BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-29
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Someone hacked my Chime account and started changing my phone number and my password so I didn't have access to my account. I called chimes immediately and told them the person who made those changes wasn't me and that I needed to speak to fraud department. They told me they didn't have a fraud department but that they had placed a freeze on my account. They then said to send copies of my driver license, social security number and to email a picture of myself ..... I email them all these information multiple times and I called to see if they had received it and they kept saying they didn't received anything. I told them I have the proof I have sent all the information multiple times and they wouldn't respond to me, they ended up closing my account, they didn't send me the money that was left in my account like they said they would and they left a horrible report on my credit report as if it was my fault that someone was doing fraud and they couldn't do anything about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In 2013 I had modification done on my home mortgage due to a financial hardship brought on my medical issues. I did it to lower my interest rate and make my payment more affordable. Ocwen mortgage services my loan and has for several year. They offered a XXXX Modification. That was the only option they offered. They said that if I sold the property or refinanced they would take a portion of the equity in the home as payment for me being able to reduce my interest rate. the reduction was only about 1 %. I asked at the time if the XXXX was based on the current value of the home or if it would be based on future value. The Ocwen rep told me it would be based on current value. When the sent me the paper work to sign a rep From Ocwen was on the phone with me at signing to go over all the details, when we got to the portion of the paperwork that discussed the XXXX amount I asked, again before I signed if it was to be based on current or future value. Once again I was told it was based on current value which would be about {$2000.00}. I signed based off of the information I was given twice by there rep. I am currently trying to refinance and cut my interest rate by more than half. When the mortgage service I am going through got the pay off from Ocwen it has an additional {$13000.00} added to it for the XXXX. When I called them to asked how it jumped to that amount they told me because of the current home value. When I asked why they were taking current value instead of the value of the home in 2013 they said because that was what the agreement stated and they refuse to lower the amount. I explained what I was told twice by THEIR rep what the amount was based on and they pretty much told me tough luck, even though their rep was supposed to know more than me and be able to answer my questions knowledgably and gave me false information. I would just have to deal with it and if I wanted to refinance that I would have to pay the extra {$13000.00}. Because that amount raises my LTV so much I am not able to have the loan refinanced because it puts me out of compliance for a new loan. So therefore I have to stay with Ocwen at a higher rate,, and payment and the more my home value increases the more they can take from me. I think when you are closing on a loan, refi or modification and you do n't understand something on the contract and you specifically asked the rep a question and are given a specific answer they should have to stick by the answer given by their rep. After all, the are the experts, not me. I feel like I have been grossly mislead and taken advantage of my Ocwen Mortgage services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016 I submitted an electronic withdraw payment from my XXXX account to pay my mortgage with Ocwen Loans. On XXXX XXXX, 2016 I received an email, on my bank statement, and electronic withdraw statement from my bank that the funds were withdrawn from my account and sent to Ocwen. Ocwen reported to me that they did not receive the funds until XXXX XXXX, 2016, making it 30 days late. Because it has been 30 days late, it is now showing on all three of my credit report. I talked to XXXX XXXX an escalation department manager. I emailed him documents that showed that the funds were sent and paid on XXXX XXXX, 2016. He talked to his accounting department, they reported to him, and he reported to me on my voicemail that they can not remove the 30 days late from my credit report. I 'm not satisfied with their decision, and I want the 30 days late to be removed from my credit report. I showed proof that this payment was paid in full by the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am currently on a pay-as-able plan and not paying anything. My income is indeed too low. My XXXX year old father co-signed for a small summer loan -- a PLUS loan -- and TWICE now Navient has tried to collection from him ( the co-signer ), even though I am considered current. They readily admitted their mistake AND apologized ( to me ) for their error and for upsetting him. But he is spooked by this and his demanded that I pay it off. Fine .. I barely have enough money, but can do it. The loan as originated was {$3600.00} ... but here 's the thing, they want {$6300.00} for the pay-off amount. That 's almost double the original amount, so I asked them ; can we not agree on a more reasonable payoff amount? I offered {$4200.00} cash .. today. Their answer was " we do not negotiate '' pay-off amounts. We 're not a bank, we 're the Dept. of Education. '' Can this be right? Thanks in advance for your attention to this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I called my loan servicer on XX/XX/2022 to refund payments that I made during the Covid-19 forbearance. These payments total {$26000.00}. Since then, I have not received any confirmation about his request, and have also called and emailed the company. Moreover, about {$1000.00} of the refund payments are from a checking account that is no longer. I've repetitively contacted the servicer, but have not received a refund check, an updated balance, nor much information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CITIBANK, N.A.
State: PR
Product: Credit card
Issue: Billing disputes

Complaint:
I have disputed the following item with the credit bureaus and creditor and have not received proper verification or validation to show this account belongs to me and that they are reporting accurately within guidelines of the FCRA, FCBA and FACTA.

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 2022-05-29
Company: EQUIFAX, INC.
State: FL
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:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2015-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed XXXX XXXX XXXX account number XXXX to Experian. On XX/XX/XXXX I was foreclosed and the property was re-disposed back to the lender. The judge said I was no longer attached or responsible for the mortgage anymore. The Independent Foreclosure Review found XXXX XXXX XXXX for improper foreclosure practices. They wrongfully turned down a modification. XXXX was in connection with an enforcement action related to deficient mortgage servicing and foreclosure processes. Now is XXXX XXXX XXXX. Now XXXX XXXX the Florida Attorney General and the Consumer Financial Protection Bureau have reached a settlement with XXXX. XXXX is operated by XXXX in which was found guilty of mortgage fraud. XXXX XXXX XXXX is trying to collect a mortgage I do not own. I disputed this claim to XXXX and XXXX and they deleted it from my credit report no questions asked. Experian only deleted the foreclosure but not XXXX XXXX XXXX account XXXX. This was about three years ago. Experian back then told me it would be deleted XX/XX/XXXX which is 7 years. Now I called Experian and now they tell me it can not be deleted only to be moved from a negative account to good standing account which the account becomes positive. I explained to XXXX why is this staying on my credit report file if I do n't own it and the other credit bureaus deleted it 4 years ago. Also I mention to him the statue of limitations is 5 years in the State of Florida to collect a debt which is way pass its time. Again, he could not answer me. His final words to me ; The XXXX XXXX XXXX account XXXX is going to a positive status between XX/XX/XXXX to XX/XX/XXXX. It will stay positive in good standing section and deleted from the negative section. He said they can not Re-Aging the account, its illegal. If they do it will be deleted automatic. Right now they need to closed the account for it to be completely deleted other wise it stays on in good standing. He suggest I contact a lawyer. Please reinvestigate this matter and delete the disputed item as soon as possible. Thank you for your time ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: OH
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:
All credit Bureaus Has been notified of these fraudulent activities and they have no follow the rules of congress and removed all information listed in FTC and Police report and written letters sent. 

PLEASE HAVE THEM REMOVE ALL ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
All credit Bureaus Has been notified of these fraudulent activities and they have no follow the rules of congress and removed all information listed in FTC and Police report and written letters sent. 

PLEASE HAVE THEM REMOVE ALL ACCOUNTS

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 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am holding a letter from bancruptcy court that they never reported to any of credit biro agency. i am willing to sue credit agency 's for reporting from a third party not the court it self.

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 2022-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Capital One with proceeds from the sale of my home on XX/XX/22. I happened to look at the account online soon after and it stated that my funds were not available. I contacted Capital One ( who had not attempted to contact me regarding this issue ) and they said that my account was under investigation, that they were severing our business relationship and would not provide any information as to when I would be able to access my funds. 

It has been 45+ days and I have reached out too many times to count and no one will speak with me or return my calls. They will only transfer me back to the " consumer fraud protection '' extension which asks that you leave a voice mail and promises to give a call back within 48 hours. No one returns my calls and I have not received any communication email, written etc. from Capital One regarding the status of my account. 

As a result, I have been forced to rent a home on an interim basis as my funds were not available to purchase the new home I had planned. I am physically sick over this situation and finally someone on XXXX mentioned that they had had a similar situation with Capital One and recommended that I reach out and file a formal complaint with your organization in order to get access to my money. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: RoundPoint Mortgage Servicing LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The original servicing lender was great, we made all of our payments with no issues or problems at all, so when my servicing lender switched in XX/XX/2022 without my knowledge & I did not receive any letters until after the switch. My daughter got XXXX  a few months prior so we were a paycheck behind on our funds, since I work in a XXXX XXXX, I was automatically quarantined for 14 days without pay when my daughter tested positive for XXXX. So when the XXXX payment with the New servicing lender was due, I called them to let them know my situation. They said we could due a COVID Forbearance, and push that payment to the back of the loan. I did everything they asked me to due during this process. I was told to call them back the following month so they could remove the forbearance and I could make the XXXX payment. I was told by whomever was helping me from the company that I had done everything I was required to do, and now I could continue to make my payments from here on out. So I continued to do so. But now from that time till now, I continue to receive call from them saying that I am a month behind in payments. They are charging me late fees. Then I will talk to another person from there company and they say " oh lets get this fixed '' they tell me whomever helped me in the 1st place didn't complete the Covid forbearance process and that is why I'm receiving the calls. They tell me everything is fixed now and I can continue my payments. Then a few days later they call me to tell me that I am a month behind on my payment and late fees will be added. You can look at my payment record and clearly see I have made every single payment, Except for the XXXX payment which was supposed to be put on the Covid Forbearance and places to the back of the loan. This is my 1st home purchase ever, and Round Point Mortgage that I was switched to without any knowledge, letter in the mail, or phone call, is making me sick. I'm constantly worried I'm going to have my home for closed on all because whomever I spoke place in the 1st place did not do there job to comete the forbearance process. I am sick of dealing with them. I have made every single mortgage payment, with the company before ( XXXX XXXX XXXX ), as well as with the current lender ( Round Point Mortgage ). I refuse to pay late fees or an extra mortgage payment because they did not due there job correctly. I want to get a new mortgage lender but do not know how to do so, since my original lender switched to the current lender without my knowledge or permission. PLEASE HELP ME. 
Thank you for your time. 
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 monetary relief
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
these inquiries are unauthorized & have not been validated, can u please remove asap to prevent me from mortgage approval

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 2016-08-15
Company: Lendmark Financial Services
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I currently have a open loan with a company called Lendmark.They called everyday some time twice a day and insist I make a payment or they will take me to court. I have not answered my phone but the call my friend and his mother telling them to have me give them a call. I was behind two months and have actively been paying what I can to get catch up. XXXX. I was sitting at home with my electric out trying to come up with a way to pay it and a rep from Lendmark came to my home asking for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Galaxy Capital Acquisitions, LLC
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX sent me a letter saying i owe a debt from original creditor XXXX saying i owe money even though i have a paid letter from XXXX sayings its paid- XXXX continues to call my fathers house to collect this debt and disclosed my information to him and threatens to take legal action saying i committed felony fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, high credit inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-29
Company: Experian Information Solutions Inc.
State: MO
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: Their investigation did not fix an error on your report

Complaint:
I have attempted to resolve this reporting issues multiple times using online reporting via the credit bureaus websites which includes Experian, XXXX and XXXX as well as writing letters to companies for resolution. 
The credit bureaus just comeback within a few days as verified without research without looking at provided documentation. 

XXXX  XXXX : Opened XX/XX/XXXX Settled on XX/XX/XXXX In my negotiation with the XXXX XXXX representative, we agreed on the settlement amount with the understanding within 30 day it will deleted from my credit report. Documentation will be provided. 

XXXX XXXX : Opened XX/XX/XXXX Charged Off for Bankruptcy on XX/XX/XXXX This account was apartment of my bankruptcy is still shows in negative standing evening though I carry a Bankruptcy on my credit report and all the other account turned positive or deleted complete. In speaking with Colorado Bankruptcy Court, I was informed that that I am being penalized twice with this account being shown in a negative status and with Bankruptcy. 

XXXX XXXX XXXX XX/XX/XXXX This account was paid directly to the XXXX, but it still shows on my credit report, they are unwilling to delete even thought the primary creditor took payment and said that the collection action will be cancelled.

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