BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To the Attention of TransUnion and the CFPB : I have repeatedly attempted to contact and dispute XXXX accounts reported by XXXX XXXX XXXX both by certified mail and also through the CFPB portal in order to have XXXX erroneously reported items removed from my credit reports. Accounts XXXX, XXXX by XXXX XXXX XXXX previously been deleted from my credit reports under XXXX for the amounts of {$280.00} and {$320.00}. These charges are not mine and were never verified to me under FDCPA guidelines and were promptly deleted by the company. Now, XXXX XXXX XXXX has reported the same accounts simultaneously and has ignored my letters of disputes and requests for them to cease and desist under federal laws and guidelines. I have asked them to stop their harassing abusive communication tactics and they have refused to cease and desist. I have enclosed my return receipt and my certified mail return label dating XXXX XXXX, 2015 so that you are aware that over 30 days has passed and this item was never placed into a formal dispute, which is required by law, with the credit bureaus following my letters requesting proof and validation and prompt deletion. I have never been serviced at XXXX hospital and these accounts are fraudulent. I have placed a fraud alert on all three of my credit reports and expect these invalid and duplicated accounts to be deleted from my file immediately. It is illegal to report fraudulent and erroneous information on my file and what 's making this situation worse is that they continue to ignore me and my concerns and keep re-repoting the accounts under different names. I have filed a CFPB complaint against them under XXXX and I would like your bureau to be aware of this. They have violated FDCPA Laws and have harassed my family and left automated phone calls on my handheld phone and have left pre-recorded messages regarding the erroneous debt that they claim I owe. They have not initiated a dispute after I have requested XXXX in XXXX. The only update I have received from them was an update that the credit report to claim that their accounts meets FCRA guidelines, which they do not. Nor do they follow the Fair Debt Collection Practices Act and this agency violates the laws surrounding them. By law these accounts, which are harming my creditability with furnishers, need to be removed immediately. 
Thank You so much for your time. Sorry, but the collection agency is not available on this database and is not responding to me. But it is unlawful to report these accounts to my credit report. please delete them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN missaplied XXXX mortgage payments to XXXX payment due date, and they are reporting that we are 2 months in arrears. OCWEN purchased our loan 25 months ago, and we have XXXX cleared checks to them and a record of timely payments. They made entry errors on our loan, but are accusing us of being in behind -- and reporting that to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PHH the previous servicer of the FHA mortgage loan I had on my residence provided a payoff statement for the mortgage which was the principal plus 110 days of interest. The payoff was made on XXXX XXXX 30 days prior to when the scenario PHH provided was to expire which was XXXX XXXX. 

It is now XXXX XXXX and PHH via their agents on the phone state they are not returning the extra interest and are making varied excuses from the reason they charge 60 days in arrears, which is still half of the amount charged, to the reason that they do n't collect interest FHA does and I need the FHA to refund me the surplus even though they are the originator and servicer. 

Also communicating with their conveyance department is impossible. When I have to key in my loan information it takes over 1h to get through and they do n't accept emails. AS I have no recourse I am now reaching to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Honestly not sure I have this debt collector saying I owe XXXX dollars for a loan I never applied for or got not sure how to proceed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Came out of a bankruptcy XX/XX/2007. After paying on the loan for the 3 years in thebankrutcy, I owed the mortgagae company more than the original loan before the bankruptcy was filed. 
The loan was eventually sold to XXXX and Owcen Servicing was designated as theservicer of the loan. I was offerd a modification by Owcen which I accepted, trems were given and I began the payment cycle. 
I do not think Ocwen is honoring the terms of the agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Yesterday I called Discover Financial to activate my mother 's supplementary card, but was informed that it was cancelled since I did not provided some information regarding her. I have been a Discover card member for close to 8 years, and my mother has had a supplementary card for several years also. 

I have XXXX issues with this:1 ) I or my mother never received any type of notification on this regard. Not by email, letter or pop-up on the website.2 ) I informed that my mother does not live in the US , when the card was originally issues, an therefore does not have a social security number. The agent mentioned that she could n't do anything on this regard and therefore could not give my Mother a plastic. Due to this experience, I will cancel my credit card with you once the current charges are paid. First of all, I am really concerned that my credit card company could not reach me on this regard, and lied to me on the topic. I did not received any information on this regard, even if it was addressed to my mother 's name. 

Secondly, my mother has a supplementary card for other US based financial institutions. I have received similar requests from their part, and I have explained the situation and the necessary steps were taken to ensure that my mother could continue to use her card. I understand the need for additional security, but not having an alternative to accommodate for this situations is unacceptable. 

I was happy to provide any additional information or documentation regarding my mother, but you policies clearly do n't have the vision to provide reasonable accommodations in your " know your customer '' policies. This is clearly a discriminatory lending practice based on a national origin. If my mother lived in XXXX, a place where their government issues these numbers, would Discover have an issue with it? Discover stated on an email, that they request this to everyone, but do they do they validate if a XXXX number is used?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX are accusing me of a medical debt that was paid by insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.

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 2015-11-13
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We recently received a certified letter from our mortgage holder Ocwen Loan Servicing stating that my mortgage is in default due to a missed payment. Moreover, due to this phantom missed payment, they have been charging me for the certified letters and also adding in fees marked " other '' on a monthly basis ; I do n't not have any idea why or what these fees are. I have every statement available starting from XXXX 2013 ( this is as far back as Ocwen 's payment system goes ) and have not missed one payment. In fact, I am generally a couple of weeks early with my payment and always send extra. We sent a letter with all of our statements to Ocwen stating that we have not missed a payment and to please correct their error. They continued with their stance that we are a payment behind but can not show us proof of a missed payment. I called and spoke to them over the phone to find out when exactly did I miss a payment and their response was " I do n't know, you tell me ''. Based on what I can see, somehow they made a mistake and are posting my payments that are a couple of weeks early to the previous month and saying it is a couple of weeks late. Complicating the matter is that they do not provide any statements or payment books. I 've wasted countless hours on the phone with them and they have repeatedly told me to disregard the certified letter, yet my account is being listed in default. I 've read numerous complaints online about this mortgage company and truly feel like they are trying to take advantage of me and lots of other people for that matter. It 's " XXXX vs. XXXX '' and without help, I am going to be forced to make an extra payment that does not exist because I ca n't fight a mortgage giant on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
CFPB case number : XXXX XXXX, XXXX, XXXX, XXXX - XXXX - XXXX, XXXX, XXXX, XXXX, XXXX. CFPB is not allowing me to dispute response from XXXX XXXX with Ocwen Loan Servicing, Consumer Account Analyst, Office of the Consumer Ombudsman letter dated XXXX XXXX, XXXX. Ocwen is using XXXX XXXX to blow smoke circles for them while they hide behind there computers covering up the facts and the truth again only to level attempts to cover up Ocwen continuous fraud against me and several other victims. Ocwen scums may think its going to work but as always it will always caches up with them. Ocwen Loan Servicing use Homeward Residential as a tool to use fraud upon the court, using forged fabricated documents and robo-witnesses to seek fraudulent judgment, then later the cool XXXX thought it would n't come back to bite them, boy it will bite like XXXX. Ocwen scums say they were not involved in the XXXX XXXX Bank vs XXXX XXXX case but they know XXXX well that was the secret tactic plan they used and thought they get away with it. I am glad Ocwen is responding to my consumer complaints with all lies. New evidence will bring you down. I will be filing a new XXXX lawsuit, If Ocwen is able to pull off another fast XXXX against using forged fabricated documents I will never stop until my matter reaches the XXXX court and be given my right to a fair jury trial. Recently, I found out who the individuals working for Ocwen who have committed so much fraud against me and my family. I know who you are and now its time to sue you. I 'm glad Ocwen was able to recently settle CFPB investigation into Ocwen 's servicing practices. ; ) I would like to have the right to dispute Ocwen Loan Servicing 's robo-worker responses. Please provide XXXX with your findings, they have not received a response from you. ; )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
In XXXX 2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from Equifax last week. I sent XXXX emails but have not received credit reports from XXXX and XXXX. 
Equifax continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all three bureaus but still experiencing the same problems today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Experian on several occasions asking for them to validate that XXXX debts are LEGALLY entered on my credit report. I have personally contacted these XXXX companies and asked them to present me with a contract that states that I owe them money or that I am legally obligated to pay them. Per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) this company must be able to present a contract between themselves and me in order for them to report on my credit. They have been able to produce no such agreement. They are illegally listing entries on my credit reports. Experian is complicit in allowing this. Each time I ask Experian to validate these debts they simply come back as " verified ''. I am not sure how this is as I have contacted these companies personally on multiple occasions asking for proof that I have an agreement to pay them and they have not been able to offer it. What is the method being used to " verify ''? 

These companies are : 1 ) XXXX XXXX - provided a contract from a third party that I could not verify, however there is no agreement between myself and XXXX XXXX. I do not owe them any monies. 
2 ) XXXX 3 ) XXXX XXXX Bank ( 4 ) XXXX XXXX It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violations of the FCRA and defamation of character. I have lost opportunities due to this illegally reported information remaining on my credit profiles.

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 2015-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Late XXXX or early XXXX I opened an Experian account to monitor or credit score as we were preparing to buy a home. Once we purchased our home in XXXX XXXX shortly after we canceled all credit monitoring accounts, end of XXXX XXXX at the latest. Unbeknownst to me, each month for the past XXXX months Experian has been charging my checking account {$17.00} a month. As a small number the activity went unnoticed. 

XXXX/XXXX/XXXX I called Experian to discuss the situation to which they now finally cancelled the account and stated that they never received such information to cancel the account. I asked the rep/supervisor to review the activity to verify when the last time the account was accessed, to which he stated XXXX. And as I asked him, why would I pay for a service and not use it over the past XXXX years? Because the assumption was made that the account was canceled. 

For what it 's worth, I remember vividly canceling said account - the amount hurdles one must cross to pinpoint the process to cancel account is ridiculous. Even at present day, there are no clear indicators on how to cancel your account without doing site search. 

The resolution of the call with the Experian supervisor was a canceling of the account and 1-month reimbursement. While recouping last 's month charge is nice, but it 's certainly laughable in the grand scheme of things when you 're looking roughly {$450.00} worth of total charges. 

To sum up my XXXX issues with Experian:1 ) Them dismissing my cancellation2 ) Inability for consumers to easily pinpoint how to cancel an account. all over the site XXXX can sign-up but canceling is much more complex. It 'd be nice if a policy was sort-of set like email subscriptions, publishers must provide an easy to access un-subscribe function

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Switched from XXXX XXXX back to XXXX XXXX XXXX. At the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida was told by the store agent that no credit report would be required because I was with XXXX XXXX XXXX for 10 plus years prior to switching to XXXX for only one year. This all took place on XXXX XXXX, 2015 on XXXX XXXX, 2015 I received a credit alert from XXXX and XXXX XXXX XXXX did in fact request a full credit report not a soft inquiry and this action was against what I was told! I complained to the store on XXXX occasions XXXX occasion with XXXX the store manager and no help from them! I called the Office Of The President and spoke to a XXXX XXXX ( XXXX ) XXXX she took my complaint and stated she would call me back within 72 hours which she did not! I called her on XXXX separate occasions and left her my name and number to return my call reference my complaint and as of today have not received any contact from her! It appears that XXXX XXXX XXXX feels that the can mislead and be deceitful to the public and this does not sit well with me that 's the reason for this complaint! I am very careful and watchful of my credit and with this unauthorized action by XXXX XXXX XXXX has cost me XXXX points off my credit score and additionally remains on my credit file for 24 months from date of inquiry! My resolution requested is to remove this credit report requested by XXXX XXXX XXXX and they be held accountable for being deceptive to me and most likely many others to gain business!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX and XXXX someone made several transactions using my sons account that I am listed as a co-owner of. There was a {$500.00} cash deposit, followed by visits to XXXX Wells Fargo offices in XXXX XXXX and XXXX all within XXXX minutes of each other to cash checks. The majority of those funds were received as cash back with the rest being deposited into the account. 

The transactions are as follows : XXXX XXXX {$500.00} cash deposit at Wells Fargo XXXX XXXX XXXX XXXX {$620.00} check deposit with {$490.00} cash back Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GA at XXXX {$610.00} check deposit with {$490.00} cash back Wells Fargo XXXX XXXX XXXX GA at XXXX {$620.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX GA @ XXXX {$610.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GA @ XXXX {$650.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX GA @ XXXX {$650.00} Cash deposit with {$490.00} XXXX XXXX XXXX XXXX XXXX GA at XXXX {$300.00} withdrawal at NON- wells Fargo ATM at XXXX XXXX XXXX XXXX GAAnd on XXXX XXXX, {$300.00} withdrawal at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GAMy son and I requested a fraud investigation with Wells Fargo that they have closed ever after admitting that it was not my son at surveillance making these transactions. They closed the ( ATM ) case previously after comparing surveillance for XXXX transaction I reported against a second transaction I reported concluding that the pictures matched. I was told that case was being reopened but I can not find any evidence that it was actually reopened. The ( edeposit ) case was simply closed because his ( reported ) debit card and PIN were used to make the fraudulent transactions. After speaking with a supervisor, I was told that it was going to be given a second look and called back ~ XXXX hours later with the news that it was being closed again. The reason I was given was because they had picture/video of someone other than my son making a authorized transaction ( {$50.00} deposit ) on XXXX XXXX. Thereby, essentially giving up his rights to claim fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The account is listed is 9 years old. XXXX XXXX XXXX account number XXXX 
Experian refused to remove this and stated that it was due to be removed XX/XX/XXXX. This was reported XXXX and that would have to stay on my report 10 years instead of the 5 years that the rule requires. This is a flagrant violation of the rules that the other credit reporting agencies have followed. Since I disputed this my score with them has droppedXXXX points and I can only assume that they have reinserted some other accounts that have been removed. My son used to work for Experian and was told to put calls from the FTC on hold for XXXX minutes and then disconnect. According to the rules I can force anyone to disregard Experian and if they do n't I can report them too. Experian wo n't release my updated report unless I give them almost 40 dollars. They just XXXX off a XXXX veteran, XXXX, and a XXXX with an XXXX of XXXX. At this point they are on the verge of reaping a whirlwind. Their legal problems are going to dwarf whatever bribe they are receiving from XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation