which can help me and give conflicting information each time I call. I have been given longer " review '' times for my interest rate dispute each time I call. The first time I called I was told the review would take XXXX4 days, then up to a week, then XXXX14 days, then up to 30 days and the last time I called they said it could take up to 45 days, but no one is ever available that can let me know where they are in the process or provide me any information. I have recently been told that they may file for foreclosure on my home in 2 weeks. I have been paying my mortgage for 10 years and I was never late on a payment. I just do n't understand why Shellpoint Mortgage Services is allowed to play games and not give me a point of contact that actually works there and I 'm able to speak with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance. Review carefully and follow the law.

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 2015-08-20
Company: National Credit Systems,Inc.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company is trying to collect a debt that is a court case in XXXX Idaho Superior Court. The Case is " SEALED " and no party is allowed to make public anything involved in the case. The debt is subject to further litigation for fraud against the person ( s ) involved in the case. This company is prematurely report and trying to collect inaccurate and fraudulent information. I have sent them many forms of proof via mail to include XXXX pages and pics. However, I was informed by Legal Counsel not to do this because the case is sealed and that if they do not stop reporting this information or parts and various parts to the public I was to file a complaint against them and or sue them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Cash advance fee

Complaint:
Twice in XXXX 2016 I was charged a {$20.00} " cash equivalent fee '' and {$2.00} minimum interest charge ( with interest ongoing ). These are associated with XXXX routine transactions which are not in dispute. Elan Financial Services told me : " Your transactions to XXXX XXXX XXXX XXXX XXXX XXXX for {$25.00} and for {$17.00} were processed as cash equivalent advances. Cash equivalent transactions are assessed a fee of {$20.00}, or 4.00 % of the advance amount, with no maximum, whichever is greater. Cash equivalent advances include wire transfers, travelers checks, money orders, foreign cash transactions, casino gaming transactions, betting transactions, and lottery tickets. '' However the transactions were not for any of those cash equivalent advances : they were for routine fee for service shipping services. I have requested those charges be corrected. Elan has refused.

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 2021-01-18
Company: JPMORGAN CHASE & CO.
State: IN
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:
Chase Auto is reporting a late on my credit account and I was never late! I recently checked my credit and noticed that Chase Auto is reporting a late on my credit file that is not valid. I have never been late and the late reporting is on a month I made the payment over the phone. I spoke to the representative and they took the payment out that day so how could I have been late? This is not my fault, my payment was made on time to you and you need to remove the late off my credit file. I can not have derogatory marks on my credit because someone didn't know how to do their job. Please remove the late off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
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: Old information reappears or never goes away

Complaint:
XXXX    XXXX  , Equifax removed accounts and inquiries due to their inaccuracy and false reporting. Upon reviewing my report, I noticed that everything that was once disputed and removed has been added back onto my credit report. I did not receive any notification that these items would be added back. I am demanding that each and every one of the items that were once removed for inaccuracy be removed once again. This is affecting me negatively and hindering me from moving forward. Equifax has not provided any form of validation whatsoever and yet these inquiries and accounts are being reported. I have attached proof of these inquiries and accounts being removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: I.C. System, Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The bill was paid to a different collection company. We have spoke to ic systems and provided proof of payment of the bill and they still will not remove it from my credit report. They still request payment even after XXXX XXXX XXXX stating that there is no bill due. I spoke to XXXX to verify no bill was due and indeed no bill is due and they told me to tell I C System to prove the bill is due or remove it from my credit report and they refused.

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 2015-09-19
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ThePENN CREDIT CORPORATION XXXX call my number at least XXXX or XXXX times everyday and as late as XXXX on Sunday 's I answer and tell them to stop calling but they continue. This has been going on fo at least 6 months. Many times it 's a recording.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Experian Information Solutions Inc.
State: GA
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:
D espite the evidence I have provided indicating that the Collection Agency    XXXX   XXXX   XXXX   violated Federal Laws in the handling of this debt -- both by failing to notify me about it prior to reporting it to the Credit Reporting Agencies on  XXXX / XXXX  /2016  and then refusing to forward the debt back to the creditor in response to my formal dispute of the charges on  XXXX / XXXX /   2016 after  I was notified about it on  XXXX / XXXX /   2016  -- the  Credit Reporting Agencies  have persisted in listing the debt as valid, despite my disputes submitted concerning the validity of the debt because of the Federal laws that were violated in how it was handled by the  Collection Agency assig ned to it.

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 2015-08-11
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have an account that is fraudulent that have been listed with your agency and have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My first mortgage holder, XXXX XXXX XXXX transferred my loan to XXXX. This was after it fraudulently sold the defaulted loan to investors, and after it made a claim for the FHA insurance and converted the loan to a conventional loan. I dd not receive an updated notice of this new loan and its terms. XXXX bought this loan from XXXX XXXX XXXX last year, and my wife and I worked with XXXX to do a short sale, all the paperwork was done, the payoff notice was sent from XXXX, the payoff check was ready, the deal was to close on XXXX XXXX, 2016. On XXXX XXXX, XXXX sold the loan to Shellpoint, refusing payment, thereby invoking UCC rules. Shellpoint has no valid claim to this debt. By refusing to take a payment that would have made more than the full amount of the original loan, more than what XXXX paid for the loan, it is no longer entitled to the debt. Nothing more is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-12-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This regards my XX/XX/XXXX complaint re : JP Morgan Chase - XXXX They made XXXX attempt to call me- but after XXXX calls that I made, they will not return my call or return my money which they hold- {$23000.00}. The original failed wire occurred on XX/XX/XXXX and since then, they have not returned any calls, not returned the money and not responded to anybody from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX or myself. The recall was made XX/XX/XXXX. I need MY MONEY so I can pay my bills immediately. I've made more than XXXX emails and XXXX phone calls and I'm getting NO RESULTS from anybody. This was a one-digit error on a wire, and they have simply kept my money, will not return it - and will not call back. They need to return my funds immediately and receive a penalty - I've spent days on this and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Upstart Holdings, 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:
I am having major issues with Upstart and their horrible reporting issues. First my payment in XXXX they kept having issues processing payment. They charged me a late fee when the issue was on their side as I kept having to wait for them to add the bank account and verify. I also responded in multiple emails for them to charge my account which they kept making excuses for saying that I responded to the wrong email or missed a word. It was ridiculous and I told them I refused to pay their XXXX late for their issues. I made the payment for XXXX My payment due was XXXX. So they instead reported my account as past due for the month for XXXX which was the balance of late fee which I refused to pay due to their errors since I paid XXXX which was more than payment due. They still have not fixed on my account as paid on time on credit reports, but found the investigation and ended up refunding me XXXX in XXXX for the error. Which is attached in emails. Next I made my XXXX payment for XXXX. I sent them copies of my bank statement as well as the screen shots added and they still said it was late. They told me my bank account was Frozen. Which again is not true because then they withdrew on XX/XX/XXXX and XX/XX/XXXX from that same account XXXX more payments. They have tons of issues and I am tired of them reporting incorrectly. Claiming my bank account is frozen even though they have taken XXXX payments from it and then reporting my account as late incorrectly on my credit causing irreparable harm and stress. Then to add insult to injury you will see in all the emails when they are wrong they do not respond for 15,25, 30 days and half of the emails bounce back. So they do not respond in any timely manner what so ever!!! This is by far the worst company to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On  XX/XX/2017    @   XXXX   I sent {$40.00} to my daughter via Walmart  money gram . When she went to get the money, they would not let her have it, they told her she was not old enough, she is  XXXX . I called the  XXXX  number provided by Walmart to have the name changed, they would not do this.The man then cancelled the transaction and told me it would be  XXXX  business days before money was refunded to my card. The total of {$40.00} plus {$5.00} fee. This is outrageous, no where on site does it specify age. He then said I could not use the money gram site again. I need that money now for my child. The reference # is  XXXX . Any help you can give me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2021 I made a cash advance transaction at XXXX XXXX in California in the amount {$2300.00}. Bank of America charged me a CASH EQUIVALENT - TRANSACTION FEE OF {$120.00} on top of the fee that the hotel already charge me. This caught me by surprise because Bank of America never listed this cash advance fee in their monthly statement sent to me. When I called them, the supervisor said that it was on my disclosure which was not even listed in all of the documents that i can look up in my online account. Bank of America has not done their due diligent of being transparent to the customers about their fee. They need to be put on notice.

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 2016-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Overdraft, savings or rewards features

Complaint:
I was over fraft with bank of america for XXXX $ and they closed my account and also put me through the XXXX which will not allow me to open a regular bank 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