BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-15
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On the advice of an Ocwen rep, I made a XXXX payment on my mortgage.  They told me that there was no scheduled payment in their system though I swore I had made one.  A couple days later, I checked my bank account and found that there were XXXX ACH's pending, so I put a stop payment on XXXX of them.  The bank charged me $32 to do this.  I have sent the proof to Ocwen and they have gone back and forth with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX   XXXX ,    2017 B  ureau of Consumer Protection  Federal Trade Commission  XXXX    XXXX   XXXX   XXXX ,  XXXX    XXXX   DC  XXXX  RE : FAILURE TO RE SPOND TO DELTETION/CORRECTION LETTER To Whom It May C oncern : On  XXXX   XXXX ,  2017,  I received a letter from   XXXX   that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law.   XXXX   has not followed the law because they have not deleted the information per their own investigation.     I also understand t hat may  suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  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 2015-06-14
Company: Seterus, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX 2015 I applied for a VA loan. all of my information checked out and was approved pending a payoff amount and a vom of mortgage payments to Setarus Inc.by constant delays and incomplete reports by Setarus { who by the way does not report positive credit to the bureauso it can not be pulled by the bank I applied with } Today is XXXX XXXX. and after request after request I still can not take advantage of my VA benefit because of them intentionally dragging there feet supplying info everyone else reports to the cerdit bureaus.These people should be made an example of and put out of buisness by in effect denying a veteran to take advantage of the benefits My country awarded me.AllI have stated above can be documented by mo loan officer..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have an unverified account from Portfolio Recovery Associates , LLC. I had previously disputed this account. I have never done business with Portfolio Recovery Associates , LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt that Portfolio Recovery Associates , LLC claims that I owe. I requested that Portfolio Recovery Associates , LLC provide verification of the following : 1. The ORIGINAL Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether they purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I requested that Portfolio Recovery Associates , LLC Cease and Desist all further communications and collection actives and provide the verification of this supposed debt. I demanded that Portfolio Recovery Associates , LLC remove any and all Tradelines that are reporting on my credit report with XXXX. Their response? They reported it to all XXXX credit bureaus. I 've sent them numerous letters and I 've called them several times. They claim they sent me a dispute affidavit but I never received one. I am extremely frustrated and upset dealing with them as I have been dealing with them for over a year. They are damaging my reputation and preventing me from buying a home considering my credit score is damaged. I have provided a copy of the latest letter that I sent them which they did not comply with as well. The letter I sent them was notarized and I have XXXX other notarized copies if i need to pursue this in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX XXXX I sent out a certified letter it was received by TransUnion on XXXX/XXXX/XXXX The letter was sent to TransUnion in regards to inquiries that are showing up on my credit report that do NOT belong to me. Despite having a fraud alert on my account they still allowed for multiple inquiries to be made by someone else. They keep sending general letters saying these inquiries are factual. They responded on XXXX/XXXX/XXXX three days later to my initial dispute. But they are NOT factual because I did NOT make them. They would know that if the did an actual investigation. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order There was not a permissible cause for any of the following. I have reached out to the creditors that I could but each of them want me to give them my information and I am not comfortable with that especially since they already have ran my information without my permission. Transunion is the only credit bureau that has not followed the correct steps in the matter. Every other credit bureau has found out that these inquiries did not belong to me and have deleted them.I know that Transunion should investigate these inquiries but there is no way possible within 3 days they investigated any of my inquiries. I am a consumer and I have the right to have only correct information on my credit report. FCRA 623 ( b ) ( 2 ) and 611 ( a ) states that any information can be disputed and MUST be investigate and responded to. There is no way that a complete investigation has taken place in 3 days. There was a lack of investigation to my original disputes and due to these unfair practices my inquiries need to be deleted immediately. Transunion is in violation of the above FCRA rules. Creditor Name with some showing mutliple dates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 623 ( b ) ( 2 ) and 611 ( a ) states that any information can be disputed and MUST be investigate and responded to. There is no way that a complete investigation has taken place in 3 days. There was a lack of investigation to my original disputes and due to these unfair practices my inquiries need to be deleted immediately. Transunion is in violation of the above FCRA rules.

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 2015-05-01
Company: Navient Solutions, LLC.
State: NE
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive on average 3 phone calls a day. I have repeatedly asked them to stop calling, and even to communicate via email. They 've insisted that they can not communicate via email and that they will continue to call. From XXXX XXXX I recieved 63 phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To : Bank of America Mortgage Service Attn : Customer Relations DA : XXXX XXXX, XXXX RE : Requesting a Copy of My Full Mortgage Payment Account History/Including Interest Paid This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was XXXX, XXXX to XXXX, XXXX. According to my records Ive paid a total of {$7.00}, XXXX during my loan. How much interest was taken towards my mortgage during that time? XXXX XXXX XXXX purchased the loan from you Bank of America Mortgage Services. I must inform you that my name could have been listed as XXXX XXXX. XXXX when transferred. Please check your records under both names. Please send any contact and copy of information where mortgage documents were sent at the end of the loan with your company. I would assume that all information was sent to Bank of America Mortgage Service, if everything was transferred to them at the end of the mortgage loan with XXXX XXXX XXXX.
My Request and Concerns Are As Follow : Please provide original amount of loan financed Interest rate at time of loan Please include a copy of all signed documents Interest paid towards mortgage while you owned the mortgage loan Total of Monthly mortgage payments made while you owned the loan Ending Balance of mortgage loan owed when you transferred it or sold the mortgage loan. Provide documentation of the year when mortgage loan should be paid in full according to your records.

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 2017-05-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
This is in response to your  XXXX   XXXX ,  XXXX  dated correspondence regarding my Complaint with the Consumer Financial Protection Bureau. Attached are  two cashier checks indicating the amounts that I paid, one is f or {$5000.00} dated  XXXX   XXXX ,  XXXX  and the second cashier check is for {$37000.00} dated  XXXX   XXXX ,  XXXX  which brings the total to {$42000.00} that I paid t o BMO Harris Ba nk  XXXX   XXXX   XXXX ,  XXXX   XXXX   ( r eceived by  XXXX   XXXX  in front of  XXXX   XXXX . they were talking to  XXXX   XXXX   ).  This amount disputes your claim of the {$41000.00} payoff and is a difference of {$1400.00} which is the amount that I am seeking compensation for fro m BMO Harris Bank, pl us the {$500.00} ( that I paid to   XXXX   XXXX   XXXX   in order to remove the vehicle from auction. This brings the total request for compensation to {$1900.00}

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 2016-07-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
In XXXX XXXX, my house was broken into ( in XXXX, CA ), personal information stolen, and my vehicle stolen and totaled. I placed a fraud alert at that time. I had a couple of failed attempts at opening accounts by someone, but nothing further occurred. On XXXX/XXXX/XXXX, I placed another fraud alert because someone tried to open XXXX accounts in my name. I received an email yesterday ( XXXX/XXXX/XXXX ) stating that a new credit card account had been opened with XXXX XXXX XXXX and a new card was being mailed out to an address in XXXX, CA ( an address that has never been mine ). I do n't understand how a new account could be opened when I already have a fraud alert. I tried to file a new credit alert but Equifax and the FTC website both said that I already had fraud alerts in progress and could not file a new one. I was also unable to update the current alerts with updated information because the website is not functional or user friendly. I have already filed a police report for this incident. I also have police reports for the past incidents. I am not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX   Report #  XXXX  Following accoutns were reported as fraud, a valid ID theft report was taken and submitted for the following accounts :  XXXX   XXXX   XXXX  Balance {$10000.00}  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$7100.00} EXPERIAN   XXXX   XXXX   XXXX   XXXX  {$7100.00}  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 2017-05-16
Company: M&T BANK CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are trying to work through the process of trying to close on my  Aunt 's co -op, located in the neighborhood of  XXXX . For several weeks our attorney has tried to get the official pay off documents so that the closing can move forward. It 's not a complex process because our buyer is offering cash for the deal. The bank has stalled and delayed and stalled to the point that we are going to lose this buyer and have to begin the whole process over again. Considering how hard it is to find a buyer who is approved by the Co-op board, we would like to avoid thi s. M & T Bank ha s been of little help. We get excuses. We get promises and still we wait. The bank simply says, " well, we 're waiting on the paperwork from this person or we 're not sure where the document is. '' Meanwhile we are getting a financial hit because we have to continue to maintain the property, maintain the utilities and pay co-op fees.     We, including our attorney, are frustrated. HELP!

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 2017-05-16
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: Information belongs to someone else

Complaint:
Equifax Report #  XXXX  Following accoutns were reported as fraud, a valid ID theft report was taken and submitted for the following accounts :  XXXX   XXXX   XXXX  Balance {$10000.00}  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$7100.00}   XXXX   XXXX   XXXX    XXXX  {$7100.00}  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-07
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am disputing the XXXX report that they are charging me with..I had consumer Affairs involved and they reported back that they over charged me on thier Account..We cancelled the cable with them and 6 months later they kepted charging for a cable bill..And we had internet lite and they upgrade the internet without our permission and We told them disconnect their service and that We did n't want their high priced service..And XXXX told us our bill would only be XXXX a Month and them after the upgrade they went to XXXX without our permission..And they do not have any of my personal infor like Social Security or any such..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: American Financial Network Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was a victim of predatory lending by American Financial Network XXXX XXXX XXXX XXXX. He baited me with a low interest rate before and after my loan process with a 3.625 % mortgage finance rate. This was on a 30 year conventional fixed loan with 5 % down. He ran my credit and I had a XXXX credit score which is the highest bracket I could be in. I applied for the mortgage loan with AFN on XXXX/XXXX/XXXX and on the closing disclosure estimate it stated 3.625 % rate. However when asked if it was locked he XXXX XXXX XXXX XXXX stated I had to sign the loan application and disclosure estimate. He also replied in a separate email on XXXX/XXXX/XXXX that it was indeed " locked 3.625 % with our # XXXX top investor. '' I have proof of that email as well as documentation of the underwriter also approving me at the 3.625 % fixed rate and credit score. So XXXX strung me along the whole mortgage process until XXXX/XXXX/XXXX ( after expected close date ) when he revealed that his investor backed out of the promised 3.625 % rate and that I would have to accept a 5 % rate! He stated to me and my agent that he purposely avoided telling us sooner since he was 'nauseated ' at the news. He waited until after the election to tell me and by then rates had skyrocketed to 4 % and above. He eventually told me 4.5 % is the best rate he could get for me! Since I had no other recourse I had to accept. The rates did indeed go up everywhere and I was at major risk of losing the home. So he had me cornered. I was offered a free refinance certificate in case the rates dip well below 4 %. I want justice for the bait and switch scam AFN is running. The fraudulent scam that XXXX pulled on me will cost me about {$86000.00} over course of loan and $ XXXXmonth extra ( $ XXXX ). Please refinance me at the " locked '' rate of 3.625 %. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: U.S. BANCORP
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent US Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to eliminate these accounts from my credit reports asthey are my father 's who died in XX/XX/2021. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged these accounts so to add extra length to debts that are not 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 2016-02-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I received a notice from Sears XXXX XXXX XXXX stating that to avoid late charges to send my payment of {$280.00} for a service repair, according to them service order # XXXX XXXX, the invoice was dated XXXX/XXXX/16 and the account # is XXXX. 
I immediately called Sears to inquiry about this bill and to closed my credit card. After closing my credit card account I was told that my balance was {$0.00}, and that they did not send me that bill. 
I believe that this is scam because I called the telephone number on the statement XXXX and I could not get a real person ONLY a telephone message also they are asking me to send my credit card information to settle this bill. 
The address listed on the statement is : XXXX XXXX XXXX, XXXX, Texas XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Delinquent account

Complaint:
I have had a Macy 's credit account for years with no problems, as the attached screenshot of my credit record shows. About a year ago, I made a purchase at one of their stores, one of many purchases I made at the holidays. I did n't receive a bill, but did n't realize it because I 'd done a lot of shopping, and because I deal with a lot of transactions and bills in my position as a business owner. In addition, I depend on receiving bills so that I remember to pay them. Months passed, but I never received a bill, a call or an email from Macy 's, despite all of my contact information being readily available. I had no idea there was any problem. 
In XX/XX/2016, I received a somewhat rude call from Citibank telling me that I owed Macy 's money. I had no idea what they were talking about, and they could not or would not give me any information about why they were calling -- I actually thought it was a phone scam, so unprofessional and unhelpful were they. A week or so later, I was at a Macy 's store and thought I could investigate the problem there. No such luck, and a call to the general credit department number took me to their 3rd party collections company as soon as my account number was entered. Again, these folks could n't or would n't tell me anything about my supposed bill. A week or two later, I was finally able to get someone at Macy 's to tell me what I bought, where and when -- why on earth should obtaining this information have been so difficult?? This person eventually provided me with a mailing address and I sent Macy 's a letter and a check for the entire amount ( less than {$100.00} ). Getting to this point took roughly five calls to Macy 's to get someone who a ) was in this country and understood the situation well enough to do something about it ; and b ) would n't send me to back to Collections, even when I asked ( begged ) her not to send me there again, since they could n't or would n't provide me with any details of the transaction. 
As if this were n't bad enough, when I checked my credit report last week, I saw that this account was reported as delinquent and sent to Collections, which has put a big dent in my credit and caused other companies to charge me more for their services. I feel this is unfair, unwarranted and Macy 's should have to repair the damage : I did NOT receive a bill from Macy 's, and was told that once the account balance owed goes past 30 days, it 's sent to Collections. What??? No email, no call, no late fee and interest added to next month 's bill?? Then nine months later, I get a rude call without any information I can use to figure out what happened?? And now my credit is damaged and other bills are going up because of it?? That 's not okay.

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