BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-20
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I WAS AFFECTED BY THE XXXX SECURITY BREACH AND ALSO A VICTIM OF IDENTITY THEFT. THE COLLECTION AGENCY IS PROFESSIONAL CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX  ... .COLLECTING FOR XXXX XXXX XXXX THIS IS WHAT I AM SEEING ON MY CREDIT REPORT. I REACHED OUT TO XXXX  ON THIS ISSUE AND THEY REMOVED IT AND BLOCKED THE COMPANY. I GET A LETTER XX/XX/18 FROM XXXX STATING THEY VERIFIED THE COLLECTION AND PUT IT BACK ON MY REPORT. QUIT NATURALLY THE COMPANY WILL SAY ITS MINE BECAUSE MY INFORMATION MUST HAVE BEEN USED BY FRAUD..XXXX GOT SOME NERVE AFTER ALL THEY HAVE PUT US CONSUMERS THRU LETTING MILLIONS INFORMATION GET STOLEN. THE AMOUNT OWED IS {$260.00}. I HAVE WRITTEN TO THE AGENCY AND ADVISED THE ACCOUNT S FRAUD, I HAVE NOT GOTTEN A RESPONSE THAT HAS BEEN MONTHS, AND ALSO CALLED THE AGENCY AND THE COMPANY THEY ARE COLLECTING FOR NO RESOLUTION BECAUSE THE REPS WERE SO RUDE, SO I ENDED THE CALL..XXXX  IS RESPONSIBLE AND NOW THEY WONT FIX IT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX   has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I a made a mistake in XXXX of 2015. I did not receive an email acknowledging recept of my payment. Stupidly I made another payment and when I realized my mistake I tried to fix it immediately that did n't work so the second payment bounced. It has been 4 months and they are still not accepting payments from me. They are hitting me with all kinds of charges. I spoke to them and mailed the amount they told me to mail and they received it 2 days late and they returned it to me. I have been trying to 4 months to just pay my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
OCWEN purported having foreclosed on account number XXXX, property address XXXX XXXX XXXX, XXXX, California XXXX. XXXX and XXXX XXXX is with information that an payment were made to OCWEN by XXXX XXXX, attorney after the sale of the property at a trustee sale, however OCWEN has not confirmed the payment were received. Please confirm : 1 ) that a trustee sale were conducted by XXXX XXXX on behalf of the beneficiary OCWEN. 2 ) that a " pay off '' were made to OCWEN by XXXX XXXX satisfying the debt. Submit a letter stating a " pay off '' were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: MS SERVICES LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MS XXXX Services is making my life miserable. I want to write you about the following account : Account number : XXXX, date Opened : XX/XX/2020, high credit {$2400.00}. 

Violations committed by this company to the Rosenthal Act of California Credit Reporting Act that your company has committed : 1. Unfair business practices : Using an automated dialing system 2. Failing to mark account as disputed.

3. intrusive and ambiguous voice messages.

4. Re-aging account. ( Serious violation because it kills my credit score ). 5. Reporting incorrect first delinquency date. 
6. Negligence.

7. Failure to provide customer adequate customer service.

8. Failing to register in the California and Wyoming Secretary of State. 9. inconsistent report across bureaus. 

All I want is a fair solution to this issue. I want the item removed from all three credit reports as a compensation for all the damages that they have caused me. i am not able to get a home and I've been through emotional stress too. 

I ask that you send the attached documentation to the company. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
First, chase closed the chase XXXX card by mistake. On XX/XX/XXXX, I found my account was closed suddenly and several days later, I received a letter from chase said the account was closed upon my own request. But I did ask anything at all. I never called chase hyatt card and neither I sent a message to close my account. So I called chase and they admit it was their mistake and they reopened the card for me without any apologize. 

When I thought everything will be fine after that, I found my account was charged by an interest fee. Then I found the fee was because my last statement was not paid in full. How come? I clearly remembered I set up the auto pay with full statement amount, I had few chase credit cards and I ALWAYS pay full amount, I never miss one payment and I pay every single statement with full balance. So I personally think chase restored the setting when they re-opened my account. I have talked with the customer representative but they said the system wont able to do that. I agreed with him before, but thinking about the mistake happened to my account before, I really feel like the system was not secure. 

Just now, I was talking with XXXX customer representative. First one named XXXX, who is very polite and willing to solve my problem. But after he transfer me to the supervisor, whos name is XXXX XXXX according to him, everything changed. He is the rudest, slowest the customer representative I have ever met, he is not responsive at all, he always make me feel like he is not with the phone and he is not trying to solve the problem at all. Please pull out my phone call at XX/XX/XXXX, XXXX center time. 

Overall, there are mistakes by chase, and chase representative is not willing to fix the mistakes and the customer service XXXX XXXX is not professional at all. Though i love chase bank a lot, the customer service really changed everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
State: IL
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:
freecreditreport.com a part of the Experian company has locked me out my account and will not send me the reset information or email to log into the account to get access to my annual credit report.I have already had to file complaints against Experian directly for similar issues with them refusing to provide login information on another one of their platforms. They still have not resolved that matter and now have blocked my access to all reports and information regarding my credit and credit reports. Email address on file with them is XXXX for this website.

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 2015-09-16
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying for months and months to get my mortgage caught up. I have a good rate, so I do n't think any refinancing would help. However, I just ca n't double up on my payments and they keep tacking on all these late fees. Then there is a section of " other charges '' to this day no one can tell me what those are or what they mean. I would just like a little help to give me a deferment or something so that I can keep paying every 30 days, but that it 's under 30 days past due and not incurring these fees for no reason, all while sending me threatening letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Ocwen Financial Corporation
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have been attempting to resolve an error made by our loan servicer for weeks and have not received any of the promised call backs nor have any of the issues been resolved. Ocwen incorrectly calculated our escrow by adding an additional " special district tax '' to their calculations that did not exist and was a duplicate of our normal county taxes. We called them on or about XXXX XXXX, 2015 to inform them of the error and were told that the correction would take approximately XXXX days and that the tax amounts would be updated, a new escrow analysis run so we would know what the correct amount to pay would be for our XXXX payment. We called Ocwen back on Friday and learned that the tax amounts had not been updated nor had the new escrow analysis been run. They advised they would escalate the request and it should be resolved with in XXXX days and they would call us back. We called back back after XXXX days because we had not received their call back again and found out the tax amounts had been updated but the escrow analysis still had not been run. We were assured the analysis would be run and made effective for the XXXX XXXX, 2015 payment and that they would call us back to let us know it had been completed. Again we did not receive a call back. We called today to find out the new analysis had been run, but was not effective until the XXXX payment. We paid {$1200.00} in XXXX for the XXXX payment. Due to Ocwen 's error in recording our tax data, and inaccurate escrow analysis, the amount we paid in XXXX for the XXXX XXXX payment was applied entirely to principal instead of as the regular principal and interest payment. We have scheduled a payment for XXXX for {$300.00} more than the normal amount to ensure there is no negative credit reporting due to the multiple errors committed by Ocwen. Today the advised us they could not correct the escrow without sending yet another request to another area because of the time, XXXX eastern, and that " not much got done on Fridays '', but they again assured me they would call us back, although they 've failed to meet that commitment the last XXXX times. In short they 've miscalculated our taxes, run an improper or incorrect escrow analysis, misapplied our payment, and I believe violated RESPA as well as multiple fair and responsible servicing standards. We are now being financially harmed by Ocwen because we are being forced to pay more than we owe for our monthly mortgage payment and they have shown no urgency in resolving the issue although we 've given them multiple chances and ample time to correct the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing has listed our home for foreclosure sale 4 times on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
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:
My Experian credit report was wrongfully added a false late payment by XXXX XXXX XXXX on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX  by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted Experian and disputed this wrongful posting for three times and they asked me to contact XXXX XXXX XXXX directly. I called the XXXX XXXX XXXX and they asked me to contact XXXX XXXX which it took over the account of XXXX XXXX XXXX according to the Bank. XXXX then ask me to file a complaint.

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 2015-03-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen is essentially refusing to perform an escrow account analysis. Ocwen raised our escrow payments when they originally took over our servicing, so I 'm certain there is an overage in the account. Our analysis is typically performed in XXXX, and as expected we received a notice in XX/XX/XXXX saying there was a fairly substantial overage and we would be receiving a check within 30 days. XXXX we received a notice saying the previous notice had been in error, and that a second escrow account analysis would be performed in XXXX. We waited for an update and, hearing nothing, we contacted Ocwen on XX/XX/XXXX. The second escrow account analysis had never been performed, although nobody could tell me why. I was told that it would take 3-5 weeks to find out why the analysis had not been performed as promised, or 5-7 business days to perform a new one. I requested that a new analysis be performed at this time. On XXXX XXXX I called to check on the status of the analysis and was told that there was indeed a substantial overage of over {$1300.00} and that a check was en route. I had not received any communications from Ocwen by XX/XX/XXXX, so I called again to check the status. I was told that the escrow account analysis had not actually been performed at any point. I was told that it appeared they had started the analysis but failed to complete it. I asked why, and was transferred to a woman whose job it apparently is to solve mysteries such as these. Her name is XXXX, ID # XXXX, and her contact number is XXXX XXXX. She agreed that it appeared we were due a refund and could not determine why the analysis had failed to be performed as promised on so many different occasions. She asked that I give her 48 hours to determine what the problem was and said she would call me back. I had not heard from her by XXXX, XXXX XXXX ( 48 hours later ) so I left a message for her at the contact number provided. It is now XXXX, XXXX XXXX, and I have yet to receive a return call. Our account is current and in the nine years since securing our mortgage it has never once been late. I have been unable to get a straight answer as to what the problem is, but we are now approaching six months late on our annual escrow account analysis. This is one of many problems we 've had since Ocwen took over the servicing of our loan and we will be addressing these individually, but the failure to perform a simple escrow account analysis is keeping money out of our pockets that is rightfully ours and it is a situation that should have been easily rectified months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
On XXXX XXXX, 2015 my American Express Bluebird prepaid card was locked and suspended, citing violation of member agreement section XXXX, with {$540.00} in deposits still in the account. After repeated calls to request my deposits be returned, AmericanExpress phone agents tell me the deposits can not be released until an investigation closes. They tell me that there is no knowledge of when this may conclude. I have waited more than 60 days for the funds. It seems that they may hold my deposited funds indefinitely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. This collector has repeatedly and falsely reported the alleged debt as new. 

2. This collector has rejected my efforts to resolve the debt in accordance with the law. 

( These options were not listed in the drop down menu. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I am having problems with Citizens Bank. 
My original home loan amount was {$310000.00}. 
Due to the pandemic, I had to get a forbearance. At this point my loan balance was {$310000.00}. 
I have since deferred my loan and am now selling my house. According to my calculations, I have paid {$17000.00} in total towards the principle of my loan, and should owe less than XXXX. 

I called the bank to get a payoff amount and they said it was {$310000.00}. This is only {$1000.00} less than the original loan amount. 

The bank told me my payoff amount is about XXXX due to them adding {$14000.00} to my loan for the time I was in forbearance. 

I have called the bank several times only to get the run around from one department to another, as well as having my call disconnected several times, without anyone being able to justify why I am being charged so much. 

Please help me remedy this situation. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: ERC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery Company is actively, illegally trying to collect on a debt I do not owe. 
ERC has registered a complaint on all three credit bureaus that I owe a cable bill for {$170.00} allegedly owed from XXXX, XXXX 2020. I never did business with this company or the company they are collecting for which is XXXX XXXX XXXX XXXX. I do not and have not lived in an area where XXXX XXXX  is even available. 
ERC has been calling with nuisance calls and says they're trying to destroy my credit. 
Please help stop this company from destroying my credit and calling me with threatening nuisance calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom if may concern : This complaint is toward Beneficial, member of HSBC consumer and Mortgage Lending. 
I refinanced my home on XXXX/XXXX/16 from Beneficial. The refinance company paid off the mortgage of Beneficial in the amount of {$86000.00}. The pay off on the house was {$85000.00}. Beneficial sent me a check for {$680.00} Short of {$410.00} of what I should have gotten back. 
XXXX/XXXX/16 statement is as follows Explanation of amount due Principal {$83000.00} Principal {$190.00} Deferred interest balance {$1500.00} interest {$360.00} Deferred insurance balance XXXX Life insurance {$46.00} That comes to {$85000.00} Monthly payment of {$600.00} XXXX/XXXX/16 statement is as follows Principal {$83000.00} Interest {$1900.00} where did this come from Escrow {$680.00} Insurance {$44.00} why did they take out and pay insurance on a {$0.00}. Balance. 
Fees and charges {$26.00} Total {$86000.00} I spoke to XXXX XXXX on XXXX/XXXX/16. Beneficial has not responded. 
They owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL 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