BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-21
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen failed to notify me of the details surrounding my change in payment. I happened to look at my statement in " Important notes '' and it was in the middle of the paragraph, very non descript, no bold type, etc. and certainly not the first note as it should have been due to the importance of a payment change. THe notes read as follows : " Unapplied Funds : Any partial payments that you make are not applied to your mortgage, but instead are held in a separate unapplied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. 
Please note that your monthly payment amount has changed to {$3400.00} effective XXXX/XXXX/2016. Further detail regarding the reason for this change will be included in a separate letter. 
Please note that your monthly payment amount has changed to {$3400.00} effective XXXX/XXXX/2016. Further detail regarding the reason for this change will be included in a separate letter. 
Payments received are to be applied in accordance with the mortgage note. Payments will be first applied to bring the loan contractually current. Any additional funds received will be applied to outstanding fees and advances prior to being applied to principal. 
Our records indicate that you have filed for bankruptcy protection. This statement applies to our lien on the subject mortgaged property and is being provided for informational purposes only. If any payments are remitted, please include the coupon below with any payments se ... '' I have NOT received any " Further detail regarding the reason for this change will be included in a separate letter. '' for either the XXXX payment change or the XXXX payment change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: MINNESOTA LIFE INSURANCE CO., THE
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am going through XXXX XXXX I have consolidated and personal finance is one of my creditors that we have consolidated and XXXX from personal finance keeps calling me at work threating me that he do n't work with this company and they are going to garnish my wages. I am dealing with a guy named XXXX and he told me that yes they do work with personal finance. How do I get personal finance to stop calling me at work? The number for personal finance is XXXX. This bill was getting paid until I consolidated it. Please help me .. Thanks again XXXX XXXX my number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have been issued a CITI/AAdvantage platinum Select Master card that I did not apply for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-12
Company: FIDELITY CAPITAL HOLDINGS, INC
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXXThis Company took a stackable washer and dryer out. When it was put in, they hooked it up wrong twice. 
It was a XXXX person job and XXXX was sick so XXXX did it, It was to heavy, he chipped my NEW tavertine, scratched it, and hooked it wrong once again. They chipped up my walls hallway, and it was fresh construction. 
Came back to try, to redo washer and dryer, steam coning from a hose miss put in. Knocked a piece off plaster off, and said whoops. 
Paid {$190.00}. for XXXX to come in and correct their mistake, If anything they owe me money. I have written a letter with pictures of damage to the management, This was not a emergency thing, had problems for months, they where the only company available. I got a {$500.00}. dollar estimate to re paint and fix damage. 
However I have sold this property and am done. I would be happy to send you my letter of complaint if I have a e-mail address. 

XXXX XXXX XXXXXXXXXXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: FIRST HORIZON BANK
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
From XX/XX/XXXX throught XX/XX/XXXX of 2022 The the First Horizon portal to monitor my business account has been frozen, I have been trying to resolve this issue ever since the beginning by reaching out to customer service to reactivate portal and issue to still remained unresolved. Finally my portal was reactivated on XX/XX/XXXX at XXXX and I have discovered there were several unauthorized transactions that caused my account to overdraft along with overdraft fees that's has been applied, I asked the customer service representative if she can please waived the fees but she was only able to waive {$70.00}, I also went to my local branch to have fees waived and they will not help me, I've tried to explain unauthorized transactions and they still refused to help, all I want is to have fees waived

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I learned of this debt while pulling my credit report. I never recieved a letter to verify this debt. I contacted this company telling them I did n't remember or know of when I could have had a XXXX dollar hospital bill and I would like proof of this debt they informed me they could not do this and proof was up to me not them. I then told them I did n't believe this was a correct debt but I would settle to get this resolved and I agreed to XXXX if they would send me a letter stating our agreement and they refuse to do so. They want me to blindly pay XXXX dollars to settle an account that I do n't even believe to be mine without any proof of this agreement.

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 2015-10-29
Company: Exeter Finance Corp.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I obtained a loan from Exeter Finance Corp with an interest rate of 22.9 %. After making approximately 12 months of payments I began the process of purchasing a home and secure a mortgage. I was informed that my auto loan with Exeter contained a outrageously high interest rate, high payment, and the vehicle had around {$5000.00} dollars in negative equity in the vehicle. I was informed by lenders, my legal counsel, and the veterans home loan association, that I would still be able to obtain loan provided Exeter reported correctly and only reported a repossession to the credit bureaus. Exeter has wrongfully reported that I was late in paying on my account, and has subsequently caused me to insure a financial loss of {$30000.00} dollars. After speaking with XXXX, in the escalations department and offering Exeter a settlement offer, XXXX told me I would receive a call back from XXXX XXXX, however, I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Halsted Financial Services calls me several time a day from various numbers XXXX is the latest, they threaten to have me arrested for a debt i know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is a dispute regarding claim XXXX. I received a XXXX package on XXXX/XXXX/XXXX, duplicate of XXXX package. Still no explanations. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my property taxes were assessed as a business instead of a residential property. It was a {$400.00} or more increase. XX/XX/XXXX, I paid XXXX in taxes. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX my property was assessed as residential, this is when my PMI insurance went up. In XX/XX/XXXX my PMI was prepaid XXXX according to my HUD statement. XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX ( up XXXX ), XX/XX/XXXX I paid XXXX ( up XXXX ), in XX/XX/XXXX, XXXX ( up XXXX more dollars ). XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX. When my property taxes go down my PMI insurance goes up. This type of fluctuation deserves an explanation. I also have not received and explanation of the escrow shortages. Wells Fargo owned the property when I purchased it, it was over appraised at XXXX so FHA would insure it. My mortgage was executed@XXXX, in which it 's only worth. The property never had a clear title. The loan was not within FHA downpayment assistance guidelines. Wells Fargo did n't disclose the lien, but tried to hide their identify by transferring it threw XXXX XXXX XXXX. The lien was very apparent, but the property was continuously sold. My property have be reappraised and reassessed, sold, allegedly transferred, but never assessed, until five years later, which not executed by me. Enough is enough. You ca n't get my money and not give me and explanation on what Is going on with my loan. Still waiting on answers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had applied for credit and was rejected. I requested a copy of my credit reports and learned that I have medical collection accounts reporting that should not be reported. 

First of all, the accounts listed below belong to my parents, not me. The balances were from medical bills that incurred while I was a minor and my parents were the financially responsible party. 

Secondly, the original creditor, XXXX XXXX XXXX, has decided not to pursue collection efforts on these accounts due to my parents because of a Chapter XXXX Bankruptcy that they filed. 

Account # XXXX in the amount of {$170.00}, # XXXX in the amount of {$15.00}, # XXXX in the amount of {$1200.00}.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hi, I had tried setting up Auto-pay for our mortgage account ( Loan # XXXX ) back in XX/XX/XXXX with our lender XXXX XXXX shortly after we came out of our forbearance period. 

Unfortunately, the auto-pay request never fully finalized through their portal, and the lender did not automatically draft XXXX 's mortgage payment. 

Our payment ( XXXX ) were never drafted automatically which I was not aware of, and I am now told XXXX XXXX reported a 30 day late payment for the month of XXXX to the credit bureau 's without notifying us by phone, e-mail, or mail in advance. The lender sent a notice, but the mailing notice had two addresses listed ( my old address in XXXX XXXX and my current address in XXXX XXXX  ), which would not have been properly delivered by USPS. I spoke with a representative from XXXX XXXX  who also confirmed via telephone that the mailing address on the notice was incorrectly labeled and would not have been delivered properly therefore in which we were not notified our account was past due. I only realized our account was past due when I received XXXX 's statement in the mail and I noticed our balance had a carry over from the month before. 

I would like to officially dispute and reverse the 30 day delinquent reporting for the month of XXXX on this account. We've never been late with making a payment to XXXX XXXX since we've owned the property in XXXX, and this is XXXX of  XXXX other loans we currently have where we have never been late or missed a payment with any of our lenders. 

Please let me know what we can do to resolve this matter so our credit is not negatively impacted. 

I appreciate your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-09-09
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 sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Accountname- XXXX XXXX XXXX XXXX XXXXXXXX According to the FCRA the term XXXX investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
on XX/XX/2022 i made a request in good faith as a Natural Being, under UCC 9 - 210 to Ally Company and its associates on XXXX thru the cfpb to produce documents in good faith, on XX/XX/2022 Ally Bank Responded in Error and somehow is above federal law and dont have to respond to consumer rights, Ally Bank has use deceptive language in there response, and causing me even more harm, by causing me worry and stress because they are not abiding by Federal Law. 

my request was simple produce a Record Authenticated to Prove you have a Legit Security Interest in this so called loan, Ally Bank sated i Entered into a Sales Contract as a response to my request under UCC 9-210, A Sales contract just proves i extended to you Ally Bank my Social Security number and there was a credit transaction performed not a loan and your sales contract only proves that, the entire process is was fraud, including not disclosing how you came up with a interest rate as well as forcing me to pay for insurance out my own pocket when that too should of been already included in the transaction. 

now Ally Bank in there response dated XX/XX/2022 basically didnt prove any security interest as legit lein holder but now using threating terms in there written response causing me more harm and more pain and stress to my family and mental state because now they are invading my privacy saying they stil will contact me and possibly come steal my property that ive purchased thru my line of credit thru a credit transaction, the UCC 9-210 would of provided the proof to show that it was never a loan but a credit transaction, now Ally Bank are XXXX XXXX and threating me with deceptive language and now i am Damgaged

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 2016-11-30
Company: PLAZA HOME MORTGAGE, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Name is XXXX XXXX. 
I purchased our home in 2015. Plaza Mortgage is our mortgage company. We closed in XXXX. I have experienced a loss of income at my job on the radio. And it was reduced by half. I contacted the mortgage company, and they took my information. I did n't hear from them for Months ; meanwhile, I was delinquent on my mortgage. They send me a modification requesting payments that are HIGHER than what my original payment is. 
I sought out an expert, and he assisted in submitting documentation. The bank insists that they have n't received documentation however we have proof they do. Since then we have found out the foundation of the property is crumbling and have communicated this to the bank. They requested additional information for my non-borrower contributing to the property, and when we call in for the status, they refuse to speak to any of us. 
Also we received letters from their attorney with a motion proceed with the forclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I paid XXXX XXXX XXXX XXXX  to do my taxes. I never got my completed taxes. I called XXXX XXXX at XXXX. He told me he was in XXXX XXXX with no cell phone service. He told me he would call me at XXXXXXXX XXXX that Friday then called to change that to XXXXXXXX XXXX. I went to look at my texts with XXXX XXXX. He pulled all the texts back meaning I couldn't see his part of the message. 

I immediately contacted my bank Chase and told them what happened, They reversed the charge of XXXX. I paid someone else to do my taxes. 

Today almost 2 months later, I check my account. JP Morgan Chase, reversed the charge again. When I called JP Morgan Chase, their reason was the vendor used a third party ( XXXX ) to process the payment. That has nothing to do with me. I did not receive the goods I paid for. Now I have paid for my taxes twice. I want my XXXX put back in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2015-03-31
Company: WELLS FARGO & COMPANY
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car was totalled in a XXXX in XXXX XX/XX/2014. Upon XXXX reviewing the loss, they contacted Wells Fargo Dealer Services ( WFDS ) to get the total estimate of my outstanding loan and they have sent WFDS a check for the same amount. This was all within the same billing period. After XXXX sent the check, WFDS came back saying that I was late in my payment and they are showing the same on my credit report. I have disputed this record and yet there was nothing done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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:
I filed a dispute in XXXX for my self installment loan account and was denied. The reason I filed a dispute with Experian was because they had not updated my information since XX/XX/XXXX of XXXX  and we were in the month of XXXX the end of XXXX to be exact. Experian WAS NOT showing that I was paying my loan down and making my monthly payments. Attached are the information from my credit report showing they were not updating it in their system when in fact they had the correct information from the company how I know they had the information is because they would send me messages saying GREAT JOB PAYING your loan down, But would still not update my information on my credit report. Experian just updated account in XXXX but they have not shown the payment for XXXX and they have not given me any points for me paying this loan down the whole purpose of this loan is to gain points its, a Self builder account Attached is proof of Experian not updating my credit report or giving me the points for 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