BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-09
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify my loan via HAMP with Ocwen since last year and they kept giving me the run around to finally tell me that they will not process my modification after they sent me a letter stating that they would do so. I have spent countless time on the phone explaining this to different relationship managers. Every time I spoke to someone I would get a different answer or different instructions on what to do next. They sent me payment vouchers which was incorrect during the trial period which they addmitted to doing. They asked that I send in the shortage and 1 additional months payment ( for a total of 4 months under the HAMP ) and then they would process my final modification. After I did everything they asked me to do and met the requirements they still would not process the final modification. I have tried my best and I am tired of fighting with them. No one seems ever have a clue as to whats going on when you contact them for help or assistance. I have a secure letter that was sent to me by Owcen that states for me to make they payment difference and they would process my final HAMP which I will attach to this complaint. I will also be attaching the letter i recently recieved from Ocwen stating that they denied me for non payment which is incorrect, they did recieve my money per the letter dated XXXX/XXXX/2015. I called in and was once told by a relationship manager to reapply for the HAMP to get it processed but they denied it and sent me a Shared Appreciation Modification which I was uncomfortable with signing and sending back because the value of the home seemed to be inflated per their apprasial and there were some other things I was n't comfortable with. Again I told them i was n't comfortable with that and did not want it. I get a letter in the mail saying we denied you for the Shared Appreciation Modification because you failed to make the payments of which I never singed and returned the package to them agreeing to any of it. I have tried to explain to the best of my ability and will attach some supporting documentation to explain my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2015, I received a XXXX from XXXX in XXXX, CA and was admitted to XXXX in XXXX for treatment for XXXX and XXXX. XXXX transported me to XXXX from XXXX for a XXXX. After the XXXX, XXXX had XXXX take me XXXX block to the clinic to see XXXX. They charged {$500.00}. I never got a bill from XXXX. Months later a neighbor gave me the bill from the collection company. They had the wrong address. Therefore, XXXX must have sent the bill to this address also. Now {$40.00} a month is being added to the bill. 
I followed up with XXXX and they have not gotten back to me. 
My insurance will not pay because they said they took me to a routine appointment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2016-11-03
Company: Receivables Management Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have Medical bills in collections from my son when he was XXXX or over. The Company did not verify guarantor at return visit. I am not responsible for this bill, I did not rendor services

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
: THE INVESTIGATION HAS BEEN OVER 30DAYS. NO REPLY THEY MUS BE DELTED. 
. 
. inquiries unauthorized XXXX, XXXX XXXX AND XXXX XXXXMus be deleted no validation from the companies or from the Credit union.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Mercedes Benz Financial Services
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First call was on Saturday XXXX XXXX They continued to call the following times on Saturday : XXXX XXXX XXXX ; XXXX Monday they called the first time at XXXX XXXX I spoke to them and explained I had thought they would make another EFT attempt as this is my first time with an issue in over a year and half of making EFT payments. I asked how to handle this and pay. They explained if I sent a check I would avoid an additional charge of {$15.00}. I asked them to send me an email with mailing information as I have always paid directly through my bank. They said they would. They then called the same day at the following times : XXXX XXXX ; XXXX XXXX. ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX. ; XXXX XXXX ; I called them on XXXX/XXXX/16 to make payment over the phone so they would stop calling me. I had still not received email with mailing address. They then called again at the following times : XXXX XXXX. ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; I checked my bank account and the payment had cleared my bank. I continued to get calls starting today @ XXXX XXXX. ; XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The calls come into my phone stated as unknown. When a message is left ( which is not every time ), it is from Synchrony Financial. As an example of call frequency - called 12 times yesterday. In the morning they called 4 times within a single hour. Then approximately once an hour after.

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 2016-03-17
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Hello - XXXX XXXX ( the airline ) recently switched their credit card partner from XXXX XXXX to Barclays. I was a XXXX XXXX XXXX XXXX card holder for over 5 years, but I did not want to receive the new Barclay 's card. I called and emailed XXXX XXXX and Barclays requesting to Opt-Out of the new credit card. They informed that I would automatically receive a new Barclays XXXX XXXX credit card, and there is nothing I can do about it. 
I even cancelled my XXXX XXXX XXXX XXXX card upon receipt of this news, and I still ended up receiving a Barclays credit card in the mail today. I called Barclays requesting they cancel my new credit card this morning, and they informed me that I needed to call back on XXXX XXXX or later in order to cancel this new card because " my information was not in their system yet '', so I guess I will need to wait and call Barclays again. 

Overall, I think companies like XXXX XXXX who switch credit card providers should give customers the ability to Opt-Out of a credit card from a new credit card company. No one can force you to switch banks or life insurance companies, for example, so why could n't anyone Opt-Out of switching credit card companies? Without a doubt, XXXX XXXX handled this process the wrong way. 

I have some emails to XXXX XXXX if you 'd like to see my requests, which went without any assistance from XXXX XXXX or Barclays.

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 2021-01-06
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 have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-06
Company: OneMain Finance Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2018 ( XXXX ), XX/XX/2018 ( XXXX ), XX/XX/2018 ( XXXX ) my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX replied back on Complaint # XXXX and stated " This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. 
Keep track of the original complaint numberXXXX you can track its status and receive the company response on your Consumer Portal or by calling us. '' Attached is XXXX 's reply on complaint # XXXX. Complaint # XXXX is not the same issue as stated " Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions for XXXX ending in XXXX ; permission was never requested from XXXX nor given to allow for the over-the-limit-fraudulent transactions. ''

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 2021-01-06
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 have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2018 I contacted this credit bureau to have inquiries removed that were not mine. There are a list of inquiries most of which are duplicated on my report. Please instruct the bureaus to remove these fraudulent inquiries as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Receivables Management Partners, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Berks collection has an entry on my credit reports that i am ot aware of. They are refusing to provide proof that i owe them this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
For over five months I have been trying to closed my account with TDbank, I called customer service several times asking them to close my account but they advised me they can not close it over the phone and I will need to visit the bank for me to close my account. I have since visited three different branches and was told that all account was closed with a XXXX balance, I requested written verification showing the accounts are closed but they advised me they are unable to give me such a letter and instead they continued to send me harassing letters requesting maintenance fees and recorded messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was denied loan foregiveness even though I have been XXXX   for 25 years as a public servent, as Navient directed my loan into an account which is not recognized as being able to be given loan foregiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, 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 Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: TN
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:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY FILE THAT ARE NOT MINE AND I HAVE NO KNOWLEDGE 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 explanation
Consumer complaint received 2015-04-13
Company: Suburban Credit Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Received phone call on my work line. Individual said it was a personal business matter and would not disclose the nature of the call. I then asked for the name and phone number in which to return the call because I was at work and could not discuss such things. He would not share such information. I then requested for him to not contact me at work, and he then asked to speak to my supervisor. He continued to badger me and I then mentioned to him that I will report him if he continued to harass me. He then said that he 's going to report me. I hung up the phone as work is not the time nor place to deal with harassment. He did n't state where he was from, what the matter was in reference to, his name or any additional information. I did advise him that this was a federal line and that I would report him. In turn, he said he would do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I was contacted by XXXX on XXXX XXXX, 2016 stating I was approved for a loan in the amount of {$2000.00}. They deposited {$720.00} into my bank account. All I had to do was withdraw that amount, send the money back and they would deposit {$2000.00}. They asked for my online bank information including my security codes. After awhile I began getting suspicious. The following morning I received an email from my bank stating the check they deposited was on hold for 5 days be a use the check may not be good. When I notified them about this, they began getting very irate. I told them the funds were frozen and they kept insisting I go to Wal-Mart to get the money out. Since Thursday XXXX XXXX, my bank account is still frozen. The company states the name is ACE Cash Advance and the person 's name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
recently I received a letter about Substitution of Attorney -- Civil by XXXX XXXX XXXX XXXX, I don't know why I involve to this sue case, maybe it is my 10 years old unpay XXXX credit card bill? I have contact XXXX credit card to discuss about the bill have wrong, and submit letter to credit card company complaints. I also receive a letter about law suit against XXXX XXXX, who try to collect old debt, which XXXX XXXX lost this law suit case. after this, my credit report have remove this negative issue. I don't know why they debt collector take law suit again. please advise me what I should do. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: TX
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 am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

. In accordance with the Credit Reporting act XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

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 2023-01-04
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Key bank sent me a fraud letter in reference to an account ending in XXXX opened on XX/XX/2002 in my name. I never had any business with these people and never heard of them. When I called 5 times they would only let me speak to a person named XXXX who barraged me with questions about my social security number address dob etc. She refused to let me speak to a supervisor and I believe she is the one who stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on the day of XXXX XXXX, someone took money out of my checking account of {$300.00} my account # XXXX and the claim # XXXX I have been dealing with them ever since. I never misplace or lost my card and never called in for a replacement card and still the bank claims that my debit card and pin number were used for teller transaction ; yet that is typically not required for a teller transaction.On that date I was working and is impossible to be in two places at the same time. My boss wrote a letter confirming that I was at work on XX/XX/2022 and a report from the XXXX Police that saw the surveillance footage which was review by the them and confirm that it was not me or my husband. I have been with Chase bank for more than 20 years and never filed a complaint on this account. My claim was denied twice even though I have provided the police report and the a letter from my boss. 


Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief