BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-29
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Look at what they are applying to principal, and look at the historical payments. I tired a loan modification I made 3 payments on time. The loan modification they offered a new Maturity date to XXXX. They saying I Owe XXXX, I ; ve only missed 2 at XXXX has you can see I have been paying XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Principal Only Payment {$91.00} XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Mortgage Payment {$900.00} XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Mortgage Payment {$900.00} XX/XX/2019 Mortgage Payment {$900.00} XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Mortgage Payment {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Bank of America canceled our mortgage application, 7 days before closing, claiming we lacked sufficient funds available for closing. For almost 30 days, BoA had the necessary information to see proof that we had sufficient funds, but apparently never processed the documents internally so that they were available to the underwriter. Initially, our mortgage officer claimed we were denied for not submitting a copy of a check showing sale of a mututal funds for closing funds, but later admited they never asked for the canceled check. For 3+ weeks, it appears BOA did not process any documentation they had requested, then at the last minute, tried to fix their errors. Mortgage officer was unreasonably hard to get ahold of, ignored multiple requests for status updates, then had the audacity to blame us, the consumer, for Bank of America 's own failings. Had Bank of America reviewed the documents they had requested and received in a timely manner, they would have seen sufficient funds for closing, or would have had time to request further information. BoA did neither - they simply canceled a mortgage application 7 days before closing, 38 days into the process. 

We acted in good faith, submitting all requested documentation within 24 hours at each request. We sent multiple emails requesting status updates and got no response. Bank of America simply failed to execute the mortgage application due to their own errors and mistakes. Their reasoning for cancellation ignores the multiple documents submitted that clearly show our ability to close. 

It 's hard for us to understand anything we could have done better. Bank of America clearly failed, clearly made mistakes and clearly canceled our mortgage due to their own errors. The consumer is left dealing with the damage and heartache while Bank of America can move on to other mortgages as if nothing has happened.

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 2023-04-06
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
GLA collections is the collector XXXX XXXX  in XXXX ky is who the original debt originated from XXXX XXXX  damaged my home with intoxicated and unlicensed plumbers who caused additional water damage to my home. In addition, they have been unresponsible to my desire to file an insurance claim or settle the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am having problems with everything that says customer disputes, I had my Identity stolen and the items on my report are saying customer disputed And its basically saying theyre my accounts and theyre wrong .... Ive had sent a copy of my Police report to the companies and to the 3 credit Bureaus. Im still getting no Help. My wallet was stolen and when I sent to replace my license it actually had another persons picture on it. they changed my height from XXXX to XXXX as well : ( I had sent all my information to each credit Bureaus, I did see a small change in my report on XXXX XXXX, But XXXX only removed an address that Ive never lived before. I need Help Badly! Im at my wits end : ( Please Help! ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, all information is required to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but last reported dates and date last active are all inaccurate to include account number for XXXX  : ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX XXXX XXXX Acct # XXXX I feel that this is ground for removal from my credit report and my rights have been violated under the following : 15 U.S.C 1681 Section 602 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

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 2016-02-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1 year ago we requested to have PMI removed from our mortgage payment through Chase bank. We made significant improvements to home over the past 3 years to satisfy the XXXX % LTV required by Chase. Chase bank outsources the appraisal through a third party called XXXX XXXX. XXXX XXXX then assigns a local appraiser to do full appraisal. The appraisal came back with no increase from purchase price and with many disrespectful and unprofessional opinions form the appraiser. Thus I was not granted the request to remove PMI and Chase was not willing to listen to my dispute. The appraiser was completely out of line and unprofessional in his description of my property and made assumptions that without my consent. I have everything documented from the original request to final addendum made to my appraisal. I would like to know if this is something I could bring to an attorney for review because I would gladly take the time and effort to do so. After reviewing my documents I hope you agree with my statement and believe I have serious case against Chase and XXXX XXXX. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: FL
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:
For the 3 time in less than a week, Equifax sends me a credit report with a confirmation number ( XXXX ) that I can NOT access. It tells me that my information does NOT match their records, but, all I enter is the information that's on the confirmation number, Name, Address, date of birth & social security number. This is absurd, and they are pushing to do everything online! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Of Birth : XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: GA
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:
Prior to XXXX XXXX XXXX incorrectly reporting my payment status for 8 months I had a higher credit score. After filing a complaint with CFPB I finally got the negative report corrected but my credit score never went back up. My score continues to be low despite the correction. I have called all three credit reporting agencies but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Wells Fargo submitted my checks late, even though I mailed them weeks in advance of payments due ; and my payment history shows 180 days past due. This is negatively affecting my credit score.

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 2020-09-13
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After paying off the debt I initially was told with National Credit Adjusters for an old account which was opened in XXXX for the amount of {$350.00}. Paid it off in XX/XX/XXXX and XXXX has reported as of XX/XX/XXXX as CLOSED which has damaged my credit score.Consumer said they reported to XXXX  as PAID IN FULL and asked for a removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been dealing with Carrington Mortgage since the end of XXXX trying to get them to cancel a subordinate security deed they placed on my property. It's a subordinate security deed that they submitted to HUD and HUD rejected it but Carrington mortgage recorded the deed anyway. I am trying to refinance my property and I can not close on my property until Carrington cancels that security deed. I have been in contact with XXXX XXXX on multiple occasions and she has stated that she has escalated this to their legal department and VP however she has not responded to us in over a week and my lock is about to expire for my refinance. I believe that she has been unprofessional rude and unconcerned with me trying to refinance my property and get this subordinate security deed that is recorded in Error canceled so that I can close. I don't know what else to do except to report them to the CFPB or the bank and finance department. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I accompanied my friend to Wells Fargo Bank on XX/XX/2022. My friend wanted to add my name to her safe deposit box as a backup in case anything happened to her. To do this, Wells Fargo required me to provide various information, including my license, SSN, employer, etc. At the end of this, Wells Fargo provided me with a contract to sign, which included a mandatory binding arbitration agreement. Upon seeing the terms of this contract, I was unwilling to sign and asked them to cancel the transaction. However, they said there was no way to cancel a transaction once it was started -- that it had to be completed, despite my disagreement with the terms of the contract. 

At this point, we reached an impasse. To resolve the impasse, my friend decided to close the safe deposit box and be done with it. 

However, before we could leave, Wells Fargo required me to sign that I received and agreed with their Customized Summary of the visit. Again, I refused to sign, as I wanted the whole transaction cancelled and did not agree to anything during the visit. In particular, I did NOT agree to the terms of the safe deposit box contract and did NOT agree to the forced arbitration agreement. 

Because they could not obtain my signature, instead, the Wells Fargo representatives signed an attestation that " A member of branch management confirmed the customers consent either in person at the branch or via phone call. '' This was not true - I never gave consent. 

Now, I don't blame the bank representatives -- they appeared to have no choice. Wells Fargo set this up in such a way that bank representatives can not cancel a transaction when a customer refuses the terms of the contract, but must instead move forward and get some type of signature on the customized summary. It shouldn't be this way -- no one should be forced to agree to the terms of a contract that they haven't seen yet, and customers should always have the right to abort the transaction and not sign.

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 2015-06-18
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
While I was undergoing a credit check in order to obtain my XXXX license, it was discovered that I had a previously unknown collection account on my credit. I contacted the debt collector " Southwest Credit XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone XXXX '' and was told it was a debt to XXXX from several years earlier. I asked them for verification of the debt, however all they sent me was what looks like a blank XXXX bill with the amount they say I owe as a " previous balance. '' I called them back and they told me that that was all that they have and I would have to call XXXX myself. When I called XXXX I was told that they do not know what they debt was for and that I would have to get that information from the debt collector. I talked to Southwest Credit XXXX XXXX time and they were very curt and said " We gave you what we have, now you need to pay. '' While no one at either XXXX or Southwest Credit can explain what the debt is for, my fear is that they are claiming that they never got their cable boxes back. When I closed my account I did so in person and turned in my equipment, but for almost 6 months I got phone calls almost every day saying I had not returned my equipment. I always told the caller that I did return my cable boxes and they always said they would look into it, and then the calls would keep coming. At this point I do n't know what to do, I firmly believe the debt is not valid and neither XXXX nor Southwest Credit will provide me with anything to show that it is valid ... however this is seriously endangering my employment and if it is not resolved soon I will be force to pay it. I 'm basically being held hostage and robbed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-03-25
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Several months ago staring in 2019, I attempted to refinance our home at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. I was attempting to refinance {$140000.00} from a 30 year fixed mortgage to a 10 year mortgage with the same company that currently services the mortgage, Roundpoint Servicing Corporation, XXXX XXXX XXXX, XXXX, N.C. XXXX. We paid for an appraisal of {$450.00}. I have called or attempted to call the company on numerous occasions and have continually been put off or told that action would be taken. I have not received anything further in writing and have not received any definite dates when action will be taken. It has been at least 3 months now and I have not been able to get action on this loan application despite numerous calls to the company.

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 2016-05-03
Company: Maury Cobb, Attorney at Law, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This collector uses robots demanding that I call regarding an unknown debt, then, on the few occasions when I have spoken with someone, has become threatening and abusive regarding the alleged debt, refusing to provide the information necessary to properly identify which debt is being referred to, and, on both occasions, disconnecting the call. An internet search reveals hundreds of lawsuits and other complaints regarding this collector 's tactics -- so apparently this is their modus operandi rather than an exception to their standard business practices. 

It is more than telling that the name of this company, Maury Cobb, appears immediately in the drop-down box as a menu item in the " Company Information '' section of this complaint form. The abuse by this company is obviously a well-developed habit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I received a Notice from the court that I was being sued for a Capital One unpaid debt in the amount of {$16000.00}. I was XXXX in XXXX and could no longer make monthly payments on this account. According to my 3 credit reports, Capital One states that I have been making payments on this account up to XXXX, this is false. I have not had contact with this company since XXXX and they closed this account in XXXX. The Statue of Limitations on Debt in Texas is 4 years, so, time on this debt ran out in XXXX. This debt should have been removed from my credit report in XXXX. I sent a letter of dispute to all 3 credit bureaus and both XXXX and XXXX  still have the payment dates listed as me making payments in XXXX!  I think Capital One has given them false information in order to file a suite against me. I want to see proof that payments were made by me in XXXX, such as the cancelled checks. They do not have this proof, since I have not made payments on this account since XXXX or had contact with Capital One since then. I also want this debt removed from my account at the above mentioned credit bureaus.

Company response to consumer: Closed with explanation