BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-18
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re ocwen loan XXXX I made my payments with Ocwen. Payments were missapplied. I called several times and was told there was no error. I finally reached a supervisor that said the matter was corrected. My bill was not correct for over four years. It was not corrected and an amount was demanded I did not owe and my house was placed in foreclosure. I tried several times but to no avail. I asked for a correct amount to pay and the amounts of money asked for the representatives could'nt justify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I sent Bank of America a remittance coupon to pay my credit card bill.They ended up closing my account after they said they received the payment.They also closed my business account right Before they closed my credit card account.They never posted the payment which was sent certified mail on XXXX XXXXThey never spoke of closing the account they said your in good standing.

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 2020-01-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
JP Morgan Chase Bank- {$5500.00} XX/XX/XXXX updated my credit reports to reflect inaccurate dates and inaccurate name on my account. Account was opened in XXXX. 

XXXX- {$450.00} XX/XX/XXXX, XXXX regularly updates my credit report to reflect inaccurate dates and inaccurate name on my account. Account was opened in XXXX. 

Both companies refuse to acknowledge my XXXX XXXX military status and apply my benefit of the Servicemembers Civil Relief AcXXXX. Both companies refuse to correct my legal name. 

The customer service representatives of both companies were rude, disrespectful, and unprofessional. Military personnel beware for both companies are not military friendly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying for the last week to lift a credit freeze with Equifax. I have tried using the telephone and the computer. The system tells me they cant find me and will not continue when I have given my social security number, date of birth and full name. Also they seem to require that I have a cell phone to continue. I do not because we live in an area without cell service. I have a PIN number from when I established the credit freeze in XXXX. They no longer honor it since they changed the system in XXXX but did not inform me. I have spent a number of hours trying to lift the freeze for 30 days but can not get through the layers of roadblocks they have imposed. On many occasions the system simply goes dead, or says we cant find you or some such. I have had zero trouble with the other two major credit agencies. Equifax is a disaster that we all depend on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Kevin B. Wilson Law Offices
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I just received a second letter ( XX/XX/2020 ) on a debt we have set up on a payment plan. ( XXXX Hospital ) We are in good standing with the debater. They are receiving and posting our payments to the account, but yet XXXX XXXX XXXX continues to try and collect on this same account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/XXXX i was involved in a XXXX and sustained significant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXXXXXX during this time from mid XXXX to XXXX. In XXXX I notified Navient of my accident and inquired about deferment for partially XXXX customers. They stated nothing was available. They said to try next mont next couple months for discounts or deferment. Nothing was ever made available. Ive tried 2 seperate times to do income review assessments to lower the monthly cost. This is because I was not working from XXXX to XX/XX/XXXX. Currently I am on a restrictive light duty working part time. I still find difficulty making payments with my current monthly income significantly lower than last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: American First Finance, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I signed up for a company named " American first finance '' to help furnish our new home because paying out of pocket wasn't an option. I was told that my balance for the couches i bought was XXXX XXXX i was NOT informed of any other charges after a certain amount of time. Recently i noticed that I've been paying this off for longer than i had thought so i logged into my American first finance account and it stated that i still owed almost XXXX $ more. I referred back to the email agreement and in a separate email i wasn't aware of being sent it said if i didn't pay off the XXXX $ within a month and a half an additional XXXX $ would be added to my remaining balance. I tried contacting the company to ask why they're trying to charge me two times more than i actually bought the couches for and they told me they cant do anything about it and refused to give me any information regarding my account. I then did some research on this company and a lot of people have been having issues with them fraudantly stealing money, charging their account more and adding more to their bill with out acknowledging the customer. I refuse to continue to make payments on an account that should have already been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I purchased furniture from a local XXXX on credit on XX/XX/2019. XXXX uses Synchrony Bank for financing these types of purchases. I have never received a billing statement fro Synchrony Bank despite several requests. As such, I dont even know my account number.

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 2020-01-18
Company: EQUIFAX, INC.
State: UT
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 paid off my child support balance on XX/XX/2019 but Equifax has refused to update the balance to reflect the correct balance. 

I filed a credit dispute using my most recent credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with XXXX XXXX XXXX XXXX Equifax, and XXXX for months. The bureaus claim XX/XX/XXXX claims if accurate yet, all companies have refused to supply me with the method of verification and or any written contracts with my signature. According the the FCRC and Maryland state and Federal laws I have the right to have and review those contracts if any. If they don't have them then it accounts must be deleted. If XXXX XXXX did supply the bureaus with any information they did so under a ceased and deist order with was sent certified mail on XX/XX/XXXX and again XX/XX/XXXX If such information was provided under this order that is grounds for District Court withXX/XX/XXXX and all 3 credit bureaus for obtaining medical  information without my consent. At this point I was these account deleted not updated and I will seek damages of $XXXX  per violation per company (XXXX XXXX XXXX XXXX EquifaxXXXX and XXXX.
 Defamation
 Negligent Enablement of Identity Fraud
 Violation of the Fair Debt Collection Practices Act (including but not limited to Section 807-8) Violation of the Fair Credit Reporting Act (including but not limited to Section 623-b)

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: LAND HOME FINANCIAL SERVICES
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Paid Off Mortgage loan number XXXX last month in FULL. Somone in the credit reporting department thinks it would be funny to report this account DISCHARGED in chapter XXXX bankruptcy on XXXX and cut out my payment history up to XX/XX/2019. I have attached credit report and proof from XXXX whoever did update on this account FAILED at there job and needs to be retrained. This inaccurate reporting will cause me trouble trying to get another mortgage and has lowered my credit score in which can affect interest rates. I will have to resort to legal action with my local consumer protection law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: IA
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:
I have fraudulent inquires that Im requesting be remove from my credit report included is my FTC report with proof of my identity, inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not consent to any fraud alert me place on account!

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 2020-04-17
Company: Lendmark Financial Services
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
Lendmark Financial XX/XX/XXXX in the amount of {$1700.00}, XX/XX/XXXX {$1200.00} and XX/XX/XXXX {$0.00}. Accounts are charged off and closed on my account and tried to dispute why 3 different accounts that I'm not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was an original that with XXXX XXXX, it was a case of Identity theft. Valid the account was opened illegally and its not valid. Was sold many times over to collection agencies. I have been unable to remove this from my credit report for the last eight years. I have had collection agencies attempt to collect a debt that has never been confirmed! I have requested confirmation of debt none has ever been given!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
With all 3 credit bureaus I have tried to dispute matter that is one debt reported by numerous collectors for different amounts ranging from XXXX to almost XXXX they took well over 30 days when I first requested information regarding debt and never sent information. XXXX  is listed as original creditor and XXXX  also XXXX XXXX collections and another XXXX XXXX all are reporting this debt on 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 2020-01-18
Company: CMG MORTGAGE, INC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, We began falling behind in our mortgage payments due to hurricanes and medical issues. This began in XX/XX/XXXX. We continued to file for a loan modification and CMG Financial sent us a letter saying our only option was a repayment plan in the amount of {$2900.00} each month until we were current. They decided this amount based on our financial information and our GROSS income. Our mortgage payment went from {$1400.00} to {$2900.00} each month. We were forced into accepting because we did not want to lose our home even though we were going to struggle to make that monthly payment. Fast forward to XX/XX/XXXX and we are now behind again because they REFUSE to take a partial payment. We can not afford the {$2900.00} at the beginning of the month and they will not allow us to make a payment of half at the beginning and half again at the middle of the month. My husband called to make the XXXX payment of {$2900.00} on XX/XX/XXXX. They accepted the payment and told him our new monthly payment for XXXX XXXX-XXXX XXXX will now be {$3900.00} each month. If we can not afford to make the {$2900.00} payment we certainly can not afford to make the {$3900.00} each month. When we look at our monthly statement it shows we are behind 7 payments of {$1400.00} which totals {$10000.00}. We also have late charges of {$180.00} and " Other Fees '' which they will not explain to us of {$1800.00}. We have asked if we can try and pay those first and then chip away at the other payments we could work that. They will not help us at all. The amount of money they say we owe on the statement does not match up when you divide it all out. We do not want to lose our home but they are putting us in a situation where we can not pay them. They refuse to accept any payment except the past due amount. My husband is XXXX XXXX XXXX   from the military and we are trying to make ends meet but can not without some help. 

This company is CMG Financial and they have been horrible to work with!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX to Specialized Loan Services sometime in XX/XX/XXXX. My XX/XX/XXXX XXXX XXXX XXXX taxes were due XX/XX/XXXX. To date, they have not been paid. Both companies are giving me a a run around regarding why they were not paid. 

Also Specialized Loan Servicing mailed me a short-sale package. My loan was not in foreclosure. I called their third party vendor that handles the foreclosure. They said it was mailed by mistake. However, on this month 's statement, there are foreclosure package mailing fees.

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 2021-01-17
Company: Experian Information Solutions Inc.
State: OK
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:
On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and originally belonged to a corporation with no personal guarantee, so I am not responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or wet-ink signature for this debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. Further, any member of a corporation could sign for a bill owed by the corporation but that does not make the signer personally liable for the company 's debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported this derogatory mark to credit bureaus without verification and I disputed the alleged debt through Experian on XX/XX/2021, the same day the alleged debt was reported. The dispute was closed by Experian on XX/XX/2021 with the following comment, " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' Again, no discovery or verification of the alleged debt took place. It is possible that I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during which the collection agent attempted to elicit information from me regarding the alleged debt without first stating that the purpose of the call was an attempt to collect a debt. It is also possible that consent was not obtained from me prior to recording the call as I may have taken the call in the privacy of my home. There are multiple complaints filed against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the CFPB Consumer Complaints Database and with the XXXX XXXX XXXX The negative mark has caused a significant drop in my credit score. I'm worried that this false reporting and failure by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian to validate the debt before reporting the negative mark will adversely impact by ability to pass a background credit check as part of the onboarding process I am going through to secure employment during the COVID-19 pandemic. According to FCRA and FDCPA, XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account 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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, 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 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2020-01-18
Company: Ascendium Education Group
State: WA
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 recently applied for a home loan and discovered a collection account from Ascendium. I had finished paying off this account through garnishment in XXXX and was told the debt was satisfied and that the negative reporting would be removed. Not only is the account still reporting but is reporting a balance with late payment history as recent as XXXX. I believe this reporting is the result of an error or oversight but am unable to find anyone within the company able or willing to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
on the XX/XX/XXXX I called social security which social security told me that direct Express has my payment since XX/XX/2019 I have yet to receive my card. Every time I call they can not verify my account not only that I sent in my identification twice and still have yet to receive my card I paid {$27.00} to have a extradited twice by XXXX is still haven't received my card my whole social security check is on this card and have not received my card please I need a solution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A checking account with Chase bank was opened in my name without my permission. I found out after receiving a debit card in the mail on XX/XX/2021 I called their customer service line immediately, to report the fraud and I was kept on hold for 3 hours and no one responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A transfer of my mortgage occurred in XX/XX/2019, payments made to the account should have been posted to just what was included in a previous estimated escrow account just including ins. Not taxes. Something is truly wrong. Projections for another year is not right. No modification occurred. I have not agreed to pay anything they have not billed. Their bill to me shows a different activity on their system of the projections I have attached. Please verify. These activities are done after I had mailed a required payment.

Company response to consumer: Closed with explanation