BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-28
Company: PHH Mortgage Services Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my FHA loan in XXXX XXXX. For one year of payments to the current servicer, PHH mortgage, all payments in the same amount and paid at roughly the same time, typically at least 15 days in advance of due date, were applied to interest, principle, escrow, PMI and additional to principle. Suddenly in XXXX XXXX, this all changed and my payments were being applied all to principle, none to any other categories. I made an additional payment, which I did suggest to leave as principle payment, at this point I was by their own agreement paid to XXXX. I made my XXXX payment on the XXXX of XXXX, I had received notice that there was a escrow shortfall, and the payment amount was re calculated. I made a separate payment of the amount of escrow shortage. Once again, the XXXX XXXX payment was credited in full to principle, not against the XXXX payment due. I have complained, nothing is changed, and I just received a collection call from this lender. PHH is the same predatory lender that I thought died in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Rosebud Economic Development Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Phone call received from XXXX at XXXX in XXXX/XXXX/2016 call was declined by me

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 2022-11-21
Company: EQUIFAX, 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 accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account  # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 1681s -2 ( A ) ( 1 ) States that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.15 U.S.C. 1681c ( A ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate 's the report by more than seven years. I have received letters from different credit reporting agency on these accounts listed above that was DELETED for inaccurate reporting on my credit report. Some accounts has come back verified. I have asked for the method of verification several times but NO response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2020 and XX/XX/2020 due to Covid 19 the government shut down the country and many states shutdown too. At the time Capital One would only take my payment via phone with a debt card or credit card, I was unable to get through to anyone on the phone due to no one working or limited staffing issues at Capital One the phone lines were left unanswered resulting in late payments being made on my account. I have asked on numerous occasions for Capital One to remove the late payments to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
1 ) My mortgage loan was with GMAC but now Ocwen take over of the loan last year. Since they are taking over, I been charge XXXX times and XXXX on the escrow acct just for the taxes. I call them so many times to resolve that issue and they response is " we are going to do a review '' but nothing happen. My taxes is only {$1000.00} for the years and they are collecting each month {$230.00} that is a total of {$2800.00}. When I call them XX/XX/XXXX to address the issue they told me any extra money left for XX/XX/XXXX they will return it to me but until now I did not received nothing. They did it for XX/XX/XXXX and now they are doing the same thing for XX/XX/XXXX. I am asking them what they are doing with the rest of the money that sitting on the acct but they can not give me an answer. Right now for the month of XX/XX/XXXX, I am already reach the amount for my taxes to be pay. I like to know at the end of the year, what they will again doing with the rest of {$1800.00} left. I told them that I am struggling with my other bills when money sitting on a account which I do not have no control over. I am really living on a budget because I only survive on my SSI money and a part time Job. I told them in that case I will pay my taxes but no answer from them. 2 ) Also my principal is {$85000.00} and my rate is XXXX and my monthly mortgage is {$900.00} a month. with that rate, I feel like my payment is too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
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:
M & M credit is reporting an account that does not belong to me of {$150.00}. I called this company and have never done any business with them. I have no knowledge of this account and it is negatively impacting my credit worthiness. Stop reporting this information to my credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen does not explain nor is consistent with additional ; l fees on mortgage account. They have no valid explanation as to why they cant submit the proper XXXX according to agreement in the XXXX modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have repeatedly applied for HARP with Citibank without receiving a response to the reason that I was denied. I received an approval on a loan modification XX/XX/XXXX, paid six months of payments at {$2100.00} per month with a denial coming in XX/XX/XXXX. Citibank logged these payments to my account for all six months in the amount of {$2100.00} per month a difference of {$32.00} for each month on XX/XX/XXXX. I had a temporary loan modification for XX/XX/XXXX to XX/XX/XXXX in the amount of {$2100.00} for each month and a Disaster Forbearance for XX/XX/XXXX to XX/XX/XXXX at the amount of {$1000.00} for each month. My Mortgage went up from {$400000.00} to {$410000.00} instead of down the amount that I have paid from XX/XX/XXXX. Citibank took one payment of {$1800.00} on XX/XX/XXXX and one payment of {$1700.00} on XXXX XXXX for property taxes that XXXX County Treasurer have never received and are charging me for this. I have paid my property taxes in full XX/XX/XXXX. I am being told that Citibank is putting my loan on a variable loan program with a cap of 4.75 % not the 3.375 % that I was approved for in XXXX and have been paying all along but can not supply any paperwork for this agreement. Because of all of this holding of payments Citibank shows on my credit report that I am 90 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: SIMM Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company XXXX Associates Inc. keeps calling for XXXX XXXX. I 've told them not to call because I do n't know this person and I 've had this phone number for 8 years. Nobody by that name has ever had my number and I do n't know where they got it from. They keep saying they 'll remove my number and they do not. They have been calling my number since 2007. I 'm tired of these calls. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Solutions To Portfolios, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have paid STP Management Group {$2200.00} for a debt that XXXX XXXX loan has no record of and now a XXXX company is calling ( very threatening ) to collect on this same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for an independent foreclosure review and the Indymac then transferred to XXXX XXXX XXXX now serviced by Ocwen sent correspondence that I was not in foreclosure and that the mistake was due to a misplaced payment yet I have fees on my account amounting to approx XXXX. I have sent letters in XXXX XXXX to all XXXX mortgage companies above and have not received a response. I also requested a copy of my original loan application, HUD -1 as well as copies of any and all assignments of my deed of trust filed in Maryland land records. I have only received a letter from Indymac stating that they have received my request but I have not received any documents or copies nor resolution to my foreclosure fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: GA
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:
There are several inquiries on my credit report that I am unfamiliar with/fraud and they should be removed because I didn't apply to these creditors : EQUIFAX ( 6 ) XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX ( 4 ) XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 8 ) XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I received an email from Consumer Financial Protection Bureau ( CFPB ) stating Bank of America ( BOA ) was still working on the issue, Complaint ID XXXX. One day later I received the attached letter from Bank of America ( BOA ) dated XX/XX/2021 stating that they consider my dispute resolved. 

Their letter doesnt address my complaint or resolve it. 

I logged on to review the companys response on the CFPB website today, XX/XX/XXXX. The website shows the status, as open and the company response is in progress as of XX/XX/2021. 

I am confused as to why BOA considers the complaint closed. 

A few days prior to XX/XX/XXXX, I received a phone call from XXXX XXXX assistant, who informed me that XXXX was working on my claim. She verified that I had in fact submitted a claim to CFPB and had sent documents. The assistant said if I had any questions I could contact Ms. XXXX at XXXX. I am not sure why I was contacted. Perhaps I was mistaken thinking that communication would take place between BOA and CFPB, not me directly.

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 2016-06-17
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt has ALWAYS been in dispute- The dept was for the EXTRA cleaning do to daily use when my son 's apartment was exited. I made SEVERAL attempts to clear and or verify information with the apartment complex, XXXX XXXX XXXX, including filing a complaint XXXX XXXX, but XXXX never provided evidence of their billing. Their billing did not match the exit papers nor the condition of the apartment and to me was clearly fraudulent. I provided all information to Hunter Warfiled and they have removed my credit dispute from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a call from Someone named XXXX XXXX claiming to be a representative of the state, and that she needed to verify who I was so she could bring me a subpoena. She kept calling after I told her not to as well as calling a friend who I was in the XXXX with over 20 years ago, and other people from my past. I asked where her office was and she did not provide any information. I check my credit report on a weekly basis, so I know this was an unusual attempt to gain information from me. I called the XXXX number that they gave my friend and it was Midland Corporation. I looked them up to find that they have thousands of complaints against them. I have no dealings with this company, so I need them to stop trying to interrupt my life. I want them to cease and desist all attempts of communication, I do n't know them or owe them anything. here is the number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I recently received letter from XXXX XXXX XXXX. Informing me they rececently have received inquiry about my dispute of mortgage loan being paid off in full by me. That being reported my mortgage still showing open as being delinquent in payments and foreclosure on my credit report through XXXX, XXXX and TransUnion that causing my credit scores not to increase.

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 2016-12-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have Judgement on my account that was on there, but it was paid in full it should never been on my report, Its all paid tax lien, it was on my credit by error, then deleted now its showing up again, my life has been place on hold for the error 's reported

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card
Issue: Other fee

Complaint:
XX/XX/2016, I made a payment of my Comenity XXXX credit card to pay off a balance. A payment was not due on the account ; however, I wanted to pay the card off. After a day had passed and the payment had not posted to my account, I contacted XXXX and discovered that the payment was to be deducted ffrom an account that is no longer active. I called and attempted to have the payment cancelled when I noticed the discrepancy to no avail. As there was no payment due on the account at the time and as I attempted to rectify the situation as soon as I was made aware, I requested that I not be assessed a fee. That account was removed frommy payment list. My XXXX account was at a " XXXX '' balance due to the erroneous payment so I was not able to put in a payment to correct the oversight. The account is always paid on time, has never had a returned payment and Comenity has the ability to waive the fee, but refuses. Even if I can not receive a credit, I think it important that this be recorded against them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I tried to apply to another bank recently and I got denied when I check the reports it stated that an account with Bank of America was opened sometime and closed in XX/XX/2019. I did not have knowledge nor give authorization to open an account with Bank of America I always had XXXX  for the past 5 years I need help with this please its very frustrating Bank America has knowledge that its was a fraudulent opened 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 explanation
Consumer complaint received 2015-10-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I was fixing my credit report it had been 7 years since my problems started. when I started disputes with credit bureaus collection agencies started sending letters they had n't before then. I wrote letters to original creditors some no response. XXXX, XXXX, XXXX XXXX Banks and XXXX of XXXX XXXX XXXX banks ( I had XXXX of the XXXX that are reported others duplicate had XXXX XXXX XXXX card then another XXXX was sent with name changed to XXXX XXXX XXXX XXXX. ( they took no accounts off my report but changed info. to closed no missed payments All accounts were sold to other companies after wrote off. This is when collection agencies began letters to me and changed all the opening and closing dates. I do n't no where dates came from could be made up or dates they bought my contracts but I have bank statements proving there wrong but bureaus took there dates as true only way they could prove those dates would be to falsify there records. Their hurting me by keeping my credit bad an it stops me from getting medical help I need. I do n't have cash for all I need so I need credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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 purchased a Jersey from an online company that was using the teams name and the store under their website name. After putting in my credit card info I was charged through XXXX to someones personal email from outside the country. I eventually received the merchandise and it was poorly handmade by an amateur person that was not even close to the size that it was supposed to be. There is no phone number to call and the package came from XXXX. I had to email them and they said they would give me 40 percent back.this was not off an XXXX site where you know this before ordering! They also used photos on their web of a real XXXX they stole off the official site with XXXX sizing. I disputed the transaction and went through the process with my Bank of America Visa card. I submitted pictures of a real Jersey that I re-ordered and showed it against what they sent. I sent them a screen shot of what they showed on their web and what they sent which was very clear of not being the same. I included a letter to them that they requested I gave them the website name in ordered from. They requested I send a letter on a Friday and Monday they denied my claim although it was well before a week before their ends date and they didnt have the letter yet. They are saying they want the Jersey evaluated by a professional company to say it is fake when photos clearly show it is handmade. When i called they said yes they can see it but they need the letter because they are not professionals on Jersey evaluation even though it is very obvious. I explained that is not possible as a authentic team store is over three hours away from me. If i had the ability to buy it local I would have. This is unrealistic especially with all the proof of what I orderiwd from what appeared to be a legitimate website and nothing mentioned in the description that it was handmade to be like a real Jersey. It did not show the huge stich lines in all directions on their web because they stole the photo to use in their web. They can see this. They are unwilling to work with me to dispute this transaction.

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