BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for BK Chapter XXXX on XXXX. Eventually in my desire to keep my home I applied for loan modification with OCWEN and completed my XXXX trial payments in the amount of {$1900.00} each month on XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX respectively to be considered for HAMP. After fulfilling my XXXX trial payments & after signing the HAMP Agreement ( which I had to send back to them for them to sign as instructed ), I was instructed by one of the relationship manager from OCWEN to get a " Motion To Get Quote ( or Court ) Approval '' from my BK lawyer. I was also told that I do n't need to make any monthly payments ( for XX/XX/XXXX & XX/XX/XXXX ) and that my HAMP application will not be processed or approved until they receive the required legal paper from my BK lawyer. I was also advised that monthly payments will resume after I receive back the signed HAMP agreement. 
I was surprised for OCWEN to tell me that I still needed to pay for the months of XX/XX/XXXX and XX/XX/XXXX when I followed up the status of my modification in XX/XX/XXXX because I have not received any papers from them yet. I asked them for the transcripts of all my telephone conversations with them that occured in the month of XX/XX/XXXX to prove to them that I was told not to pay while the HAMP application is still in review but they declined to provide me the full transcript and I was told that I needed to pay for the months of XX/XX/XXXX & XX/XX/XXXX which I declined to do so pending my request 's fulfillment which is the telephone transcripts for the month of XXXX. 
I called OCWEN again in XX/XX/XXXX and I spoke with one of their employees named XXXX ID # XXXX and requested the following : XXXX. Transcript of all telephone conversations between myself and OCWEN that occured XX/XX/XXXX and XXXX. Billing statements. XXXX promised me that billing statements will be sent to me as well as the telephone transcripts requested in a couple of days. 
It 's been almost XXXX weeks now and I have not received any billing statements from OCWEN since the approval of my HAMP and I have not received the telephone transcripts that I requested. 
Also for your information, I have not received any decision yet from the BK court for my BK application up to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have tried to transfer money from my XXXX joint account for a couple of months now but kept getting a generic error ( " technical issues '' ). I called them about it on Friday, XX/XX/XXXX, and they told me they had restricted my account for withdrawals without any notification, and couldn't provide any reason for that. 

I got that account unrestricted on the phone and initiated a transfer thinking I was all set. However, later that day, I got an email from XXXX requesting I call back. I called back on I spoke to an agent who said a specialist would need to look at the account. I was on hold for 30 minutes and the agent took down my number and said the specialist would call me. I haven't heard anything since, haven't been able to get in touch, and now am completely locked out of my account. 

The bank is holding my assets, not letting me transfer any money out at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked several times for verification of this debt, i have never received any actual proof that I owe any money, they still reported this account to the credit Bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This collection company does n't abide by the laws set forth by the FDCPA and have made clear violations of FDCPA 809 ( b ). I was never contacted by this company regarding a debt they were collecting on. I found out by credit monitoring service that reported new collection activity. After reviewing my credit reports I disputed this collection account with the XXXX of the XXXX major credit reporting agencies ( XXXX and XXXX ) as XXXX was not reporting such account. Both disputes with XXXX and XXXX came back as verified so I sent a letter to Ability Recovery Services requesting validation of the alleged debt on XX/XX/2016. They failed to respond yet continued to update their collection status on XXXX and XXXX and even started reporting to XXXX. I had to file an initial complaint with the CFPB regarding their lack of response to my request and their continued reporting of alleged debt. They responded with their documentation and claimed that they mailed a response to me on XX/XX/2016. I never received such response. They attached the documents they claim they sent me and both documents are dated after XX/XX/2016. Regardless, their continued and new credit reporting and collection efforts occurred between the time they received my request for validation and the time they claim they responded to my request. I am hereby filing a complaint against this company for their violations of FDCPA 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was a victim of identity theft. I filled out an affidavit with a notary I also have a police report. I mailed, faxed and email my document to Common Wealth Financial Service beginning in XXXX. I have called numerous time to get my situation resolved. I have yet to receive any details of the bill who I owe and why I owe. It has been well over 30-60 days. Each time I call in I get the run around from very unprofessional representatives. We are waiting but never given a description of what.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Ability Recovery Services, LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I had a missed call from them I called back she started off with an attitude I told her that my computer is broken so I could n't do my schooling I work to much to get to a library and my friends do n't have an extra computer to borrow she told me the balance and she offered {$15.00} a month I said that 's fine no problem but I had to get back to work told her to call me back after XXXX. She called back and I had my boyfriend answer they one did n't asked him to verify my info and they disclosed to him that the call was about a debt. I gave them my okay to speak to him after they disclosed. they were giving him a hard time and he asked to speak with a supervisor or manager and they said no they said that they are not gon na be calling and any more communication will be written .. I never said I wanted that the lady ended call after. we called back and was pretty much begging for a supervisor the male kept saying we were very rude and he wont assist us. and kept hanging up on us. I have recordings of this going on also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Ray Klein, Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX 2016, I attempted to reach out to Professional Credit Services located in XXXX, OR for a collections account that is related to a medical bill. During the conversation, the agency stated they would investigate this account ( when I never requested this ) and never sent me any information about this collection so I can understand what medical insurance documents I had to send to prove it was paid. I am not certain how something can be investigated if I never got any information about it and I am unsure what specifically they are attempting to collect. According to the credit bureaus, the collection is for the amount of {$540.00} originally and now it is stating it is {$770.00}. Firstly, I attempted to go on all credit reporting agencies sites ( XXXX, XXXX and XXXX ) and it does not allow me to dispute because the collections agency Professional Credit Services recently updated their commentary on the account. The commentary on the account is not right! It says that the consumer disputed and the account is FCRA compliant. How is the account FCRA compliant if I never received any documents about this account and any evidence that the fees charged are valid. Under FCRA it states, '' report results to the consumer, generally within 30 days. '' It is more than 30 days at this point. There is no paperwork to denote the accuracy. I am requesting that the collections be removed from all bureaus due to noncompliance by this collections agency to properly send information pertaining to this account and adding on additional fees that were never identified or properly explained.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: SQUARETWO FINANCIAL CORPORATION
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I DO NOT KNOW?, I live in XXXX, and after signing up on karma, XXXX to 8 months later these XXXX ( XXXX ) remarks shows up on my credit history. 
I written to both companies over two ( 2 ) weeks ago and no response, using your cfpb letters. 
I want these wrongful remarks off my credit history.

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 2015-10-15
Company: Empowerment Ventures, LLC
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a rush card. They claim to have had a system update 3 days ago which was only supposed to take 3 hours. It 's now going on 4 days and I have no access to my money. I missed worked today because I ca n't buy gas. I need groceries for my family. I call the customer service line and I get hung up on it told to call back. No answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am filing this complaint because I feel li ke wells Fargo has cost me lots of money with my overdraft fees telling me I needed multiple accounts to manage my banking and now I am broke and owe credit card money visa I want help and an Audit on all the accounts that wells Fargo opened up under my  name I can give you all accounts that I have known about about that they opened up their might be more I really do n't know but my credit is  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had hade a XXXX, and a company XXXX XXXX remote services had sent me a XXXX that would check my XXXX once a month, I received notice the XXXX was discontinuing this service and for me to send the equipment back to them, which I did. For the next few months I would get a phone call from XXXX calling to check my XXXX, I explained that I had returned the equipment at the request of the company. 
Evidently they were still billing XXXX and of course they would not pay because they were not providing the service any longer. 
And XXXX started trying to collect from me. I had explained that I no longer had the machine nor was there any service provided. 
But it fell on deaf ears. I filed the paperwork necessary to prove my claim several times, but to no avail. I am at my wits end as to how to make this collection claim go away. It is not a lot of money about {$60.00} I think, but it is the principle od it I do not owe it. 
I have contacted the collection agency several times and they tell me that they can not provide me with the original bill, as XXXX has gone out od business. I feel tat this is some sort of scam and I need your help to resolve it. 
Thank you,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Scottrade and their affiliates can not be trusted. Scottrade states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, Scottrade will not provide me with an arbitration agreement. Because of this and many other issues, I am refiling this complaint against Scottrade for the fifth time with the CFPB. 

Consumers beware, I have filed more than 5 complaints against Scottrade trying to get a copy of the arbitration agreement and each time Scottrade responds with a boilerplate letter saying " we consider this issue closed and will no longer be responding ''. 

In the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution?

Company response to consumer: Closed
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
Put money on my card on XXXX XXXX 2015 and I 'm still waiting for it to be credited to my account I have called a whole bunch of times to the XXXX number is the XXXX number to get hung up on that is the runaround I 've left messages via rush card via XXXX XXXX unirush ... too no avail..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, Recently, Scottrade XXXX made the following disclosure to customers : https : //about.scottrade.com/updates/cybersecurity.htmlI would like to know if Scottrade Bank was also involved in this databreach. 

Sincerely Yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: SQUARETWO FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Cach LLC to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 2016-03-19
Company: Midwest Recovery Systems
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Transunion. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Chase Credit Card Services charged all of me purchases at the higher - cash advance interest rate for over 8 years and would not change it to the lower rate. As a result, I ended up paying {$1000.00} more than I should have. After multiple attempts to have this corrected, I had to pay off the card and close it. This also hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: PNC Bank N.A.
State: AL
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:
On XX/XX/XXXX, I called PNC to inform them that the account they have reporting to my credit report was opened fraudulently. I spoke with someone named XXXX and she gave me an address to send my police report and FTC affidavit. I did so the next day but haven't heard back. I am attaching it here because I need this issue resolved and the account removed from my credit reports immediately because it is both fraudulent and affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have been trying for several months now to repair my credit and my letters sent to the credit bureaus have been ignored. 

My credit report reflects many accounts that are being reported incorrectly, such as last date of activity, late payments, balances. I have the right to a fair credit, to be correctly reported in the 3 credit bureaus

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 2017-03-07
Company: QuickClick Loans of Illinois, LLC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have fallen behind in my psyments. I made a payment 11 days ago, and the company has called me multiple times. I received a call at my workplace which was answered by XXXX of my subordinates, causing me great embarrassment and disclosed the fact that I have a loan that I am behind on. I had previously told Brookwood not to call me at work. They called under XXXX, of which I have attached a PDF photo of the office caller ID. I told that person a XXXX the never call me again at eork, as my employee now knows I am behind in my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a credit card debt with Santander bank and it is well overdue. They took the money from my checking account to cover some of the debt. The funds are from my Military XXXX pay. They took {$900.00} on the XXXX of the month. I was told they can not take money from my government XXXX check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
RECEIVABLE RECOVERY XXXX - I have no record of any contact from this company regarding a small {$310.00} medical bill. They have placed a delinquent notice on my credit report. I moved recently and it 's very likely they sent bills to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage with PennyMac. In error, I did not notice that they had been escrowing $ for my insurance of which I had on the property until the took an additional {$500.00} with my XXXX payment. My error. I have called them along with my insurance company repeatedly regarding and my insurance has sent over the proof declaration page multiple times. Every time I have called they say they did n't receive it, even once when I was assured the rep was on the phone with my insurance and would not hang up until she saw the fax. Well that was not true as we had to send again the week later. Also they say they take notes, but then they have nothing regarding. After numerous calls and runarounds, I was assured XXXX/XXXX/15 that I would be receiving a check for {$1900.00} from XXXX # XXXX and to call back today to see when it would be processed. Now after multiple runarounds, I am told that they do not have it, they have a 90 day binder and that is not enough to release the funds which 100 % contradicts what they told me last week. So again, I have to contact my insurance company to send them over a new declaration. They have had the documents no less than 3 times of what they needed. They are STEALING my money I am owed and was promised I would get on my phone call last week. I assume they are filing it to the wrong loan or something, because they can not get it right! I have spoken from the names I wrote down to XXXX # XXXX, promised call back, did n't, XXXX # XXXX promised would stay on hold with insurance company until she had correct form, have spoken to XXXX XXXX, today was XXXX who swears they only have 1 document which is wrong. This does not include the numerous calls my insurance company has made with them as well to straighten this out.

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