BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I called Title Max today to negotiate a new payment arrangement. I have been unable to pay on this loan for a few months. We have been struggling financially for several months. I tried to offer {$25.00} each week ( this is all I can afford ). She declined to take any payment from me and asked me to pay my normal amount {$700.00}. She stated there is no collection agency attached to this and they are handling it. She confirmed 2xs that she is REFUSING take any payment on my account. All I want to do is start paying something again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: KY
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:
XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in the amounts of {$450.00} and {$940.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX I mailed Qualified Written Request to Ocwen Loan Servicing , LLC, which was received on XXXX XXXX, XXXX. The Servicer did not acknowledgemy QWR request by letter within FIVE ( 5 ) days and I am assuming that it will also not respond. 
For that reason, I would like you to submit my complaint with my QWR request to my servicer as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Delete hard inquiries off my 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 2020-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I applied for credit card to get a reduced rate on my XXXX fare and I also purchased trip insurance. The trip was cancelled and I thought my credit card was reimbursed the amount. I was wrong. I contacted credit card company in XXXX when I saw bill from them. I was told to pay the {$140.00} and when I was reimbursed by insurance to submit it to them and they would reimburse me. During the conversation, I told them to cancel my card. I remitted {$140.00} payment over the phone and forwarded the insurance document. ( attached letter dated XX/XX/XXXX ) Then I received an alert on my credit report and called them and spoke to them.I disputed this and received the attached letter dated XX/XX/XXXX saying I will be reported current. Fast forward another couple of months and they charge me an annual fee and interest on annual fee for a card that was to be closed based on a dispute I had with them regarding my credit. I then submitted another credit dispute, see attached letter date XX/XX/XXXX. My initial letter on XXXX XXXX tells them to cancel my card as it was part of the initial conversation, but they have now charged it off and it is on my credit report and they keep sending me email to pay XXXX of it. I should not have to pay any of it because it should have never been renewed. Please help! 

.

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 2017-03-31
Company: Ocwen Financial Corporation
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased a house in XX/XX/XXXX, and refinanced with GMAC XXXX in XX/XX/XXXX. In XX/XX/XXXX the account was in default and I filed a ch. XXXX BK in XX/XX/XXXX to stay the foreclosure. In XX/XX/XXXX, I modified my Ch. XXXX and surrendered the property. In XX/XX/XXXX my BK discharged an I was relieved of any and all debt on the property. GMAC themselves went into BK and reemerged as Ocwen Financial. No foreclosure took place on the property, and in XX/XX/XXXX I was sued by Ocwen in Oregon in a Judicial Foreclosure process to collect a debt that I do n't owe. As a result of the lawsuit, a judgement was obtained, and Ocwen foreclosed on the property to collect from me on the judgement. Furthermore, that foreclosure process and judgement are now a public record and are preventing me from both FHA, and XXXX financing on a new home despite exceeding the 4 year post-discharge waiting period. The act of Ocwen to delay a deed of trust forclosure process while within the confines of my ch. XXXX BK, and the filing of a lawsuit to collect, on a debt that had been discharged, is preventing me from being able to purchase home. Ocwen has shown disregard for the protections offered by the bankruptcy process and has caused me both financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: HW Holding, Inc
State: GA
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:
Was not notified of a debt owed before placed into collections. They did not send back up documentation of debt owed. Excessive monthly charges, extortion to intimidate if do not settle credit will continue to be damaged and I will not be able to buy a home. If I do pay in full, it will still remain on credit report and lender will not let me buy a home. That it is better to wait the 7 years. They harass me, are rude, degrading in telling me I should of read the lease. That I can call a lawyer but there is still nothing I can do. This is detrimental to me and my family.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Ideal Collection Services, Inc.
State: FL
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:
This debt is from my apartment community and is invalid. I had discussed this " debt " with management in which they informed me my damage deposit would be used to re paint XXXX walls. My community is charging me {$380.00} to paint XXXX walls when I was told that it was ok to paint, and that they would cover the cost from my XXXX of dollars damage deposit that I left. This is a falsified debt that is forged in an attempt to make more money. This apartment community is unfair. I have the original invoice for the paint job they did to repait the walls and it was no where near {$380.00} it was significantly less.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have contacted you in the past regarding Ocwen Loan Servicing. They continually add an escrow onto our account which we have never wanted nor authorized. After the CFPB contacted them, they promised the problem was fixed and we would n't have this problem again. Well, this month they have added an {$840.00} escrow onto our account. We pay our own insurance and taxes. They are trying to tell me that it can not be taken off and that we have to pay the XXXX and submit a request for a refund. I told them I will not pay a dime that I do n't owe them. Please help me with this situation. I feel like Ocwen is trying to purposefully cause me to fault my loan and cause me to lose my home for their financial gain. My name is XXXX XXXX XXXX, Account # XXXX, address XXXX XXXX XXXX XXXX. XXXX, SC XXXX last XXXX of ss # is XXXX. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Credit Corp Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
My boyfriend and I bought furniture from XXXX  with XXXX  card through the store, they went out of business and XXXX  changed the contract without an notice and over charged us and added kate fees when nothing was late. They sold the debt to credit corps solutions. Credit corps solutions then decided to call me multiple times a day threatening legal action and threatening to call my boyfriends job. I asked them to stop calling me after I explained I do not owe anything to them and I am unemployed and a XXXX. They call me multiple times a day even after I said no more contact. They then decided to go forward and call my boyfriends job. Sending me threatening emails and continue calling me with these threats or not speaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 've been trying to get a loan modification, then short sale and havebeen denied numerous times by OCWEN even though I qualify for HEMPmodification based on all criteria. but I still get denied. I have a XXXX with OCWEN and aHome Equity Loan as a XXXX with XXXX. They are both interestonly loans. The market value of the house is about {$250000.00} andboth loans amount to approximately {$390000.00}. The house hasdeteriorated and needs costly repairs, including structural damage. 
I 'm a single mother with XXXX older children and XXXX in XXXX. 
I hold a XXXX with my employer and financialcrisis could put my job in jeopardy. Me and my children are at theirmercy for a short sale. I am left with not much options and it maycome to a foreclosure. I need any assistance I can get. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was issued a check on XX/XX/2018 in the amount of {$11.00} due to my overpayment of the account. I waited past the allotted 180 days to deposit the check making the check void. I called to have the check reissued in the same amount by Capitol One with no solution to the issue. I have called Capitol One a total of 3 times spending 3+ hours on the phone with them which got me no where near a solution. They're claiming that they can not locate the information related to the previously issued check and I can not be issued a refund. I have the original check in the amount of {$11.00} but they still claim the information is not in their system. I just want my money that I'm entitled to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21
Company: Navient Solutions, LLC.
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:
It is indicated that I paid my student late when that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
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:
Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX 2. XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information. It's really affecting my credit score and my ability to get further credit.

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 2016-06-23
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Dear Sir/Madam : XXXX 2015 I applied for a mortgage at your XXXX Branch located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I received a pre-approval letter for {$200000.00}. A few days later my offer was accepted for a property located at XXXX XXXX XXXX, XXXX XXXX. I then went to your branch and together with XXXX XXXX XXXX, I filled out an application at this time I was assure that my loan will go through. One week later, something had happened to my application and we had to re do it. Once again I was assured that everything looked good and the loan should be approved. Therefore, I order an Inspection of the property. A few days later, XXXX XXXX said to me that there was an issue with my debt to income ratio because of my property in XXXX, XXXX and that the lease for {$2400.00} starting 3 days after the schedule closing of the property in NH could not be accepted because of no history of payments. XXXX XXXX called the Mortgage support group and explained that the reason there was no history of payments was because the lease was knew. The mortgage support team told XXXX XXXX that it would be XXXX. then. Once again I was reassured that everything was fine and to go ahead with the inspection. Then on XXXX XXXX, I received an email that was sent by the underwriter to XXXX XXXX that my mortgage had been denied. I asked XXXX XXXX to speak to the underwriter and find out the reason. The underwriter told XXXX XXXX that it was the debt to income ratio. The underwriter had not accepted the lease for the property in XXXX. I asked XXXX XXXX to speak to the underwriter again since the mortgage support team that assured him that the lease would be accepted. The underwriter went to her manager and there was no hope. I received the letter of denial. 
Not only did I waste time but also money and XXXX. Someone dropped the ball at your bank and the least your bank should do is reimburse me for the inspection report charge of {$510.00} ( it included a Radon test ). 
Thank you for your consideration I would like to continue doing business with you and keep my account with your bank depending on your reply. 
XXXX XXXX offer to reimburse {$100.00} to which I said no since the least they can do is reimburse the total of the Inspection charge. I went to the XXXX Attorney General and their office directed me to go to you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
National Mortgage Settlement : XX/XX/XXXX. My home loan is currently being serviced by Ocwen loan Servicing and prior to this Homeward Residential Holdings and American Home Mortgage. I was not aware of the National Mortgage Settlement and still being abused by Ocwen which they are committing FRAUD. My loan was constantly falling behind and all they did for me was approve me for an In-House modification which did nothing for me and was forced to sign forms under duress. did my home fall into foreclosure, NO. Was I offered a principal reduction, Yes but it was added to the end of the loan and my HOME from XX/XX/XXXX is still under water. Attach is the current information on the settlement that I found and want answers and WANT OCWEN citied again for illegal practices. 

I AM NOT ACCEPTING THEIR ATTACHED REVIEW THAT WAS PERFORMED IN A THIRD WORLD COUNTRY AND WILL ONLY ACCEPT THE MODIFICATION UPON ACCEPTABLE TERMS OF THE HAMP AT 31 % OF MY INCOME. OCWEN DOES NOT DESERVE ANYTHING MORE THAN 31 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions Inc.
State: TX
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:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10.XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.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 2020-11-26
Company: U.S. BANCORP
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Reliacard account card ID XXXX my Name is XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX Address XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX My dispute resolution for fraudulent transactions and identity theft of my Louisiana state unemployment benefits deposited into my us bank reliacard account was stolen. The dispute resolution of fraudulent transactions case was resolved and considered closed and the funds were put back into my account after following and completing the entire dispute resolution process. US bank reliacard account customer service then locked my account from assessing my funds immediately after depositing the funds back into my account. They initiated an account verification process to verify my identity. I then gather all the required documents to submit to them that were required to unlock my account and verify my identity. I was given 3 options of verifying my identity by uploading the documents to there website which I couldnt do they restricted assess of my online account so I couldnt login in order to upload the documents. 2. Was by fax 3. Was by Mail. I faxed the required documents to cardholder services ID CHECK/ VERIFICATION. I faxed my State ID, Social security card, and my XXXX W2. They received my documents and verified the documents I faxed but still havent taken the restrictions off my account. They have now taken the money out of my account from my dispute resolution case which was considered closed and reconciled after I faxed the required documents needed to not verifying my identity even though I have.

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 monetary relief
Consumer complaint received 2020-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was charged {$4500.00} fraudulently by a former employer who was not authorized to make those changes. I called Bank of America over 40 times and was given every excuse the former employer gave. I proved every charge was false and I submitted the records and payments along with Government documentation proving the charges were false. The very last document sent was the Credit Card Authorization Form with my signature that authorized the company to charge my account a monthly affiliation fee of {$130.00} ONLY. This was written boldly across the authorization form that I had to provide. This has been going one for the last 4 months and I have faxed 4 sets of documentation to BOA with NO RESPONSE. Every call made by me to BOA gave me a different reason why they didn't remove the charge and every excuse was answered with documentation. I have only two letters from BOA. One removed the charge the other added the charge back to my bill with a statement the '' Regrettably, we were unable to obtain credit ( S ) to your account from the merchant ''. This dispute is an UNAUTHORIZED USE OF MY CREDIT CARD not a billing dispute. under the Truth in lending act limits my personal liability to {$50.00}. BOA has never responded to my FAXED Documentation or calls.

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 2020-06-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SELECT PORTFOLIO SERVICING, INC. never sent Monthly Mortgage Statements since XX/XX/2020. This company operates under the RICO ( Racketeer Influenced and Corrupt Organizations Act ) and their " Banking License '' should be suspended and their principals should be put in jail for criminal fraud. Also reported to XXXX XXXX at XXXX XXXX XXXX XXXX, Washington, DC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation