BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am an XXXX retired woman who still needs to work to make ends meet. I also receive {$600.00} in SSI. I was diagnosed with XXXX last year and was told I needed to take it easy and only work part time, however, I have not been able to do that. I requested Mortgage assistance w/ Neighborhood Housing of XXXX Florida and was denied, they, in turn, dealt with my mortgage company for over 6 months to get a loan modification to lower my interest rate to 2 % which from I understand am eligible. After months and months of back and forth, OCWEN finally approved and lowered my interest to 2 %, but with a clause indicating to also sign to a balloon which would devastate me and cause me more grieve and hardship. I declined to sign the portion of the balloon but signed and submitted the part of the trial payment for three months which is due in XXXX. I 've owned my home since the early XXXX, and have never been late on a payment. I have been receiving harassing calls in the name of OCWEN from XXXX, and the latest one is a voicemail from an OCWEN representative indicating that my account is seriously past due. OCWEN has been giving me misleading and inaccurate information regarding my mortgage and I am fed up of being taken advantage of. I have dealt with OCWEN in the past for a loan modification through an unscrupulous individual ( who took my money and disappeared ) and according to OCWEN, I did not qualify. Is it legal for OCWEN to grant a loan modification, but at the same time force me to sign a balloon clause that I do n't agree to, or may keep my home when I die? I only have {$60000.00} left on my mortgage and by signing that document, I would have to continue paying that balloon afterXX/XX/XXXXwhen the {$60000.00}. Ocwen has never offered my another solution other than the HARP, I just found out they could have offered another solution, as HARP does not apply to me because I have never missed a payment. Sure I have struggled, just like I am doing now, but a payment has never been late. I also received a communication from OCWEN indicating I no longer qualify for a loan modification because my papers were not submitted in time ( XXXX/XXXX/XXXX ) which is partially true, I only submitted the contract for the trial period signed XXXX XXXX and received by OCWEN XXXX XXXX, this receipt of documents was acknowledged by my " relationship manager '' XXXX XXXX, but he declined my request for the modification because I did not want to sign a document which will jeopardize my finances, my home, and my life. I have made attempts to contact XXXX XXXX to work out a solution, unfortunately, my calls are always outsourced to 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 2017-06-20
Company: EQUIFAX, INC.
State: FL
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 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( Equifax, XXXX, XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date openedXX/XX/XXXXXXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX date openedXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX date opened XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date openedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXXXXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date openedXX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  date opened XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date openedXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 received a copy of my credit reports, I have never done business with this company. I have called several times. They have incorrect information concerning my identity. I asked if they could send me evidence of this opened account and I have not received anything and it has been over 30 days for the credit bureaus investigation. 
XXXX Account XXXX : 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 non-monetary relief
Consumer complaint received 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
need inquired removed from : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to this account they are reporting allegedly on my credit report. To date, I have not received any validation document from this company. More than 30 days have already past and this account is still unvalidated. The account number, balance, opened date, date account assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( XXXX XXXX Transunion ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX 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 2017-06-20
Company: Experian Information Solutions Inc.
State: FL
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 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( XXXX Experian, XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXt date opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX 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 2021-09-24
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I called on XXXX XXXX after receiving my escrow statement showing that my payment would be increased due to property taxes. I am a XXXX XXXX veteran with a property tax exemption letter on my file that has been turned in to this company more than once as this issue has come up more than once. I have had to deal with getting my property taxes removed and escrow taken care of before. I refinanced earlier this year and if they backtrack looking at my account I am sure there is a record and paper trail of it being verified and the documentation and them seeing the property taxes being taken off. I called today XX/XX/XXXXas I was told it would be completed by today and it was even verified on the phone it takes 7 business days which comes out to today as seven business days. My mortgage has been with this company for quite some time so I do not know what the issue is or who is not doing their job but I should not keep having this issue. This needs to be rectified once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ally Financial made an unauthorized inquiry on my XXXX Credit Report.

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 2017-06-23
Company: JPMORGAN CHASE & CO.
State: CA
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:
I inquired about an equity line of credit in  XXXX  of  XXXX  with Washington mutual Chase bank. On  XXXX / XXXX / XXXX , someone posed as me in front of a notary at the branch signed my middle name wrong and found out the branch manager  XXXX    XXXX   was n't even a notary under that commission number that show 's on the deed of trust which I never signed. This loan balance is  XXXX  as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  stole my identity to embezzle {$95000.00} dollars by doing electronic deposits from  XXXX   XXXX . The reason I say it 's embezzlement because those amounts were deposited but never charged to the equity line. I have all the evidence to show the proof of fraud. Never once did I sign or authorize  any one to u se my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is in reference to a dispute I filed in XXXX XXXX with PNC bank. An unauthorized charge for {$250.00} for XXXX XXXX. I received documents to sign, in which I mailed back in XXXX. PNC claim they did not get. Then faxed them in XXXX and was advised they received them. I went to go pay my rent on Sunday XXXX/XXXX/XXXX and could not because they had taken {$250.00} out of my account. I am now being evicted with my minor son due to this issue. I a, fighting XXXX and I have no help paying my rent. PNC customer service has been extremely rude and not helpful. I feel they are taking advantage on my XXXX. I need help please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Good morning I have been a customer of Wells Fargo for many years. I live in XXXX, XXXX. That's why I opened an account at that time, which charges little account maintenance fees. 
In XX/XX/2022 I got a letter from Wells Fargo that I have to close the account because I don't have a permanent address in the XXXX XXXX XXXX XXXX I didn't understand why Wells Fargo is requiring this now and I haven't found any federal law in the XXXX that requires this. I felt a kind of discriminated against at the time, but accepted it. 
I tried to transfer my funds online from my Wells Fargo account to XXXX. Unfortunately, that didn't work out because I don't have a permanent address in XXXX. 
I called Wells Fargo on my own costs and was told that I needed to fill out an Account Closure Form. This form must be verified by a notary, it must be mailed Wells Fargo Bank Exception Payment Account Closures in XXXX and the beneficiary must be the account owner. Since I personally do not have a USD account in XXXX, I indicated the bank account of my wife, who has a USD account, and had this change confirmed by the notary. 
In my opinion, the bank holding the account has only XXXX right and duty, it must clearly identify the account owner. Wells Fargo has done this via email contact and phone contact, but the bank has no legal right to ask for a specific beneficiary. Anyway, my lawyer and I have not found any mandatory law in the American legal system. 
My attached account closure form with a new account in my name and my wife 's name is again not accepted by Wells Fargo. Wells Fargo now requires that my request be confirmed by the XXXX XXXX in XXXX and that the request be sent by mail again, even though I always communicate with Wells Fargo 's compliance department via secure email. 
I don't understand Wells Fargo 's behavior because the money in my account is mine and I can transfer it wherever I want. 
There is no federal law in the XXXX that dictates who I send my money to. 
My suspicion is that Wells Fargo 's action is systematic with the purpose of wearing down foreign bank customers without a permanent XXXX address and forcing them to give up their funds. 
I respectfully request that you address my concerns on behalf of all other foreign customers without a XXXX residential address. 
Best regards XXXX 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 2021-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Back in XXXX, I applied for a deferral on our 2nd mortgage ( HELOC ) due to being out of work and having no money coming in. Prior to XXXX, our account was current and had no late payments that would affect our credit. I was unable to make payments for XXXX, XXXX, and XXXX. I brought our account current and paid the 3 months of deferral in full. When looking into refinancing our home in early XXXX, we noticed our credit has dropped when looking at our credit on XXXX and Bank of America showed that we had missed payments during our requested deferral period. I called Bank of America in mid XXXX to find out why. They told me that my account was current and didn't see any deferral or late charges. After explaining what we were seeing on the credit karma app, and that we were confused why missed payments would be reported to the credit bureau while in a deferral when we were told a deferral would not affect our credit is when we were concerned and why I was calling. I was transferred to different departments, and at times disconnected. Eventually, I was told we had a case manager by the name of XXXX XXXX. When trying to contact him to hopefully get answers, no one had heard of him or knew who he was so I was never put in contact with him. I finally talked to someone who was unable to find anything to show that I put in a deferment request and she told me I was not the only person this happened to. She suggested I request a letter to state that we are in good standing. I did so and we were denied and said that we could appeal it with a written letter. I wrote a letter to appeal it and have not heard anything back and it has been almost 3 weeks since sending that letter.

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 2022-03-12
Company: MIDFIRST BANK
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This is very time sensitive. I have a closing scheduled to sell my current residence XX/XX/22 However to close I need my Partial Claim Payoff Statement. I spoke to HUD & they claim in order for me to receive my Partial Claim Payoff Statement I need to have my mortgage company Midland Request A Claim. Once Midland has requested a claim then HUD will issue me my Payoff Statement. Ive called Midland several times and they are refusing to help me. They just keep directing me to HUD, yet HUD keeps explaining this as a two step process that first starts with Midland Requesting A Claim. Please help me solve this is ASAP

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 2017-06-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have unauthorized inquiries reflecting on my credit report that should not be there. This issue has not been resolved even after complaining to through the Equifax portal, certified letters sent to Equifax, CFPB and BBB. I was told to submit copies of my complaints along with the inquiries that I was disputing to Equifax. Even after doing so, I was told that Equifax does n't dispute inquiries and that I needed to contact the creditors individually to ask them to remove the unauthorized inquiries. I spoke with each of the creditors and was told that because I do n't have an open account with them they are unable to provide me any documentation to have the inquiries removed because they have no record of me in their system. I am always given the run around and Equifax has been unwilling to help me get this matter resolved. They even put a fraud alert on my credit report ( which I recently requested to be removed ), but did n't resolve me issue at all from previous inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This will be my second attempt to file a complaint as my first on miraculously disappeared even in taking a screenshot of the ID number XXXX Sent request for dispute and all information pertaining to accounts in dispute on XX/XX/2022 and all delivered by XX/XX/2022. 

XXXX failed to honor my dispute and pretty much sent me a letter stating, doesn't look like you sent this but thanks for trying. I sent the required information as well as paying to have it sent certified mail, only to be ignored while the other XXXX accepted the matter ( s ). I didn't realize that strangers had copies of my drivers license and an insurance bill to send off to get someone else 's credit report fixed. To add insult to injury, they didnt even provide a way to get in contact with them to even reply. No phone, no email, no contact name at all. Only a file number with no directions as to what information was needed to proceed. 

Equifax provided no information to advise that this debt was mine. I asked for all information be sent to me and nothing but a verified letter with the exact same information copied and pasted from my report ; therefore, I must not have any type of contract with them stating that I owe this debt. How was this investigated with no additional information provided?? 

XXXX was the only XXXX to investigate and delete both accounts. So how is it that XXXX was not able to verify the accounts to be correct, yet Equifax did??? IF ALL bureaus are to report ACCURATE information, something is wrong and it all seems very suspicious. 
15 USC 1681 Section 602 A ( 4 ) states that I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions which I did not give. 15 USC 1681 1681 section 2 a ( i ) 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. 

Account Name : XXXX ( Next Level ) {$210.00} Account Number : XXXX Please remove from my credit report Account Name : XXXX ( XXXX ) {$220.00} Account XXXX Please remove from my credit report

Company response to consumer: Closed with explanation