BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-27
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
OnXX/XX/XXXX I pulled my credit report and noticed that Ocwen has not closed my mortgage loan even though they received {$130000.00} that paid off the loan completely. I notified them through email on that same day (XX/XX/XXXX ) and they responded on the same day that they received my email. A couple days later I received a letter from them that stated " credit reporting for each month is made by the third ( 3rd ) week of the following month. The loan will be reported accordingly forXX/XX/XXXX in the third ( 3rd ) week ofXX/XX/XXXX ''. Well the third ( 3rd ) week inXX/XX/XXXX has come and gone, and Ocwen has failed to report timely and correct information as they had stated in writing. Please see attached copy for Ocwens response. 
With Ocwen failing to provide true and correct information to the credit bureaus they continue to harm my family financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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 information incorrect

Complaint:
I have multiple inaccuracies with XXXX XXXX Account on my profile. 
XXXX, XXXX & Transunion are also showing the following inaccuracies : Date Opened : TransunionXXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX High Credit : Transunion- {$26000.00} XXXX- {$26000.00} XXXX- {$7900.00} Last Reported : TransunionXXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX Comments : Transunion-Charged off as bad debt Profit and loss write-off XXXXUnpaid balance reported as a loss by the credit grantor. 
XXXX-Charged off account Auto Date Last Active : TransunionXXXX XXXX XX/XX/XXXX XXXX Date of Last Payment : Transunion-XXXX XXXX- XX/XX/XXXX XXXX The account that XXXX XXXX is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!

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 2022-04-03
Company: Ark-La-Tex Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am the owner/landlord of one of the property at XXXX, Texas. I have an escrow account with Benchmark Mortgage company and they haven't paid 2021 property taxes yet, even though I have enough amount to pay the 2021 property taxes in the escrow account but due to their either unprofessionalism or negligence they haven't paid the taxes yet. I have been receiving letters from the tax company regarding the penalty charges and due date passed for 2021 taxes to be paid. I called benchmark mortgage company and explained everything about this issue, they mentioned that they will take care and resolve this issue in next 20 days, however it's been more than 20 days till now and they haven't taken any action or paid the taxes yet. I need resolution on this asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/2021 I attempted to make a purchase using my Express Card managed by Comenity Bank. The transaction was declined. I contacted Comenity Bank through their website, stating that the card appears to have been closed and asking them to reactivate the card. Comenity 's Customer Service responded on XX/XX/2021 stating they closed the account for inactivity and that they could not re-open the card, but invited me to reapply for a new card.

I do not wish to set up a new, separate account since this would create multiple tradelines on my credit bureau report, and affect the age of the account ( and thus my credit score ). Comenity 's action impacts my credit report and I seek relief under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a prime example of Willful Noncompliance I am exercising my right under the Fair Credit Reporting Act, Metro II Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1, 15 U.S.C. 1681s-2 ( b ), 15 U.S.C. 1681, et seq, and 15 U.S. Code 1681n, I am request you remove this item immediately. XXXX XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting Agencies ( CRAs ) and correct inaccurate information. See 15 U.S.C. 1681s-2 ( b ).

Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( XXXX XXXX ) -Accounts not reporting monthly updates. 
-Willful Noncompliance 15 U.S. Code 1681n ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The reasons why this is violating my rights by not following Federal Law as Authorized.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted 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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX was reporting inaccurate information on my credit report that has caused me significant harm to me and my character. This has held me back from getting financial gains. I had requested so many reinvestigations about a XXXX XXXX account that was being reported and sold without my consent. Now the two XXXX XXXX accounts are not viewed on my XXXX report however XXXX has the fiduciary duty and obligation to notify all furnishers, Transunion, XXXX, XXXX, XXXX, of this inaccurate reporting and XXXX has failed to do so. All other furnishers are reporting inaccurate information on my consumer report and this too is causing me significant harm. XXXX has failed to fulfill their obligation pursuant to the Fair Credit Reporting Act, for the banking system is depending on fair and accurate reporting of the consumer. Also XXXX failed to delete all inquires on my account and also failed to remove the fraud alert like instructed to do by the consumer. Demand removal of job information

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 2017-08-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On Thursday XX/XX/XXXX I submitted two checks electronically ( I had left my debit card at a friends and had n't retrieved it yet ). Throughout the weekend and into Monday of the next week I used my card. The eclecteonic checks showed pending over the weekend and I was under the impression my account wa seer up that if I did n't have the funds my card would be declined. My card was not declined throughout the weekend. During Monday night processing, the debit card transactions all posted but the bank then posted the checks after the debit card purchases. Even though they had be submitted prior. I called the bank to dispute the fees because the ACH transactions had appeared on the account when purchases were made yet posted after the debit transactions. The agent ( and manager I spoke with ) said that posting order had been changed and now checks posted after debit card transactions. ( Which is think is predatory since they can no longer charge fees for debit card transactions that they authorize if funds are n't available. ) Neither the agent or the supervisor knew when the posting order had actually changed and when I asked the manager XXXX to speak with her supervisor about it I was told that I could n't speak to them and they did n't speak to customers ( I looked at the banks published information online as directed by the supervisor and qouter to her what the online materials said and she argued that that information was incorrect and that I must be looking at the wrong banks information ). I have since been charged another fee for sustained overdraft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection on my credit report from  XXXX . The original creditor is listed as  XXXX   XXXX   XXXX . This bill was paid by my insurance. I have never received a bill for this debt prior to it going to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On  XXXX / XXXX /   2017  I initiated a transfer of {$500.00} from  my Wells Fargo ac count using the SurePay system to my cousin who uses   XXXX    XXXX   XXXX . It generated a reference number #  XXXX  and my cousin also got a text message on her phone indicating that the funds were received. However, when she checked her account, the funds were not there. She immediately called  XXXX   XXXX   XXXX  to inquire, but they told her I 'd have to submit a claim through my bank because they saw no record of the funds.     Since then, I have submitted two claims wit h Wells Fargo (  Claim #  XXXX  &  XXXX   ).   Wells Fargo has closed both claims, stating that the funds were posted to an account but can not rele ase any additional information. My cousin has tried to inquire with   XXXX    XXXX   XXXX  but they refuse to provide any in  formation either.
Wells Fargo h  as told me that it 's possible  I may have  entered the incorrect phone number when I initiated the transfer. However, she got a text message indicating the transfer took place.     After opening up a claim by phone, which got rejected, I decided to send a complaint to  Wells Fargo through my online banking but this was the response I got : " ... The claim is closed beca use the transfer was sent as requested. '' The response we 're getting from both banks suggests I 'll have to absorb a loss of {$500.00} and no one can help me. I 'm very disappointed in my bank for not even attempting to help me recoup the funds.

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 2017-06-12
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On  XXXX   XXXX , I contacted this company about something I have noticed on my credit report that was opened on  XXXX . I informed them that I was never in any medical facilities and I have no knowledge of this account. They informed me that that 's what they received and they are not Going to do anything about it to investigate. I disputed that on  XXXX   XXXX  with the credit bureau. I do n't understand why I was n't contacted about this and how someone can just post something on your credit report without contacting you to verify that you actually owe that debt. This company is committing a fraud by submitting some documents that are clearly fraudulent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have b een complaining to the company and the CFPB for years about the lack of annual fee notice and Capital One 's fees. For some reason, they have listed my previous balances as mainly cash advances. However, I have not made any cash advances in about a decade ( 10 years ). They have been charging for purchases and also labeling them as cash advances. I have not had any cash advances in a very long time ; cash advances fall in the 25 % interest rate. There is no way I have had a balance of cash advances for over  {$2900.00}, I only spent money on purchases, and only a few cash transactions years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The amount I 'm paying is n't an issue, they told me not to do a ny payments for 3 or 4 m onths last year to which they where adding more interest and charges to my account. They defaultedmy paym ent one t ime and asked me to pay double the amount due to their issues with their server. I do n't see a decrease of my total account but I do see it rising for some reason, tried to find out why but I believe they 're making me run around circles. I 'll have to refinance somewhere else but I want to make the total payment settlement low to take out their unnecessary interest and charges that was n't even my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX, is trying to collect a debt as per the letter dated XX/XX/XXXX, sold by Florida Department of Revenue, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Business Partner # XXXX, amount {$1300.00} after the Debt was paid in full. This Debt was paid in full and the satisfaction was recorded on XX/XX/XXXX in XXXX county public records ( Copy Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: I.C. System, Inc.
State: FL
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:
This collection agency is fraudulent reporting this collection to my credit bureaus

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 2021-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried to contact Equifax on the issue of the violation of which needs to be resolved. 
I did not give my written consent to have the following items reporting on my consumer report, and No consent is Identity Theft. 

XXXX XXXX XXXX XXXX Ithink XXXX XXXX XXXX Under 15 U.S.Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I would like to have proof providing that I gave written consent for these items to report on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, I requested a forbearance on my mortgage with LoanCare and at the time I was 30 days past due. I made the past due payment in XXXX, but my credit report shows I was 30 days past due until XX/XX/XXXX ( See attached image ). Every time you call LoanCare you hear the forbearance recording and in that recording it states that " if you are able to bring your account current during the forbearance plan, we will report it as current ''. ( Part of recording is attached. ) When I talked to the LoanCare representative and told her what the recording said, she stated in was miss leading and what it mean, was if you had a missing payment and paid it and the forbearance payments then your account would be current. 

Also, when I tried to log in to my account to get a payment statement to attached, I could not, even though my username and password were correct. When I called them, there were XXXX callers ahead of me in the queue. Unacceptable!

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 2017-06-12
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
" Payment Pending We are still waiting for funds from a recent payment. Your account will be restored as soon as we receive funds. " OnXX/XX/XXXXI got a message that my XXXX ( {$99.00} ) was reversed by my bank due to my account not having enough. So okay, that was my fault. But they have options to repaid it. I clicked on XXXX credit card to pay for it. ( I have used it 3 times with no problem on purchase of ETH ) And it 's been exactly 10 days since and my account is still saying. " Payment Pending We are still waiting for funds from a recent payment. Your account will be restored as soon as we receive funds. '' But credit card are suppose to be instant payment. My three eth purchases were brought immediately. So I do n't understand..It 's been 10 days. I emailed, XXXX, forum, NO response. Update : I received a response on XX/XX/XXXX " XXXX XX/XX/XXXX XXXX Hi there, Im very sorry for the recent transfer difficulty. It looks like our system has been attempting to automatically reconcile an unpaid balance on your account. This happens when your account has withdrawn digital currency that was never successfully paid for. At the moment, a bank transfer issue is preventing us from confirming if this overdraft is resolved. Our engineering team is working to resolve this issue as quickly as possible, and I will get back to you with an update as soon as we have further information on your accounts status. Thank you for your patience as we look into this, and if you have any questions in the meantime please dont hesitate to reply to this email and well be glad to help. '' I have thousands in there and this is insane as I can not access my account! I can not buy or sell my coins. And I can not withdrawn my funds, but I need to sell first. Please help me, either remove the XXXX LTC, or let me paid it via my other coins OR please check my account and see why my instant payment credit card hasn ; t been through?? This is crazy, outrageous, and coinbase is n't replying to me and others in the same boat. Reply to me and fix my account and I will share to XXXX that my account was fix and to not worry. XXXXuse almost everyone is extremely worried right now!!
Desired Settlement : Finish the Job Please help me, either remove the XXXX LTC, or let me paid it via my other coins OR please check my account and see why my instant payment credit card has n't been through?? AND restore my account, allowing me to buy or sell!!!!!!!! Comment : Seriously, it 's crazy..the system is glitched, they do n't know how to fix it. And my coins are still locked that are worth thousands!

Company response to consumer: Closed with explanation