BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-04
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about XXXX, XXXX, I addressed Ocwen Loan Servicing , LLC with my concerns regarding the incorrect paid year to date escrow balance on my monthly statement. I went through month 's of unnecessary XXXX and back and forth with Ocwen and their attorney 's about my concerns. I was advised that there was a flaw with the paid year to date escrow infrastructure of my statement. In several emails I was assured by Ocwen 's attorney that this flaw would be fixed. However, in XXXX, XXXX, I made an additional escrow payment for {$200.00}, and it was applied incorrectly. 

Once again, I contacted Ocwen 's customer service, escalation department, and the research department about this matter. I was told the XXXX, XXXX, additional escrow payment was reversed, and would reflect correctly on my XXXX, XXXX, statement. However, when I called to follow up I was given several different answers, and to date nothing has been corrected on my statement. I have had enough of Ocwen and their run around explanations. Ocwen needs to do better and be held accountable for their ongoing careless mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid off my XXXX XXXX XXXX account. The XXXX 2015 block shows closed, but the XXXX block shows 30 days past due even though the account was already paid in full by then. They then showed XXXX and XXXX as closed as well. I disputed this with Experian and they replied that it could not be changed.

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 2016-10-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed this issue with the credit reporting companies but have not received a final response. 

I had an account with XXXX XXXX XXXX , XXXX. Since XXXX/XXXX/XXXX, I have been paying the XXXX District Attorney on this account. Since XXXX/XXXX/XXXX, XXXX XXXX XXXX has been reporting a balance of {$2800.00} to all XXXX credit reporting companies. Signature Leasing failed to report to XXXX XXXX XXXX that I was making payments through the XXXX District Attorney. XXXX different companies were trying to collect on this account with XXXX reporting negatively on my credit reports. I applied for an apartment in XXXX, XXXX and was denied because XXXX XXXX XXXX was reporting it as a collection account for XXXX XXXX XXXX , XXXX. 

Had XXXX XXXX XXXX , XXXX reported to XXXX XXXX XXXX the correct information about the payments being made since XXXX, XXXX XXXX XXXX would not have been able to report negative information and I would not have been denied for the recent rental application.

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 2017-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, NC XXXX XXXX XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear : TransUnion, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via ConsumerFinance because I need your prompt response to this issue. 
XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, 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 2015-06-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity theft and I'am trying to dispute incorrect Items on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
all XXXX bureaus failed to correct XXXX reporting inaccurate and incorrect information about current payment status

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 2016-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Experian has not removed this account XXXX XXXX XXXX XXXX XXXX from my credit report. This account is too old to be on credit file and I am withing guidelines to have old creditors removed. I am mot familiar nor have I ever paid on this account. I am asking Experian to please remove 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 explanation
Consumer complaint received 2015-10-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My enrollment at the University XXXX was from XXXX XXXX through XXXX XXXX XXXX. 
Then I enrolled at XXXX XXXX University for fall XXXX. However, I once I graduated from the University XXXX XXXX I had a grace period of 6 months on my loans. 
XXXX Loan was opened XXXX XXXX, XXXX and one was a Subsidized Federal Stafford Loans in the amount of {$2100.00} and Unsubsidized Federal Stafford Loans in the amount of {$3000.00}. Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
According to federal law : The grace period is a set period of time after you graduate, leave school, or drop below half-time enrollment before you must begin repayment on your loan. The grace period gives you time to get financially settled and to select your repayment plan. Not all federal student loans have a grace period. Note that for most loans, interest will accrue during your grace period. 
Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
Graduate and professional student borrowers with Direct PLUS loans that were first disbursed on or after XXXX XXXX, XXXX receive an automatic deferment while in school and a 6-month deferment after they graduate, leave school, or drop below half-time enrollment, which is comparable to a grace period. 

Therefore, I was not liable to pay this account until XXXX XXXX. At this time I had received an in school deferment and I was enrolled at XXXX XXXX University. At this time, I ask that you remove the 60 day late payment immediately off of my account and credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I requested Experian to investigate and remove items in my credit report that does not belong to me. They have refused to investigate causing me undue hardship and stress. In the process I have been denied credit because of these inaccurate information in my credit profile. These items are as follows:1. XXXX Bank not mine. 2. XXXX XXXX never late, 3.XXXX not my account, 4.XXXX/XXXX not mine 5.XXXX never late. 6. The XXXX XXXX XXXX not my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX Experian and since XXXX 2016 wont remove inqiuries. Stated will take 30 days for banks and institutions to respond. 30 days went by and report has not changed. Called today XXXX XXXX, 2016 and getting same statement that I have to wait 30 days for investigation of inquiries which I have no contract or agreement of service.

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 2015-04-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
In XXXX 2015, I ordered a product from Experian to get my XXXX bureau reports with my FICO score. When I ordered the product through Experian 's customer portal I was told that the FICO score was unavailable. This was very disappointing to me because I am fixing my credit and I spent my money to get an idea of my credit rating only to be set back again. Experian gave me back a refund of money, but I have no clue as to what my middle score is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I have gotten a letter from a debt collector for a loan outstanding that I never had. I tried to tell them twice, that this is not my account, nor have I ever had a loan not paid. 

The debt collector 's name is, XXXX XXXX XXXX, NJ. 
I called them and told them this is not mine, nor did I see it on my credit reports in past, so apparently they are using my name and old address on the claim. 
What can you do about this, it seems they just want to harass me no matter what.

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 2015-10-23
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
FIRST I received my deposit late then the next day my account showed a XXXX balance had no money to pay my bills or get to work which inconvenient me that my insurance was cancelled lights off days off work so messed up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Today I received in the XXXX Mail a credit report from " Experian '' dated " XXXX XXXX, 2015. '' On " XXXX XXXX of XXXX '' under the " Addresses '' section it falsely states that I live at " XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ; XXXX, MN ; XXXX. '' I have worked for the State of California for over 27 consecutive years now and live in XXXX, California. I have never visited " XXXX '' let alone ever lived there. Once again, I am the victim of ongoing " Identity Theft. '' I called up " Experian '' and they refused to " delete '' this false address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX not accurately and fully reported. 
Original Amount Unknown High Balance Missing Recent Balance Missing Recent Payment Missing CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( XXXX ) 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 promptly DELETE that item of of information from the file.

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 2016-06-28
Company: Apothaker & Associates, PC
State: PA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the lawyer XXXX XXXX representing XXXX who had purchased an existing loan of mine from XXXX XXXX when I was served on XXXX/XXXX/15 for an old loan. I was told they would sue me if I did n't come to an arrangement. I agreed to make payments with them under the condition they would remove the balance off my credit report as I made payments. In XX/XX/XXXX 2015 I pulled my credit report and noticed that the original balance and the ending balance were still the same. I called to confront the Apothaker office and asked why they had n't reported to my credit. Their response was that they never agreed to that. I asked if they recorded all conversations and they said they did. I then asked them to play back the original conversation from XXXX and they refused. I hung up, called my wife and she then called Apothaker the same say asking about the recorded conversation. They refused to play it for her as well, she asked to speak with the manager and after an hour she was transferred to " The owner '' of the company. The " Owner '' apologized to my wife about the fact that someone agreed to remove that from the report. My wife called me back to fill me in and at that point I called Apothaker and told them they were not authorized to take money from my bank account anymore because they violated the agreement. I received a nasty phone call from them a week XXXX later threatening to sue me and I could n't not pay them. Last Week on the XXXX I received a writ of execution in the mail saying they were going to seize my property. I was confused by this because I never knew I had lost a lawsuit because they told me the previous year if I made payments I did n't need to worry about a lawsuit. I contacted a lawyer and he recommended that I file a complaint with your organization. He also stated that had I contacted him last year that I never would have had to pay them in the first place because they 're a predatory company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recently learned that ( XXXX ) credit card accounts with American Express were recently opened in someone else 's name with my social security number and Date of Birth this past XXXX of 2015. I also know that this was originated with a XXXX address ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX to which I have never resided. I have now lived XXXX for the past XXXX years. I have since filed a complaint now with the CFPB with the credit reporting companies and felt it is necessary to also single out the individual creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Ross, Stuart & Dawson Inc
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called XXXX to replace my glass.  They came to my home XXXX to replace a window, XXXX times they brought the wrong glass. Because They did not bring the proper glass, I told them that I don't want them to attempt a XXXX time. They went ahead and ordered a new glass regardless.They charged my credit card without my authorization. Now they are trying to collect but I NEVER SIGNED A CONTRACT NOR authorized a XXXX glass. XXXX sided with me.  They have sent me to a collection firm. I have requested the contract from this collection firm according to The Fair Debt Collection Practices Act 15USC 1692g  however I have yet to receive the paperwork.

Company response to consumer: Closed
Consumer complaint received 2016-03-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had an ongoing issue with Santander since the beginning of our 7 year relationship. However, the most recent being that I finally gave up on them and sold my home. I closed on XXXX. I asked for an " accounting '' of fees I was charged. This proved to be to much for Santander. I was told " oh we found {$400.00} we owe you and they sent me a check for that but that made me even more concerned about charges. I asked for a full accounting and was given the run around for several weeks. Finally someone got back to me and it was to tell me they do n't have to show me their attorney invoices because they are protected under attorney client ... .well if it was for work they supposedly did for my property I would think that would n't fall in that category. Also, why did it take months for someone to say that. They are HORRIBLE at customer service and could not prove all of the " fees '' that were taken from me. I am owed a refund.

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 2016-08-11
Company: Olympic Collection Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I am currently trying to pay a debt that totals {$58.00} and I am trying to make {$5.00} payments until the debt is paid and the collector is stating she can only take payments of {$50.00} or more. How am I supposed to pay off these debt if I am a single mother of XXXX and helping my elderly parents? Unfortunately we all do n't have incomes that allow us to make {$50.00} payments without worrying about food, gas and other essentials. She is threatening to take legal action when I am trying to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
They credit bureaus refusing to send me a free copy of my credit report and score which I 'm untitled to under the fair reporting act the reason why is because they have insufficient information on my credit report that they do not want me to see or dispute as ruining my life liberty and freedom it 's affecting me.and causing me hardship

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Hello. I am in the process of clearing up all inaccurate and wrong information on my credit reports. 44 Days ago I send a certified letter ( copies saved ) that requested Corrected information and PROOF of any errors they are not removing from my personal credit report. I have not received anything, no reports, no credit file or questions. I sent this with proper ID proof and a detailed letter and account numbers. They have in the past kept false reporting on my report that are not even mine.

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 2016-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
When I went to court on this debt, the Plaintiff 's attorney stated that he could not provide ANY documentation or the original, or any copy of my signature on any signed contract, or any other original documents showing that this was my debt. But that because he had my name on a piece of paper, that I owe the debt. This is in violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
File # XXXX I reported that in XXXX 2016 XXXX of XXXX XXXX Florida did a hard pull on my transunion credit report WITHOUT express written or verbal consent from myself. 
I called XXXX and they ran my son 's that day but claim never ran mine. Yes they did, yes they lie, check my credit report. My credit was shared illegally and wrongfully with XXXX. 

Transunion did nothing but add my letter to my file. The hard pull is still there and I request it to be taken off. 
Thank you, 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 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
cant get my cr 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 2015-03-27
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have completed all payments, but it still shows as an open collection on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation