BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My father made me a check from his XXXX XXXX Account on the XXXX of XX/XX/XXXX and mailed it to me on XXXX XX/XX/XXXX. The check accidentally arrived at the wrong address. The individual that received the check forged my name and sponsored it to his bank account. After confirmation with XXXX that the mail was delivered, my father tried to cancel the check but alas the deposit had already been processed to the individual 's account at Navy Federal Credit Union. A formal fraud complain was submitted to XXXX XXXX the XXXX XX/XX/XXXX to try to recover the funds. We were told that it might take up to 120 days for a response. It's been XXXX XXXX XXXX  and still no response. All XXXX XXXX have been able to tell us is that there is no response from Navy Federal Credit Union and there is nothing else they can do but wait for the bank 's response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  credit bureau and Equifax credit bureau is reporting an inaccurate pay history for XXXX XXXX XXXX  stating that I did not pay the month of XX/XX/XXXX. I have attached the pay history that clearly shows that I made a payment of {$140.00} on XX/XX/XXXX. I recall calling the creditor XXXX XXXX XXXX and inquiring why they were reporting no payment made in XX/XX/XXXX when you can clearly see I made a payment on XX/XX/XXXX in the amount of {$140.00} from the payment history. They stated that there was a glitch in their system, that is not my fault and they need to correct my payment history immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint erroneously increeased mortgage payment, then created a suspense account to make payments seem late and charged late fees. 
Tho Roundpoint has admitted in writing that it had no basis for increasing monthly payment and that its action was an error, it refused to correct the payment history despite numerous oral and written requests to do so. Instead it erroneously applied two payments in excess of the amount due to one month. Then they erroneously applied all subsequent payments, which actually were received prior to the due date, as if they were paid in arrears, created a " suspense account '' charged late fees, and continue to demand money in excess of what they are owed under the promissory note.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company named general revenue service contacted both my mother and husband in regards to a alleged debt that is owed. They would not tell either of them what the call was in regards to and what their company did. I myself contacted them after to find out why they were calling and they could not give me an answer. I spoke to a representative who proceeded to yell at me when I told him not to contact any third party other than myself or my attorney. I then proceeded to ask what the call was in regards to and he could not tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am unsure as to who this company is. This company contacted my mother and never contacted me. They contacted her on her cell phone and I have reviewed all of my records and have never received any correspondence from this company. Where is the VOD or validation of debt, if any. I do not know who they are collecting for and at this point the representative XXXX XXXX and her company Hunter Warfield are in clear violation. I am requesting this company cease and desist. They should only be using location information if they are unable to reach me, which they have not tried. I am unsure of what the antics are, I have read a lot on this company but this is my final attempt to get them to cease communication and to close any files they have as I am getting my lawyer involved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Per my Experian Credit Report, they have not updated my information to state that my accounts have been paid on time since in the month of XXXX, XXXX, and XXXX. Per my information on XXXX, and XXXX, my information is currently correct. I would like for Experian to complete their investigation and update their records to reflect the correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
the amount owed on my credit report is not correct. the amount shown owed is {$160000.00} on a rental property I have asked to have this amount adjusted by XXXX XXXX but they have refused. to my knowledge I owed 1 to 2 months rent which should be equaled to about {$1600.00}.

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
Consumer complaint received 2015-07-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian has given my information to companies not having a valid need for access and without my authorization. I contacted XXXX XXXX and XXXX XXXX ; and they claimed there is no record of contact from them nor am I in their system. XXXX XXXX and XXXX were, also, not authorized for access. The XXXX enclosed documentation has been disputed several times as the company, XXXX XXXX XXXX, can not show proof of debt. My records show a XXXX balance and they can not show a record for what the debt is for. Who wins on this one?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan documentation states that private mortgage insurance is to be automatically terminated on XXXX XXXX, 2015. My loan is current and all of my payments have been made on time, yet Ocwen ( who purchased my mortgage ) refuses to terminate the PMI. I have provided them with the document that I signed at loan closing indicating that the PMI is to be automatically terminated on XXXX XXXX, 2015. However, they keep on sending me " Borrower Requested PMI Cancellation '' forms that require me to pay for a current appraisal. The termination document states that the PMI should terminate automatically by the lender, and that this is based on the original home value and the date when the loan is scheduled to reach 78 % according to the original amortization schedule. I have contacted Ocwen several times and each time they have indicated that they will send the issue to their PMI department who has done nothing but send me " Borrower Requested Cancellation '' forms and insist on me paying for an appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Mortgage sold two of my mortgage loan to NewREZ /Shellpoint Loan Serving in XXXX. 
I no longer have access to the monthly statements from XXXX to XXXX   2019 monthly statement from XXXX Website, called them, their VM said they are out of business and contact the new loan servcer, which is New Rez, called them, sent multiple emails to them request the missing monthly statement and ask them to give detail break down how they come up the XXXX amount, which is not correct to me, ask them about my two loan escrow account, NewRez told me they don't have any of the records for me. 
don't the government require them to keep all the loan records and payment records for 7 years? I only requested the record of 2019.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Dual Trucking regulation is violated with CFPB rules Establish strong Protections for home owners facing foreclosure.Need your help Fay Servicing is in process looking a workout solution to keep my home but at the same time XXXX XXXX. wants to precede with the foreclosure the property they are requesting at the XXXX county court XXXX XXXX hearing date is coming on XXXX XXXX at XXXX room XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company Experian XXXX. XXXX XXXX XXXX, TX XXXX for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency Exeperian claimed that Exeperian violated the FCRA by the company Exeperian allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 

Requesting one last time that this erroneous reporting be deleted from my credit file Immediately!

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 2016-07-26
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a letter from Ocwen dated XXXX XXXX, 2016 stating the property address in their records does not match our property. The property address listed in the letter is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX and our property address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Ocwen also has lender paid mortgage insurance and the property address on the policy is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I disputed a debt in writing that a debt collector said I owed and stated in the dispute letter to cease further communication with me or others except for providing me further verification of the debt. I also stated that if they notified a credit agency of the debt that they must tell the credit agency that the debt was disputed. The debt collector both called me again after receiving my letter, never provided further verification of the debt, and reported the alleged debt to the XXXX reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received phone call about debt collection. 
Had dispute with apartment complex I left in 2014. Received bill for carpet replacement after living there 4 years, and when carpet was already old when I moved in. I filed a written letter of dispute within 30 days. Heard nothing for years. 
After getting the debt collection call, contacted the landlord and reached a settlement for {$270.00}. Asked for a bill to be mailed to me so would have a paper trail. 
Got another call from debt collector a week ago, informed I had settled, and said do not call again. Just got another call today and said I would sue if they call me again. They demanded {$350.00} and said they will continue to call. It seems they have added some fees to the amount owed. I 'll have to send a note in writing telling them to stop calling to make my case stronger. 
They are apparently : Hunter Warfield XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I went to Ashley 's Furniture Store in XXXX XXXX, and was told I was approved for up to {$7200.00} made an {$8000.00} purchase and paid {$800.00} cash now the credit card company is saying I was only approved fro {$6600.00} and it dropped my credit score by XXXX points because the account shows overdrawn. Please have Ashley 's Credit Department fix this I was lied by them just to get the sale I see this as a Bait and Switch and a UDAAP violation very deceitful. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I applied online for my free credit report and after the several questions with multiple choice answers I was denied my online report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to refinance my house since XXXX 2015 with XXXX XXXX XXXX. My current mortgage company Ocwen Loan Servicing has not provided the correct or necessary documentation to show that they are authorized to issue the necessary satisfaction of mortgage for my loan. Because of them not providing the proper documentation I am not able to refinance or sell my current home. I have made several phone calls to them and also my lawyer XXXX XXXX and they still keep send the incorrect paperwork.

Company response to consumer: Closed
Consumer complaint received 2015-07-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This information was removed back in XXXX 2015 and then now, XXXX months later it is reappearing!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: PLANET HOME LENDING, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my husband passed over in 2014 ; he would always tell me that if anything happened to him that the mortgage would be paid off. 

the mortgage is in my husbands name only, and I ca n't find the mortgage insurance. 

I notified the mortgage company, and the home insurance company. 
I am the administrator of the estate. I sent the death cert.. and the admin.. document to each company. 
the insurance was put in my name. the mortgage company will not change the loan to the estate of.. 
when the renewal of the home insurance was due the mortgage company would not send the insurance payment through escrow. they stated the insurance policy is not in my husbands name. the insurance company stated they can not have a policy in a deceased persons name. I am the administrator of the property. 
the mortgage company stated to assume the loan, sell the property, or find another home insurance company. ( you can not feel the total disrespect and rudeness I experienced from the worker through my words. ) also every time I call the mortgage company to find out what is the problem I get the prompt, this an attempt to collect a debt and this call my be monitored. 
I have not missed a payment to either company. 
the mortgage company did send a letter stating a name change. I do n't know if I am paying off a mortgage or a transfer to a debt company. please help.

Company response to consumer: Closed
Consumer complaint received 2017-01-26
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card
Issue: Late fee

Complaint:
I have a Wells Fargo credit card. I also have a Wells Fargo checking and savings account. I automatically pay my credit card bill, monthly, using Wells Fargo Bill Pay. They just simply send a e-bill to my checking account, and the funds are automatically sent to the Credit card payment center. This last month they charged me a late fee ( {$27.00} ), saying the transfer did not take place in time, since a " check '' has to be mailed from the Bank to the Credit division of the same bank. I have resolved the issue ( I think ), and the Credit card division said the late fee would be waived and a credit to my account would show up on the next billing statement. My concern is that this is happening at all. The whole process is antiquated. How much is WF cheating others who do not watch for transactions like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
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 filed a few different disputes with Experian and they continually say my disputes are not going to be completed because I do n't supply new information. I have filed and asked over and over again for information on what they did to complete their dispute. They respond to me that they are not responsiblle to tell me who they talked to, who I can contact, phone numbers, addresses and anything else I can use to determine where they are getting their information. I think they are using a computer based system to validate incorrect information on my reports. Both XXXX and XXXX completed investigations using the same information I asked for from Experian and my reports were corrected, by both companies deleting all the incorrect information. If Experian continues to report incorrect information on my report and telling me to have the original company correct it, then the company tells me that Experian must do the same, what else can I do? Both seem to be playing me for a fool. I want this investigation done properly once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
A unathorized charge was charged to my account and Amex refuses to issue credit. This charge is unauthorized and therefore not legitimate. This is because a booking was made in error by a person not unauthorized to use this card. This error was due to my card number being saved in a website ( XXXX ) the person did not realize my details were saved and subsequently made the charge. When this error occurred I immediately contacted the merchant to cancel the charge or refund. Despite all good effort to work with the merchant on this issue we were not successful as they refused to return phone calls to rectify the error. 
During the dispute the merchant provided American Express a copy of the bill/invoice. I would like to state that this should no be counted as supporting documentation as this merely shows that my card was charged for the said amount and does not show I authorized this charge. We already know my card has been charged for this amount so a copy of a bill is irrelevant to my claim of an unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX agreed to remove this debt from my record. This should never have been sent to collections in the first place. It was a case of overbilling. I have paid my XXXX bills in full to 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 2017-03-07
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : AFNI Account XXXX For the last couple of years, I have noticed an account being reported to the major credit reporting agencies, i.e. XXXX and XXXX, regarding an amount AFNI is collecting on for XXXX in the amount of {$1500.00}. 

I finished and fulfilled the terms of the original contract and discontinued service. Apparently XXXX renewed the contract anyway and then added early-termination fees. I have disputed this debt to AFNI multiple times, since the information they are reporting is not accurate, but AFNI does not appear to be taking any steps to investigate the dispute. I understand they are relying in part on information from their client, and they are in the business of debt collection and doing their job, but they do have an obligation to investigate and correct inaccurate credit information. 

I simply wish for ANFI to discontinue collection, send the debt back to its client with an explanation of my dispute, and request whatever information it reported to whichever credit bureaus it reported it to, to be removed.

Company response to consumer: Closed with explanation