BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected by the National Disaster in XX/XX/XXXX, I was employed in a Federally Declared National Disaster Area due to the CA Wildfires. I had contacted Ocwen, the loan servicer at the time and requested disaster assistance, such as a modification. After several requests I was told to apply in XX/XX/XXXX. I applied, but never received a response, possibly because my mortgage was transferred on XX/XX/XXXX and the new servicer said my file was not yet updated. I dont understand why my loan was transferred at the same time that I was given a package to apply for disaster relief and a modification. I have requested to be considered several times, but the new servicer has no record of my previous requests. So much time has gone by and I have not received any response, any assistance and I have now been referred to an attorney for foreclosure proceedings. I requested assistance several times, prior to being in foreclosure, as a result of the disaster. I was in the process of applying and referred to an agent, at the same time that my loan was transferred. This has caused me to lose contact and the servicer to lose track of my assistance request. In a previous complaint, Ocwen incorrectly thought I was requesting assistance because of damage to the home, but I was requesting assistance bc I was employed in the Fire Area, which was not accessible and heavily affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter on XX/XX/XXXX by certified mail and they received it on the XXXX and still have not responded with a contract with my signature or anything for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On Monday, XX/XX/2018 a XXXX XXXX XXXX, call my cell phone as ask for my name and date of birth. I did confirm that i was the XXXX XXXX and knew about this debt. Did try to make arrangements with the XXXX about this issue but the officer notify me that he wasn't from XXXX XXXXXXXX XXXX and they are going to collect this debt and accuse me of opening this account in the false pretenses. Even threat me, that they were going prosecute me and take everything i owned. I at this point told him i am not going to respond to threats and please get off the phone which then told me all the personal stuff including verbally attacking me say if " if you can afford your car payment you will afford payment i offer you. So start paying up now. Which at that point i hung up to phone which he called again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
transunion took off then reinserted items from my credit report did not give me any notice that they were reinserted or why never got any letters transunion has taken more than 30 days with my credit dispute and has not removed items that i dispute more than 30 days ago.they must remove them by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I contact JP Morgan Chase Bank to submit a payment over the phone of XXXX with the effective date of XX/XX/XXXX. The representative took the payment and confirmed with me over the phone the payment would be processed on XX/XX/XXXX. On XX/XX/XXXX I received an email confirmation that my payment of XXXX was posted to my Chase Auto loan account. I contacted Chase that morning and they confirmed it posted. They advised they could not reverse the payment. I spoke with many representatives, who would not connect me to a manager, they advised me that there is nothing they can do. One representative stated I was causing her staff time to be affected. I explained to them I have a child who has medical issues and this was going to cause my checking account to overdraft and that because this was on the weekend, I was not able to purchase any food for myself or my child. The employee continued to place me on hold every five minutes and she would until the end of her shift. This caused undue mental stress to me and my child. My checking and savings account on Wednesday XX/XX/XXXX became a zero balance, no funds in my account to take care of my child. I immediately contacted Chase Bank again, they just advised to stop payment on the payment. I reached out to my bank XXXX and I was assessed a XXXX fee which Chase did reimburse, however, I have been dealing with the situation still to this date. I have escalated the situation to the presidential office at Chase and feel that they are treating me unfair and differently because of my records with them in the past I had to file bankruptcy due to a financial hardship. No one that I spoke with followed up with me to see if the issue was resolved. I am a single mother with one income, and the banks error they do not take the severity of what happened. My time is valuable and how they are treating me makes me feel they are treating me like I am some stupid XXXX. My mental stress and time is worth everything to me and a letter of apology is not acceptable for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have an HSA account with Bank of America. It is horribly managed.     I wanted to close it and transfer the money to another  HSA ac count, but was told I would need to pay a {$25.00} transfer fee on  XXXX   XXXX ,  2017 . This seems absurd 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 monetary relief
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: PA
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:
on XX/XX/XXXX I began writing letters to dispute inaccurate information on my credit report with Equifax. on XX/XX/XXXX I sent them a letter because they failed to respond. In my notice I gave them 15 days to to respond. Still no response. On XX/XX/XXXX I sent another failure to respond notice with intent to file a complaint, and they still gave not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2018-06-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
With your help I submitted information explaining this is not my account. My son and I have the same name this is his account but its on my credit. 
Company : XXXX XXXX Account # XXXX Amount : XXXX Also please please please remove these unauthorized inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO, THE ADDRESSES LIST ARE NOT MINE, HOWEVER MY EX WIFE LIVE AT THEM I'VE NEVER LIVE THERE PLUS WE WAS DIVORCE IN 1991. 
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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ALSO MY NAME IS WRONG ON THERE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. PLEASE ONLY USE XXXX XXXX XXXX THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: CORELOGIC INC
State: NC
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:
I need a validation ( not verification ) and a copy of when I sent a written permissible purpose ( 15 USC 1681b ) to validate the inquiry and a audit trail.

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 2021-06-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon reviewing a copy of my credit report I found accounts that are reported incorrectly and inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I traded my car in for a newer vehicle on XX/XX/2020 from a big dealership. Wells Fargo Auto supposedly still did not get payoff as I have reached out to finance manager at the dealership and they have sent it out almost 3 weeks ago to Wells Fargo. I believe Wells Fargo maybe understaffed during pandemic and not getting my account paid/processed timely ...

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 2022-02-08
Company: Aqua Finance, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account has been disputed multiple times and has been paid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Experian Information Solutions Inc.
State: PA
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:
I requested a credit investigation on XX/XX/2018. The credit bureaus are supposed to respond within 30 days, but so far I have not received a response from XXXX XXXX or Experian.

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 2020-11-04
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX XXXX On or about XXXX hrs. XX/XX/2020 my wife and I contacted GUILD MORTGAGE COMPANY in order to inquire and apply for a VA refinancing of a Conventional home loan. Specifically, we endeavored to transfer our Conventional mortgage product to a VA refinanced mortgage, as I am a service connected XXXX XXXX veteran and endeavored to use my VA Loan Guaranty product ( s ) Subsequently, we were connected with : XXXX XXXX XXXX Officer | NMLS # : XXXX GUILD MORTGAGE COMPANY LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX M : XXXX | F : XXXX XXXX XXXX We articulated, to the aforementioned, the product we wanted to pursue. We were told this was a product offered by Guild Mortgage Company. We were instructed to provide all information via the Guild Mortgage website application, as well as, to provide prior two ( 2 ) years W2 's. LO indicated there would be a HARD PULL upon our credit report ( s ).

We completed the application process and emailed ALL requested documentation. On or about 1800 hrs. LO called and articulated all was well and that, but for the reduction in interest rates as the result of the national election, we would have to revisit the locking in of a lower interest rate on the following day. The next day, today, about 1400 hrs. LO contacted me and stated, " unfortunately, we would not be moving forward because her company does NOT offer a Conventional to VA refinancing product and that she was not aware of this and did not find out until moments before contacting myself. Furthermore, LO articulated she would be emailing a quote for a loan product but NOT what my wife and I requested ''. I told LO, " I did not appreciate her wasting our time, especially, negligently placing a Hard Inquiry upon our credit report and damaging our credit scores, when Guild Mortgage Company does not even offer the product we need and that I was extremely unhappy! '' LO stated, " Sorry, I suggest you shop different mortgage companies in order to locate the product you want, like I said, I will email you the product offering I previously mentioned, goodbye and have a nice day! '' This is unacceptable and deleterious, false, deceptive, misleading, negligent, tortious, damaging and bad-faith business dealings by Guild Mortgage Company and their Loan Officer, as well as, a violation of the Texas Deceptive Trade Practices Act ( DTPA ) laundry list. 

Please advise, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-08-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My information was leaked in the XXXX, XXXX XXXX breach and my information was used to open up fraudulent accounts & inquiries. I am a victim of identify theft, I am in distress, I have suffered tremendous pain due to negligence of all 3 bureaus along with XXXX XXXX leaking out my personal information causing losses in many ways. I am allowing 3 business days of an internal dispute. I am seeking {$10000.00} for all the damages caused by your companies. I have filed a litigation, contacted the FTC, and many more to assure. The Fraudulent accounts/amounts : XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX {$25000.00}, XXXX. XXXX XXXX XXXX {$12000.00}, XXXX. XXXX XXXX  {$12000.00}, XXXX. XXXXl XXXX {$340.00} The fraudulent inquiries : 1. XXXX XXXX, 2. XXXX, 3. XXXX XXXX, XXXX. XXXX, 5. XXXX XXXX, 6. XXXX XXXX XXXX, 7. XXXX XXXX, 8. XXXX XXXX XXXX, 9. XXXX, 10. XXXX XXXX, 11. XXXX XXXX, 12. XXXX XXXX, 13. 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 2017-09-08
Company: EQUIFAX, INC.
State: TX
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:
My information is believed to have been accessed in the Equifax breach, the timing also lines up with when I had XXXX fraudulent charges on my card across the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Upgrade, Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have an Upgrade Rewards checking account which gives 1 % cash back on purchases made with the debit card. 

I made the following transactions on my debit card but was never given cashback in the subsequent statement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-08-28
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in reference to complaint number XXXX. It has now been 60 days since I submitted my complaint and CFPB has closed my case. 

Someone was needs to look up the check and it will show that I did sign and return it in a timely fashion. If I did n't sign it how could PNC deposit it and put it in a special fund. I have been looking for copies of the faxes regarding the amounts of repairs that were done to my home and I even called and faxes request for someone to come out to inspect the work which was done. I am also looking the contractors receipt from seven years ago.
I paid for that insurance and the repairs to my home and PNC, refuses to send me my money after seven years. I am giving them permission to still come out and inspect my home so I can get my money back. I did everything that I was suppose to and PNC kept misplacing my paperwork. If you look at all the complaints, you will see that PNC has done this to a lot of customers. 

Also why has PNC placed a lien on my home. CFPB PLEASE STOP CLOSING MY COMPLAINTS BECAUSE THEY HAVE NOT BEEN PROPERLY INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
All 3 credit companies told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer. I was victim of 2 data breaches I have not received any validation from Equifax, XXXX, XXXX they violated FCRA611. I requested that they don't use e-oscar for this and instead verify that they have the contract of my signature onsite for FCRA 609a1a. I challenge that because I never received substantial information such as an original signed consumer contract from none of them. During this time period I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from all 3 agencies per FCRA and FDCPA

Company response to consumer: Closed with explanation