BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Discover bank has defamed my character, reported incorrect information on my credit reports without validating the debt and garnished my wages with a faulty lawsuit. They have violated quite a few of my rights pursuant of the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I have used Western Union multiple times in the past to send money to my fiancee in XXXX for purposes of my wedding. The last time I did this, they put the transfer on hold and asked for a lot of personal information - including my passport, ID, father 's middle name, purpose of the transfer, recipient 's information. This was honestly all more than I wanted to give for a simple money transfer. However, as I wanted it to go through, I sent this information to them. That transfer went through eventually. About a month later, I tried a money transfer again - this time they informed me that the transfer was cancelled for an unexplained " business decision '' and that it would take me 7 business days to get a refund of my money. This is terrible service - randomly cancelling money transfers without any explanation and then taking up to 7 business days to refund the money back. If they are to stop and refund in this manner, I would expect the refund to take at most 1 business day, not 7. The transfer has already been paid so I am waiting for the refund before I can try another service to send money. I will never be using Western Union again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Dear CFPB Complaints, I have requested my free annual credit report from Equifax on several occasions starting from XX/XX/2020. But each time I request the report, Equifax sends a pre-written auto-response indicating that I should apply again ... 

My previous requests have included information such as my driver 's license front & back, social security card and a gas utility bill. I have attached these documents for CFPB inspection. Also note, the XXXX email account I am using with my CFPB account usually appears on my credit reports. 

Please CFPB can you tell Equifax to send my free annual credit report. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT! 
PLEASE REMOVE ALL NEGATIVE REPORTS IMMEDIATELY!

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 2022-03-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT! 
PLEASE REMOVE ALL NEGATIVE REPORTS IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiry is unauthorized : On XX/XX/2020, XXXX XXXX  add a hard inquiry on my credit reports.

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 2022-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Hello, My name is XXXX XXXX I believe I was wrongful do by amongst Capital One secured credit, and XXXX XXXX  checking account. 
I had a secured credit line of XXXX $ which is not allowed 10 % over. 
Capital one pulled multiple payments XXXX {$300.00} $ payments from my bank ancount to the point it overdrafted my XXXX  XXXX  XXXX . However on the credit card it stated I never paid a bill on time and I infact owed them the XXXX $ The pulled from the bank. Months of calling both the bank and capital one and have three way calls and be promised checks NOTHING happens. I now go without food, medications, spiral into XXXX because of debt fear I destroyed my first line of credit losing my car and apartment. They end up making me pay XXXX $ when my account was positive XXXX $ before this mess. They made me lose my home. Capital one shut my credit card off. They did not acknowledge the severity of the problem. Left me financially in a dark place all winter and I want to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is the XXXX complaint my husband and myself are filing against Ocwen Loan servicing.LLC. At the time of our first complaint we did not have the title document. I received it from our new lender. I faxed it with the property address to XXXX. And got no response. I emailed it not once but twice with the property address to XXXXXXXXXXXX. I received an email stating this was an active aaccount. Ocwen caused us to have to go with a higher interest rate and caused my husband 's credit rating to drop XXXX points. We should have closed in time to pay our sons tution, but did not. Had to take a personal loan witha high interest rate to pay. it. I feel the least they can do is restore our my husband 's credit rating. I am uploading the title document, email from Ocwen, the Lien release dated XXXX/XXXX/14 and the new bill hey sent dated XXXX. I also spoke with XXXX XXXX and sent him the information and was promised a responce and never got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Caught up in the sub-prime mortgage and the housing market crash, my mortgage has been tossed around to finally land with Ocwen loan servicing for XXXX. Due to the loss of employment XXXX for my boy friend, who contributes to half of the mortgage payments, and my job loss a couple years after, we have fallen behind in our payments. Starting in XX/XX/XXXX, Ocwen started refusing partial payments from me and ( sort of ) started the modification process that has been going on since XX/XX/XXXX and continues today. 
To summarize, from a time line I have compiled on my mortgage situation, I offer the following information : Summery : XXXX Modification Packets sent to Ocwen between XX/XX/XXXX - XX/XX/XXXXXXXX phone appointment re-scheduled by Ocwen XX/XX/XXXX-XX/XX/XXXXXXXX ( possibly more ) requests for additional information on my second employer. 
XXXX Relationship Manager changes. 
When speaking to modification representative as well as the weekly auto-calls, the service representative does n't seem to know any information on current correspondences or that I am already working on modification. 
Over this time the late fees, photographing the property ( which is only an image of the corner of our garage from the road ), un-realistic property value comp and a random fee for modification request back in ( I believe ) XX/XX/XXXX, that was not stated on any of the forms has been added to my debt to Ocwen. 
The big hold op for Ocwen seems to be my second employer which is a 15 week teaching position. After sending Ocwen my teaching contract, copy of the last pay stub and a letter from myself explaining the payment schedule, Ocwen tells me it is not enough and has to review it. Now on my last phone conversation with Ocwen, they said the information I had sent in regards to the teaching position does not fall into the government guide lines. Ocwen has put off another modification phone appointment so they can review the information yet again. Mean while, my anxiety and anger increases, I can not make any repairs or improvements on the house and myself and my bot friend can not get on with our lives without fear. 
Every time Ocwen requests a bit of information it is not always what they really need. They seem to communicate with out clarity. So I may send what they asked but dates will be wrong and then I have to fix that information. And so it goes around and around. I have gone through a local agency, XXXX XXXX ( XXXX XXXX ) who were a big waste of time and not helpful. I also talked to a finance councilor, who after giving them all the information the Ocwen has, told me that we should be all set for a loan modification. 
A friend led me to your organization and I trust you can help. Thank You. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sir or Madam, Bayview loan servicing is dual tracking my client 's house into foreclosure while a loan modification application was pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: TN
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 have unrecognized and unauthorized credit inquiries on my report. I have never had any accounts with any of these named inquiries, nor have i applied for credit with any of them. 

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 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 2021-01-13
Company: EQUIFAX, INC.
State: FL
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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. see the attch U S DEPT OF ED/XXXX/XXXX Past Due Amount : {$5600.00} XXXX XXXX XXXX  XXXX Past Due Amount : {$2100.00} XXXX XXXX XXXX  XXXX Past Due Amount : {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage has been with Ocwen for approximately 15 months, and during that time all of my payments have been made in full and on time. 
In XXXX 2015 I received a check from Ocwen for {$1100.00}, without explanation. When I looked at my online account I saw that Ocwen estimated my property taxes to be {$550.00}. My taxes were due in XX/XX/XXXX and the actual amount due was {$1600.00}. So I realized Ocwen had miscalculated my taxes, resulting in an overage in my escrow account, and that is why I received this check. I made the first of many calls to Ocwen, wrote XXXX letters, and returned the check to the Escrow Department as directed by Ocwen 's Customer Care agents. I mailed the check on XXXX XXXX, 2015. 
The {$1100.00} has never been returned to my escrow account. I last spoke with an Ocwen Customer Care Supervisor, XXXX, # XXXX, who told me that she would " escalate '' an inquiry with Escrow Department and call me back when they had responded to her. I have not heard back from her. 
Two months is more than reasonable and adequate time for Ocwen to return my money. My phone calls to Ocwen Customer Care have been disregarded and not followed up. 
I want my {$1100.00} returned to my escrow account and I want to be credited with back interest from XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Prosper Marketplace, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX, my legal husband, took out a loan with Prosper in my name and named my personal checking account for the payments without my permission. This was done in XXXX 2016. A police report was filed by me, XXXX ( XXXX ) XXXX, in addition to completing the fraud packet required by Prosper. A subpoena was issued by Detective XXXX XXXX, XXXX County Sheriffs Dept. for the loan documents and the investigation of XXXX XXXX is ongoing. Prosper continues to assess interest charges to this loan despite fraud being accused by myself AND the accusation an open investigation with the XXXX County Sheriffs Dept. in XXXX AZ. XXXX XXXX has advised Prosper that he has documentation and the entire case report and advised them how to get a copy of the report. Prosper has not responded to him. They recently notified me they have not found any evidence of fraud and are holding me responsible for the loan, despite this being an open investigation with my police department. XXXX XXXX in the Prosper fraud dept. refuses to contact me by phone despite the numerous phone messages I have left for her. I DESPERATELY need a third party to help me with this loan company. It is grossly unfair to continue to assess interest fees and late fees when an open fraud investigation is in process. I have asked in writing to Prosper to acknowledge my dispute of their determination that no fraud was committed. They have ignored this request of mine. Please let me know what agency can help me with this Loan Shark Loan company! 
**I HAVE SUBMITTED MY NAME AS THE BORROWER BECAUSE MY NAME IS ON THE LOAN. I AM NOT ADMITTING TO HAVING APPLIED FOR THIS LOAN. YOUR FORM DOES NOT ALLOW ME TO PUT XXXX XXXX NAME AS THE BORROWER AS I DO NOT HAVE HIS INFORMATION. 
XXXX XXXX, victim

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XXXX/XXXX/15 I sent a cease and desist letter to One Main. They have violated this request by continuing to call me XXXX times a day, for the whole month of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-11
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Roundpoint Mortgage on a short sale for several months, after working with XXXX on a short sale for a few years. XXXX sold the loan to Roundpoint. The property in question is appraised at XXXX, I have an offer on the table for XXXX. After multiple rounds of providing tax returns, bank statements, pay stubs, and packets of forms including things like the uniform borrower agreement, Roundpoint continued to ask for more and more. Each time they would ask for a document I had already provided - but now they need it on different letterhead, or signed in a different place, or in a different font - it was getting ridiculous. I received a hearing to appear in court with 5 days notice. I appeared, and Roundpoint 's attorney did not. After much legwork it become apparent that the bank either did not confirm the hearing with the courthouse or canceled it, and I was of course not notified. I called the law firm on the summons, and found out the property was scheduled for auction the following Monday, and Roundpoint had not notified XXXX ( who was driving the auction I believe ) that I was actively working on a short sale. This was on Monday XXXX. The law firm looked up my case, and confirmed that if Roundpoint notified XXXX before the auction, they would postpone it. On XXXX, I found out that Roundpoint rejected the short sale offer back on XXXX and sent me a letter, which I have not yet received. The auction is now Monday morning - which leaves me no course of action. Throughout this process I have provided all reasonable documentation requests, while Roundpoint continued to change their requirements. I do n't understand why Roundpoint refuses to work with me. I do n't understand how they can just keep changing their requirements and rules to avoid having to accept any short sales.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo modified my mortgage without notifying me and foreclosed on my home This happened in XXXX I was given this website to see what can be done at this point

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 2021-01-13
Company: EQUIFAX, INC.
State: MO
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:
Per a credit report I received in XX/XX/2020, there were opened credit cards and addresses that were fraudulently attached to my social security number. I reported this to Equifax and major creditors and have a fraud alert placed on my account. I have filed a few disputes on the account, but not all has been adjusted. I need these taken off of my credit score so I can be adjusted to where my true score should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019 i opened a new account with XXXX XXXX XXXX XXXX for cell phone service i took the phones back and cancelled service with them before my 14 day trial period was over. They actuallys till owe me sales tax and downpayment back that they never refunded. I have fought and fought them and still trying to collect on something i dont have or set up. 

The representative said this would be taken care of and removed from my credit reports but it still shows up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
on XX/XX/XXXX Called to inquire about XXXX NSF fees. Customer service stated the fees would be reimbursed, unable to process there transferred to a different department where I waited on hold for a total of XXXX hour XXXX minutes. Then the line simply disconnected. 

2nd attempt -placed on hold XXXX hour XXXX minutes 3rd attempt- placed on hold XXXX hours XXXX minutes Then the line simply disconnected. 

LINE/CALL SIMPLY DISCONNECTS!!!!

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