BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-30
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Based on the my review, I notice that Ocwen loan servicing is alleged unlicensed servicing activity in Maryland not license or have consent order file with Maryland Commissioner XXXX XXXX and no longer eligible to collect a debt form the homeowners in the state of Maryland. I 'm facing preditory lending and respa, Truth n lending violations, In violation of escrow agreement, Ocwen licensing was suspended under unfair business practices XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Therefore I request for Ocwen to show proof of claim/debt and all my payments be returned, I 'm going to continue to pay my taxes and insurance without escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
XXXX XXXX Companies : 1. XXXX XXXX. Capital One 3. XXXX All cards could not be paid for because of unemployment and credit score dropped by 150.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

Accounts : XXXX XXXX XXXX XXXX XX/XX/18 {$210.00} Inquiries : XXXX - Card Service 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 2017-01-31
Company: WESTERN UNION COMPANY, THE
State: AL
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
This is the 3rd instance where I 'm sending an international money transfer with Western Union and there is a screen asking for bank username and password. I have notified Western Union and they reported that there is no such request from their website and have not been willing to follow up with this and resolve it. My bank account was just compromised and this is the only website that had access due to this screen built in. I took a screenshot this time to prove it. The company should be fined or shut down for encouraging data theft and not investigating it properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter to XXXX XXXX XXXX  related to a reported late payment being reported in my credit report. I notified them that I am disputing this and asked for verification or proof bearing my signature. Within 30 days I had heard nothing back from them nor did they Mark this item on my credit report as being disputed. I sent a second letter to them on XX/XX/XXXX which was received XX/XX/XXXX. My credit report still doesn't reflect that I'm disputing the item in question and I haven't heard from them since they received this 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 2016-05-05
Company: Global Lending Services LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I had a loan with Global Lending service that was set up by XXXX. For one year I paid XXXX a month to them and not once were these payments reported to a credit agency. When I went to refinance the car I was informed that Global lending was not federally insured and therefore I would NEVER be able to be refinanced by a reputable lender. I went to XXXX to talk to them and they could not find anything on my credit report regarding Global Lending. I was so distraught about this that when I went to XXXX I was very vulnerable and alone. They knew I was there to get my payment down. When I left there I had a brand new XXXX with a XXXX payment which is too much. I recently had found out my identity was compromised during a background check for a job, my hospital records were among a group of records that were hacked and a satellite internet company had posed as direct TV and took my debit card number. I was pretty shattered at the time and now am stuck with a XXXX payment on a car I did not want. I went through bankruptcy in XXXX to try and pick up the pieces of my life and hopefully get things back together. No positive credit was garnered by my relationship with Global Lending causing my credit to still stink. Is there anything that can be done? Where should I turn? I am completely at a lose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not a treat a payment on a credit card account under an open end consumer credit plan as later for any purpose.

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 2022-09-13
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recieved this letter in the mail on the date of XX/XX/2022 in the account number is XXXX the XXXX  account number is XXXX its says balance due is XXXX this isnt something that I have any knowlodge of please give me a call at XXXX so this matter can get handle thanks.

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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
had problem with my credits history on my billing statement and had to make few calls to get it solved, and i believe my ID had been stole by someone as i found out there was another name on my account i have never use cause it is misspelled and i also found there had been applied for cards or loan. I don't recalled applications any of those on my records so i see now i am being caught who is using my id and trying to fix this. There was a struggling moment i had follow up with cause i feel someone is taking advantage of me and my credits. there is lots more i see on my credit reports. Need someone to help me to clean this up cause it hurt me a great deal i struggled over the years to clean this mess i didn't do, and remove these fraudulent accounts from my credit.

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: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7700.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Everest Receivable Services Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I kept receiving calls from everest receivable Stating I owe them for a credit card that was removed from my credit report. They stated that I still owe {$3000.00} and some to them. In requested for the original paperwork from XXXX and they told me I had To contact XXXX directly to get original paperwork that was signed off to Everest receivable. I then told them that I was looking to buy a car in the next year and they suggested that they arent saying it will be reported to my credit report but without a payment plan set they cant guarantee they wont report it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not a treat a payment on a credit card account under an open end consumer credit plan as later for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm filling this complaint against the following companies XXXX XXXX and Choice Recovery. It all started when I apply for a loan I discovered this fault information reported by this XXXX companies on my credit file. I contacted the company in writing asking for debt validation they ignored my request. I hired a law firm to work on my behalf they also ignored my lawyer request those companies thinks they're above the law. XXXX XXXX and Choice recovery has a history of fraud. I was in a car accident in 2018 my insurance company paid XXXX XXXX  in full for both of my XXXX  XXXX. My lawyer has all the evidence I don't own either of this companies a XXXX. These fraudster 's has damage my credit I plan on seeking legal actions against both of them. I attached all the letters from me and my XXXX that was sent out to the companies and the credit bureaus. 

XXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER for Choice Recovery

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I opened a business savings account ( XXXX ) XXXX on XXXX. Under which time I was informed that there will be a 9 day business hold on all checks for the first 30 days. Subsequently, made another deposit and to sign up for online, I was told that there would be a 9 day hold on all check deposits for 60 days. Informed him that was unacceptable " as a business I need to have working capital '' states where there is a 60 day. Once last check cleared closed my account, he explains that there is a {$25.00} fee for early acct termination. Explained I was closing due to the 60 days window, states well that the policy for new accounts. Called to complain and with both of us on the phone I explain that there had been no disclosure stating 60 day hold. He looked through forms and stated that I was correct, but he was not willing to refund me the {$25.00} because I closed my account based on the information that I received from him. 
I would like the {$25.00} refunded to me - this is totally taking advantage of consumers, I can bet there are more out there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporter act XXXX  acct # XXXX XXXX  XXXX  has violated my rights 15 u.s.c. 1681 section 602 a states i have the right to privacy 15 u, s, c, 1681 section 604 A section 2 states a consumer reporting agency can not furnish your account without my written instructions

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 2022-05-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I filed FTC XXXX. The option selected was Identity Theft ; and my TD Bank account ending in XXXX was XXXX of the accounts that the suspect, XXXX, is still attempting to take over. 

Well, now, what XXXX has gone ahead and done on a repetitive basis is switch the debit card or the sim on my card in the midnight hours while I'm sleeping. Every time I leave my wallet in my XXXX XXXX unit, XXXX, he continues to trespass and go into my wallet there, XXXX XXXX XXXX XXXX, XXXX, FL ; or at my Mom 's apartment, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX. Each time XXXX and his team players switch my card, the history becomes " new '' again. So, as of today, I have NO WAY of looking back to anything that is older than 60 days ; and my account was opened by " me '' in person with Bank Employee XXXX back in XXXX of XXXX. 

With that said, there's currently two problems with XXXX different company/organizations. One problem is with the XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. So far, for my XXXX High School Anniversary ( Reunion ) that's taking place XX/XX/XXXX I have paid the {$50.00} Membership Renewal Fee, {$10.00} Registration Fee, and {$35.00} Luncheon Fee. This week, I authorized the Staff Helpers to run my card for {$150.00} for one hotel night, XX/XX/XXXX -the XXXX. Upon doing this, I decided to place the email in my XXXX XXXX Society inbox folder that I created for XXXX. When I clicked on the folder, I noticed the " receipt '' for the XXXX was missing. So, I attempted to look for it via the SEARCH icon in my inbox, and there was no history. Therefore, I emailed XXXX at XXXX regarding this matter and asking her to email me the receipt again. Then I went into my TD Bank online account and pulled up the history ( 60 days ) and the amount {$35.00} came up as cleared. So, I took a screenshot of that and emailed it to XXXX. Yesterday, XX/XX/XXXX, I called the Organization and informed them about the emails and how it's okay to run my card for {$150.00}. 

Well, today, the card still has not been ran and I perceive I'm dealing with a fictitious online account. This is why XXXX continues to tell everyone I'm spending his money and I'm really not! I'm spending money I deposited. The deposits are coming from my self hard earned money. So, if that's not the case, why is he busy trying to steal my luncheon ticket, and pretend he's paying for a hotel room when it's me? Also, why is my XXXX XXXX transaction missing for {$32.00}? I did not make XXXX  transactions with XXXX XXXX on XX/XX/XXXX. I placed an online order for XXXX transaction that contained XXXX items in it. Who deleted the {$32.00} and made it XXXX separate transactions? Since when does that take place?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed my TCF Bank money market and CD on XXXX/XXXX/16. I never wrote a check or withdrew any money from these accts. I recived a letter dated XXXX/XXXX/16 stating my acct is overdrawn by {$110.00}. 
On XXXX/XXXX/16, I called TCF Bank at XXXX, spoke with XXXX and XXXX, I was told I owe {$170.00}, and my money market acct is still open. How could it be open I osed the acct. 
Since I read many complaints against TCF Bank, what they do is generate Bogus fees then sell to a collection agency. 
This bank is dishonest. Why is TCF bank still in business?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
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: Was not notified of investigation status or results

Complaint:
I have been communicating with Carrington Mortgage about a mortgage assistance application since XX/XX/2022. Carrington Mortgage always made it seem like there something else that was needed in my mortgage assistance application. They would inform me to call them, however, the phone numbers listed are not working numbers. In XX/XX/2022, I started receiving notification about foreclosure options. When I emailed & called Carrington Mortgage, they would inform me those are standard notification and it doesn't mean anything. I continued to follow Carrington Mortgage guidelines of what I was informed, however, Carrington Mortgage processed my payments for amounts they knew were too high for me to afford. I called them immediately and ask for my options. The information I was told was to complete the Mortgage Assistance application again and let the underwriters fix everything. The action that Carrington Mortgage took was reporting " Default '' on my credit report for my mortgage, while I have my mortgage assistance package submitted to them to start making mortgage payments again. Carrington Mortgage seems as if they are mimicking the same actions negative actions they are in class action lawsuit of charging customers {$5.00} of servicing fees in online & phone payments. Carrington Mortgage representatives do not all have access to view attached documents but are allowed to provide information that is misleading since they all can't view attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
MY PAYPAL CREDIT ACCOUNT ENDING IN XXXX ISSUED BY SYNCHRONY BANK. 

ON XX/XX/XXXX BETWEEN LATE HOUR TO XXXX   OF XX/XX/XXXX GOING INTO XX/XX/XXXX., I MADE PURCHASES ONLINE FROM COMPANY CALLED XXXX AND I NOTED, RATHER THAN THE SINGLE ITEMS OF ABOUT 8 ITEMS BOUGHT. IT WAS NOTED THE ITEMS CAME UP IN TRIPLE/THREE TIMES ORDER. IN ORDER WORDS, THE ORDER CAME X 8 X 3 = 24 ITEMS TOTAL. I NOTED THAT I WAS CHARGED FOR THE 24 ITEMS. I, IMMEDIATELY STARTED TO DELETE THE TWO ORDERS, THAT I DO NOT NEED OR ORDER. I NOTED, IT AUTOMATICALLY CAME TOTALLY SO MUCH. AFTER DELETING, I RECIEVED MESSAGE FROM THE COMPANY, WISH THAT REFUND HAS BEEN MADE. 
HOWEVER, ON RECIEVING MY STATEMENT, I NOTED FULL REFUND WAS NOT COMPLETELY MADE TO MY ACCOUNT. I, RECIEVED A CHARGE OF {$880.00} FROM PAYPAL/SYCHRONY BANK. I CONTACTED WISH, PAYPAL AND SYCHRONY BANK WAS ALSO CONTACTED AND INFORMED OF THE FRAUDELENT ACT AND OVERCHARGE ON MY ACCOUNT. NO RESPONSE HAS BEEN RECIEVED BY WISH COMPANY, PAYPAL AND SYCHRONY BANK. THE TOAL PURCHASE OF ALL THE ITEMS ORDERED ON THAT DAY XX/XX/XXXX WAS {$300.00}, AND ON XX/XX/XXXX, ITEMS BOUGHT WAS {$71.00} AND ON XX/XX/XXXX WAS TOTAL OF {$160.00}, WHICH INCLUDES SHIPPING FEE. 
SOME REFUNDS WERE SUPPOSE TO BE MADE TO MY ACCOUNT AND NONE OF THOSE REFUNDS ARE REFLECTING TO MY ACCOUNT ENDING IN XXXX. IT WAS NOTED, I AM EXURBITANTLY OVERCHANGED AND THE BANK IS NOT DOING ANYTHING TO RESOLVE THE ISSUE UP TILL THIS DAY. FOR ALL I KNOW IS THAT THE TOTAL AMOUNT OF PURCHASES WITH WISH, IF {$300.00}. XXXX+ XXXX XXXX+ {$160.00} = {$540.00}. SOME ITEMS WERE REFUNDED BACK DUE TO DAMAGE AND QUALITY OF PRODUCTS, WISH SENT MESSAGES, ITEMS THAT WERE REFUNDED AND I STILL IS NOT REFLECTING MY ACCOUNT AND UPDATED BY SYCHRONY BANK AND PAYPAL. PLEASE, NOTE ALSO THAT SYNCHRONY BANK/PAYPAL OFFERED ME A SIX MONTHS PAY WITH NO INTEREST ON THIS PURCHASES MADE ON MY ACCOUNT. SO, HOW THEY CAME UP TO THIS AMOUNT IS SUPRISING AND SHOCKING.

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: Collectibles Management Resources
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The monthly payment, terms, credit limit, past due, and date of last payment are not reported. Your agency continues to report this account inaccurately. Your agency failed to provide complete and only correct information.

Company response to consumer: Closed with explanation