BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my home and have been having trouble with the originating mortgage company PHH Mortgage, providing accurate information regarding my loan payoff. I initiated this request on XX/XX/XXXX & barely received a payoff quote on XX/XX/XXXX. Aside from the runaround I received in getting an accurate quote due to a 'shared appreciation ' amount they said I owed due to a loan modification done in XXXX ( I also think there should be a limit as to when they can try to recoup any increase in property value ), they have now come back and said the quote was inaccurate & I owed an extra {$1000.00} for the cost of the appraisal they ordered, although the line item only states 'recoverable balance '. Several issues here, I was not told that I would have to pay for the appraisal when I initiated the request. I now have a copy of a letter they said was mailed to me, but was not received by me vial USPS, saying I could order the appraisal or valuation, or they would. I only received a call from an appraiser to do the work, which I assumed was just part of their process, again, not being in receipt of the original letter. Otherwise, I would have ordered my own appraisal. The letter also states that if the mortgage company orders the appraisal, I would have to pay for it and the cost would be 'up to {$520.00} '. I have also called to ask for a copy of the appraisal invoice and the mortgage company 'ca n't find it ' and said they would have to do research to locate it and send it to me. So, they are trying to charge me over the amount stated, they can't provide proof of the amount charged by the appraiser, and they are threatening to return funds for the original payoff until the full balance is paid. I believe this company to be deceitful in trying to gain more funds from me when they can't provide sufficient evidence. They are also attempting to gain more funds by returning the payoff monies, they can then start to charge additional interest. Aside from the additional money being requested, I have 12 different payoff letters from the company, most in different amounts, and so they can't even figure out how much the payoff is in the first place. I'm refusing to pay any additional balances and request this company be investigated.

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 2019-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX veteran and my families only income is from VA XXXX and Social security XXXX.  I fell behind due to XXXX   and applied for mortgage assistance.  Bank of America just denied me onXX/XX/2019 for the reason of: "Unable to verify income"?  How hard is it to look at my VA award letter and Social security letter and two bank statements showing the deposits circled.  This is a violation of the Fair Housing Act discriminating against and not allowing XXXX income to be used in the review.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax was so incompetent that it did n't safeguard my info well enough and got my info stolen along with 143 million people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/XXXX I sent a complaint to XXXX, XXXX, Experian about fraudulent activity on my credit report and I was never notified about the investigation. 
XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XXXX XXXX XX/XX/2021 Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Inquiry XX/XX/2021 XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry 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 non-monetary relief
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'M HAVING ALL KINDS OF PROBLEMS GETTING THE CREDIT BUREAUS TO CORRECT ERRORS REPORTING ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Contact Date XX/XX/18 EveryDay Checking - XXXX  Partian Loan Number *XXXX XXXX XXXX XXXX XXXX  , CA XXXX The request was to reduce my mortgages on these two loans by applying money into the mortgage directly. The advised that one loan qualified and the other did not the loan that did qualify took several weeks to send me the paperwork. The interest rates were to remain the same along with the escrow accounts. Although, when I signed at a notary the documents didn't say this the payment was for principal and interest. The bank verbally assured me that this would be corrected. I do not trust verbal assurances as they turn into lies that the bak says never was advised. I have been on the phone and have requested this in writing many times. I am requesting assistance and Credit Union has continued to do as it pleases and is delaying this and costing me money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To whom it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation.

Here 's the wrong info : 1. This is a billing error always paid as agreed on time this is an error this account in violation. 
NAVY FCU Account Number : XXXX Please remove it from my credit report. 

I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not authorize to consent to nor benefit from account. Block and Remove Pursuant 15 USC 1692G

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 2022-02-13
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not authorize to consent to nor benefit from account. Block and Remove Pursuant 15 USC 1692G

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I just open this account and I have had consistent issues with the customer service I open this account after having issues with XXXX XXXX XXXX and their customer service so I figured BMO after having such a wonderful branch manager open my account as soon as I would n't have the same type of issues since opening this account not even in my first 30 days I have had horrible customer service on the phone I have been told misleading facts and statements regarding my account on several occasions my account is locked at night about midnight due to BMO updating their system but when I enter the correct login information rather than disclose to me that well this system is updating the online and mobile access to my account is restricted it locks me out and locks me out the account so then I have to call back in to customer service to get my account reset for it saying that I entered the wrong login information when it 's really a system cause automated error I am to the point of beyond frustrated with this company I have tried on several times to close this account and I 'm being told that because I 'm closing it within the first 90 days I 'll be charged fees for closing all of my accounts at this point I 'm waiting for one more deposit to hit my account and at that point I will be closing this account and if I am charged a fee I will be suing the original branch that open my account because these fees were not disclosed to me nor was it disclosed to me that I would not have access to my own funds or account information due to Errors By The automated system at BMO Branch I am appalled and outraged at what awful shity service that they have provided to me in regards to my personal and business account with this low-class Bank.

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 2022-07-13
Company: EQUIFAX, INC.
State: MD
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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ) has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the federal Trade Commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit regarding this incident. In addition, I have attached a PDF doc reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax continues to report inaccurate information on my report despite numerous attempt to dispute negative items on my report. I have send evidence from the original creditor that clearly it is being reported inaccurate but comes back verified. Equifax is also reporting Bk on my report which cleary belongs to a family member they can not give me accurate verification methods use to verify the Bk I contacted the court and the court stated they do not furnish information to the credit reporting agency which equifax claims they verified the account which is false verification and violates the FCRA. I also have have court documents stating that the court do not furnish information to the credit reporting agency. Also the website never works correctly and when you call you can never understand the person you are talking to because they are from a different country. I will cancel my membership after 15 plus  years very poor service. I have a credit alert from other source and today EQUIFAX decided to report an open account ( closed ) and report it as bankruptcy. I will also file a complaint to the BBB and to my cogressional representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
midland credit management is attempting to double collect on an account that was settled by a debt consolidation company and midland credit management agreed, collected an amount, and cherged off this account in XXXX this is an illegal attempt to collect against that agreed upon settlement and cgarge off .i have attached a agreement between them and bedrock legal with the account numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: MD
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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ) has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the federal Trade Commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit regarding this incident. In addition, I have attached a PDF doc reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On X/X/2017 I read in the news that a data breach had occurred at Equifax.
I visited equifax 's Internet page at www.equifax.com, which directed me to equifaxsecurity2017.com where they provided information on the data breach and buttons for determining my potential impact,  enroll in their services or contacting them I clicked on the button for determining the potential impact and much to my surprise what I received is my " enrollment date '' for their XXXX XXXX service, with no information whatsoever on potential impact This feels wrong on at least 2 accounts : 1 ) I believe it is a deceptive trade practice advertising a service to check the impact of their failure to protect my data, and then not giving any information regarding this impact. 
2 ) I did not ask to be enrolled in anything. I should give my consent to enroll before getting an enrollment date. This also seems like a deceptive trade practice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions Inc.
State: MI
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, XXXX XXXX, Living Person And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the XXXX that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX a debt on my credit file that I do not owe. This debt was included in my Bankruptcy # XXXX. They are in violation of the Bankruptcy Law Act for continuing to report a balance. They are also still updating every month. This needs to be fixed.

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 2022-02-13
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the Ohio Attorney General 's Office since Comenity Bank 's offices are located in XXXX, Ohio. They do not really handle my type of complaint, so they suggested I contact the CFPB to resolve it. 

I had a credit account with XXXX. The creditor for this account was Comenity Bank. I paid this credit account in full in XX/XX/2020. Comenity Bank continued to add finance charges and then late fees to this account. This was after I paid the credit account in full and requested that they close it. Over the past year, Comenity Bank has continued their attempt to collect these finance charges and late fees that I do not owe. They have piled fees and charges on top of each other for a paid off and closed account. The last known collection balance was up to {$92.00}. Comenity Bank has also reported this account negatively to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: ProCollect, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently had my credit pulled. I had a very small debt for a cosigned apartment for my daughter on a lease in XXXX. I tried to dispute it but since I paid it immediately, they told me that was an admission of accuracy. So, no big deal. It was like {$89.00}. They have continued to report it 90 days over due as recently as XX/XX/XXXX. On XX/XX/XXXX, I called them and they said I couldn't speak with anyone I could only email XXXX XXXX. I did so. XXXX XXXX has not addressed nor acknowledged my email. And I see it's still inaccurately reporting. It does show {$0.00} balance but continued late reporting.

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