BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-06
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I established a HELOC on XXXX/XXXX/XXXX with XXXX XXXX. It is now serviced by Ocwen. It was a 30 year term with a 10 year draw period for a principal amount of {$100000.00}. After the draw period expired, the repayment period began with a 20 year repayment period. On XXXX/XXXX/XXXX I made a payment of {$360.00} as that was showing as due for XXXX/XXXX/XXXX. I am trying to pay my mortgages ahead. As the documents will show, this payment has been changed and applied 9 times. They now show that payment as a principal payment, with an approximate balance of {$100000.00}. I never requested this to go as a principal payment. My 2nd issue is that my payment due for XXXX/XXXX/XXXX now shows {$770.00}. At the current rate of 4.25 % for a 20 year payback, The payment should fall in the mid {$600.00} range, I have attached a calculation. I have emailed Ocwen many times with no response. Calling their customer service is a joke. Per the emails sent I attached, I have requested an explanation with no response. I need your assistance. I have attached a verification of mortgage to show diligent payment history with no late payments. I refuse to make another payment until they justify the payment and the terms of this loan. I have attached the note and mortgage as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: AL
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 acordance with the Fair Credit Reporting Act ( XXXX XXXX  XXXX XXXX ) ( XXXX XXXX  XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX 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 XXXXXXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX  ) ( XXXX ) ( XXXX  ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1679 a, states i have the right to dispute inaccurate information in my credit report. 
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, also states, a consumer reporting agency can not furnish my account without my written instructions. 

I DISPUTED THESE ACCOUNTS WITH ALL 3 BUREAUS AND INFORMED THEM THESE ACCOUNT WHERE REPORTING INNACURATE INFORMATION AND THAT THE ABOVE ACCOUNTS WERE VIOLATING MY RIGHTS, AND SOME MAY HAVE BEEN THE RESULTS OF IDENTITY THEFT. HOWEVER, I WAS UNABLE TO GET ANY SATISFYING RESULTS.

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 2020-04-01
Company: Paypal Holdings, Inc
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020, I sent a friend in XXXX {$250.00} via PayPal. My friend in XXXX said the money was put on hold for a month. The PayPal company in the US did not mention any holds would be put on the money and said the money would be available to the person on the other end in a short amount of time. My friend emailed me earlier this week and said PayPal in XXXX put another month hold on the money. I have been messaging PayPal in the US but they don't seem to care what PayPals in other countries do in their name. They just told me to have my friend in XXXX get in touch with the PayPal over there. As far as I'm concerned it is unethical to hang on to money I've sent to someover for an arbitrary amount of time. 

The PayPal in the US took no responsibility. If rules for PayPal in other countries are different, then it should be posted on their website. At the moment my friend in XXXX asked for the money to be refunded. It is pending. I'm not totally hopeful it will be returned or returned in a timely fashion.. 

I sent the money because my friend and his family are poor and under lockdown. I had a little to spare and thought I was doing a good thing. If I get it back I will try XXXX XXXX and hope they are more ethical. 
I just want PayPal to take more responsibility. It is a service they offered on their website with no caveats or warnings. They did not even take any responsibility after getting in touch with them or give me any reasons for the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/XXXX I purchased a XXXX XXXX and financed through NMAC. For 5 years ( the length on my loan ), NMAC auto-deducted the monthly payment from my checking account. Last payment was deducted on XXXX. I assumed the vehicle was paid off and have been waiting to receive my title. On Mon., XXXX XXXX, XXXX, I received a call from a Collection Agency that my final payment was never received! They further advised that final payments are not auto-deducted and advised me of the amount due. THIS IS THE ONLY NOTICE I HAVE THAT ANY PAYMENT IS DUE. I never received an invoice or phone call from XXXX! On Wed., XXXX XXXX, XXXX I mailed a check to NMAC in the amount requested of {$290.00}. Today, XXXX XXXX, XXXX, I received an email that XXXX XXXX posted a change to my credit report because " I fell behind on payments on XXXX of my accounts ''. Please help! I have worked hard to keep my excellent credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: AZ
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:
Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: Southern Management Systems Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Southern Management Systems holds a debt from a previous landlord in XXXX, TX. Due to this open collections, I am unable to rent an apartment. Although I disputed the validity of the debt ( I was tricked into signing a year lease in addition to the summer lease although they knew it was a great possibility of me relocating due to my employment ) with the apartment complex, their corporate office, and Southern Management Systems no resolution was met. The apartments charged me outrageous late fees and other fees although I had vacated the premises, provided notice, and paid out through the XX/XX/XXXX lease. I recently called Southern Management Systems and inquired for a fax and email address for their office manager because he would not return my phone calls. They refused to provide one. When the office manager finally called me, I inquired as to how to make a payment. He stated am I paying the full amount and I said no. He inquired about the remainder of the balance, I told him it was none of his business. He then stated he would not accept any amount from except the full balance or 80 % of the balance paid in one lump sum. He refused to provide ANY information on how to send a payment in. I find it interesting that the collection agency wo n't accept any amount to be paid towards the debt, and feel if they do n't want any of the money then I should n't be responsible for any of the debt ( although I was tricked into the debt in the first place ), and that the open collections should be removed from my credit report. Southern Management Systems is unprofessional and use negative tactics with debtors. Some form of action needs to be taken against this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing to you to complain about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had checking account that was transferred from late Wachovia bank to Wells Fargo. It was originally no fee checking account. After I made few withdrawals I did n't touch the account. The bank started to charge extremely high fees of {$25.00} a month for a positive balance. The charged me approx. {$500.00} in fees, until all funds were gone, and shut down my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage has transferred ownership two times. It began with IndyMac and then was bought out by XXXX XXXX and then shortly thereafter, was bought out by OCWEN Loan Servicing , LLC . Currently my adjustable rate mortgage is serviced by OCWEN. I have never held escrow on any mortgage and have always paid my own property taxes and insurance with no default in payment. In XXXX of 2015 I was issued a statement saying that I owed {$3300.00} in escrow fees and my monthly payment would jump by nearly {$700.00}, in addition to a rate hike. I did not opt for an escrow account, they simply issued it to me without my consent. Both I and my insurance XXXX have submitted supporting documentation to them with current insurance and property tax accounts SEVERAL TIMES and they refuse to remove this charge of escrow from my statements, even after I wrote a letter to them telling them that I would not pay into escrow and would only pay principal and interest, as I always have. I do not want this to adversely effect my credit, which I am struggling already to improve so that I can refinance with a more ethical lender. They have imposed a financial hardship to me and I believe they have done so in attempt to force me to go into foreclosure, even though I have never fallen behind on my mortgage payments and I have about $ 200K in equity on my home. It has reached borderline harassment. They call me even though I have already made payment ( reflected in my bank account statements ) and tell me that I have missed payments. They need to be investigated and pay appropriate consequences for their blatant predatory lending practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20
Company: High Point Asset Inc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company called my wife and I several times with a recorder message saying I was a person of interest and that we or our legal representative should call back to make a statement. Not sure what this means bet they called with XXXX different XXXX area code # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2016 at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX UT ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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: Kikoff 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: Their investigation did not fix an error on your report

Complaint:
I have disputed all 14 derogatory marks on my credit report to XXXX  XXXX and the said they would be removing these items but have not done so. XXXX should no longer be reporting these items on my report because they were paid and now closed. Why does XXXX think they can continue to report something that I the consumer disagrees with? XXXX is in violation of FCRA all of these accounts have not been active for over 10 to 12 years they need to be remove and they on keeping them on there to keep my credit score low. This system is not designed to help people but fail them. I am very disappointed in what has transpired with our XXXX XXXX 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 2020-04-01
Company: Experian Information Solutions Inc.
State: AZ
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 and Experian are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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: EQUIFAX, INC.
State: CA
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX UT ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$1800.00} XXXX   XXXX XXXX {$650.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX {$1300.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$6300.00} XXXX XXXX {$0.00} US DEP ED XXXX {$1300.00} XXXX XXXX   XXXX {$110.00} XXXX XXXX {$1400.00} XXXX XXXX {$0.00} XXXX  XXXX {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Mortgage Co. states they NEVER RECEIVED XXXX ,2014 from me. I send in documentation Showing XXXX,2014 Mtg paid through my Bill Pay account. See attach. 
XXXX,2014 Mtg paid Ocwen ACH Account ( XXXX 2014 ) XXXX payment came through, the XXXX payment was paid ( over-draft Protection ) the next XXXX ( XXXX ) were returned INSUFFICIENT FUNDS. Please see letter from the Bank Manager. XXXX,2014 was told to submit proof of all payments to XXXX XXXX. I submitted everthing. I asked Ocwen rep. to waiver fee and I told they could not do that. So XXXX2014 I sent my mortgage in ( XXXX ) with the fees {$40.00} XXXX for NSF {$40.00} for stop payment and {$34.00} on the principal. XXXX XXXX dated XXXX/XXXX/14 States XXXX delinquent, XXXX current, XXXX, delinquent XXXX is Current HOW?? I am currently in Chapter XXXX Bankruptcy.I am also in Ocwen modification, IT YOU PAY XXXX YEARS ON TIME THEY TAKE {$6200.00} OFF OF THE PRINCIPAL. THEY DID NOT GIVE IT TO ME FOR 2014. PLEASE SEE ALL OF MY DOCUMENTATION SHOWING I HAVE NEVER BEING LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I reported a charge to my account that I did n't recognize. I reported this to M & T Bank. I received a provisional credit and a case number. Then I received a form asking for more information which I filled out and returned. I did n't hear anything for a while and then the credit was removed from my account and a couple days later I received a letter saying that the case was closed. I called to find out why, and spent over 20 minutes on the phone. I was told that the card was swiped and there was nothing I could do about it. I emailed from my account page and was told that the investigators never received the letter requesting more details. Eventually I was told to go in to a branch and fill out a form. I did so. Again I inquired about the status because it seemed to take a very long time, and I was told that the second letter was received, but the bank did nothing with it because they had already previously closed the case. So I asked for the case to be reopened, and was told that there was no evidence suggesting fraudulent activity so my claim is denied. This has taken 3 months and wasted a lot of my time and I do n't believe M & T has done anything to investigate this. The transaction took place when I was at work and I could not have been at the XXXX subway spending {$68.00}. Furthermore, I 've only ever been on the XXXX subway once and that was XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I received an offer in the mail for a special offer on a credit card. The offer was mailed to my home with a web site link to apply as well as a telephone number. Upon logging into the website and also upon calling into the call center on XX/XX/2020 at XXXX XXXX, I spoke to XXXX XXXX ( XXXX XXXX Illinois ) and XXXX in Credit Card underwriting ( would not provide any additional information, employee number, or geographic location ) and they advised me that they are not able to let me apply jointly with my husband. We both have excellent credit, qualifying income, and maintain all of our accounts jointly, however, they told me that I would have to apply individually under the offer ( XXXX ) at XXXX. They said I could add my husband as an authorized user but not as a joint applicant. I believe I am entitled per regulations to apply jointly if that is the way that I prefer to submit my application so that all income and dual obligation is submitted initially. If I am not correct, I do apologize, however, my husband does work for a XXXX  and believes this may be a violation of regs.

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