BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-21
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On   XXXX   XXXX   we inadvertently sche duled 2 payments on our mortgage with Ocwen Loan Servicing. One was in the amount of {$1600.00} and the  other in the amount of {$1600.00}. We placed a stop payment on the payment of {$1600.00}. On   XXXX   XXXX  , we made our scheduled payment  Ocwen in the  amount of {$1600.00}. On   XXXX   XXXX   we received notice that the payment was returned stop payment. However, after checking with our bank and receiving verification that the payment was not returned stop payment and we no longer had any stop payments on our account, we spoke with  Ocwen  and explained the situation. We were told that we would need to file a complaint to the  Research Departm ent. On   XXXX   XXXX  , we sent in our written complaint and our bank statements to show that no payments had been returned from our bank. On   XXXX   XXXX   we received another call from  Ocwen and s aid we needed to make the   XXXX   XXXX   payment. When I inquired about the complaint to the researc h Dept, they sai d they had not received anything even though I had fax confirmation that it had been sent. At that time I made a payment over the phone with my checking account for an ACH payment. That payment was successfully processed and not " returned ''. On   XXXX   XXXX  , my bank stop payment investigation department called and said they also completed a thorough investigation and still could not find any evidence of a payment being returned to  Ocwen in  late  XXXX  or early   XXXX   as  Ocwen had  stated. They said they would do a  3-w  ay  call with  Ocwen to ex plain the findings in hopes that our loan would not be considered late and we would not be charged any fees or reported to the credit bureau as late.  Ocwen wo uld not discuss anything with the bank  (   XXXX   XXXX  with  XXXX   ).  During that call, I again confirmed that they had received our complaint to the research department and they stated they had and were " investigating '' it. On   XXXX   XXXX   we received a letter that informed us that their investigation found that they have no control over the payments entered through their voice system or online system. In the meantime, we made our next scheduled payment on   XXXX     to  Ocwen thr ough their online payment system. We received notification that it was again sent back as stop payment ( which again there is no records of from our bank ). There obviously seems to be a problem with the online payment system as the payment I made over the phone on   XXXX   XXXX   was successfully processed but  the two most  recent payments through the online system were not processed. We have now been reported at late on our credit report and want this removed as this is a faulty system error on the part of  Ocwen and not us. Also, Ocwen will no longer accept our payments over the phone or online and can only be made via certified funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Summit Horizon Financial Services
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
A third party vendor loan forgiveness called Summit Horizon Financial Services had taken {$750.00} from my account and refused to return my money. They have managed to get pertinent information about my student loans and SSN via XXXX login not authorized by me. They promised to help with loan forgiveness process XX/XX/2021 but I declined the offer the very next day, but they have already gotten the money. After contacting them several times, the representative gave me a cancellation letter, but no refund was made. There are no cancellation confirmation in the letter and the representative can not give me one as well. After researching in the web I found this linked In person By the name XXXX XXXX. Please investigate this person. The emails that is used for the e-signature fee doc also gives back mailer-XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRANSUNION continues to furnish an account on my credit profile that was previously deleted. Its not mine. And according to the FCRA a consumer has a right to privacy and nothing shall be furnished without my written consent. Also 18 USC 8 says all debts are the obligation of the United STATES. I did not consent to, authorize, nor benefit from this account. 

1. 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 2017-04-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
We received a letter saying ou r Chase Private Client accounts w ould be frozen if we did not call their compliance department. Once we called, they wanted information about other banking and brokerage relationships we maintain. They also wanted income information. We called twice. The process was ridiculous. We were unsuccessful in escalating a complaint about the process. We will simply withdraw our money and close the account. Compliance people should not touch customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: NV
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:
In accordance with the Fair Credit Reporting Act. XXXX  Account // XXXX  hard inquiry XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,. A

LL HARD INQUIRES has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Contrary to XXXX XXXX bank response IN CFPB XXXX regarding XXXX XXXX  and the transferring of XXXX XXXX it appears according to CFPB bank examiner documents that are attached : XXXX  IS REQUIRED TO REMEDY FOR THE FRAUD OF XXXX XXXX  and furthermore was required to receive substantive elements of the conversations between XXXX XXXX AND XXXX, XXXX REP at the time of transfer to XXXX. 

SEE ATTACHMENTS PG4 AND 5 OF CFPB DOCUMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15
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: Public record information inaccurate

Complaint:
There is a released State Tax Lien reporting on my report in the amount of {$3700.00}, which I was never made aware a lien, issued an IRS Form XXXX ( XXXX ) to tell me I had a lien nor a XXXX ( XXXX ) Release of Federal Tax Lien. This was reported in XX/XX/2016 and when I disputed the validity, it was marked released two months later -however it was not removed. 

Experian and XXXX are illegally reporting this State Tax Lien, after 3 dispute attempts.

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 2017-04-24
Company: Conn's, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I called in on  XXXX   XXXX   2017 spoke w ith rep and was offered a ext rep adv to pay  XXXX  which she setup the payment for  XXXX   XXXX  I started getting emails that my account was past due I called in on  XXXX   XXXX  and explained I had a extension set up the rep advised me he see the agreement and to allow a couple of days and account will be updated well that did n't happen I kept getting email I called back in to be told the ext was no longer avail because rep set it up wrong and was demanded to pay  XXXX  dollars I advised no I wont pay another dime until my next payment is due and requested my account be fixed I spoke with a sup who advised it will get corrected well again that did n't happen now I am being requested to pay  XXXX  and they will defer two payments to end of loan so they want me to pay  XXXX  plus the  XXXX  and none of these funds will be applied towards payments this is their fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I wrote the  XXXX   XXXX   XXXX   XXXX  times sending them  3  forms of ID that no bank will Verify me two open a new account and the Credit Burrow docent respond or sends a Credit Report so fore about a Year and half i have not been able two Open a New Bank account all respond wee cant verify you.     Now I cant get a new credit card or bank account because there is and extended  Alert in my banking file and Im supposed two call some Number and call the Bank.    I have written all  XXXX   XXXX   XXXX  two remove the Hold on my account so i can Get a  New  Bank account.     The Federal Government determined me  XXXX  and my Mom Walked into  XXXX   XXXX  bank forged my Signature and stole  XXXX  dollars from me.     Then i had  XXXX  dollars in Fraud and closed two   XXXX   XXXX   XXXX     Accounts   XXXX   XXXX   XXXX   did n't close the accounts with Fraud i complained  XXXX    XXXX   XXXX   XXXX   then sent  XXXX  of my ATM cards  XXXX  and Address not mine and   XXXX   XXXX   XXXX   worker stole  XXXX  dollars from me. I have been in court 8 years against  XXXX   XXXX  and   XXXX   XXXX   XXXX     only 100 % respond its imposable two  XXXX .     Im a Refugee living in  XXXX  and have  XXXX  move  XXXX  a new country every 3 months so I do n't use a Phone because they only work in  one  country so i would have  XXXX  Spend  XXXX  Dollars a year  XXXX  Deal with the  Credit Reporting  agency wants the bank  XXXX  call me  XXXX  open a new bank Account.   The Federal Government has determined me  XXXX  i do n't use a Phone do  XXXX  My  XXXX  and please accommodate my  XXXX  and help me open a New bank account without a Phone. I can Send the bank  XXXX  forms of id buy Email and electronically transfer  Money two Verify Myself.        XXXX   XXXX   XXXX   Robs me  XXXX  dollars then i cant open a new account in 2 years is discriminatory, Please take the Hold off my Account so i can get a master Card.       I live in  XXXX  the  XXXX  fit  XXXX  of the world and do n't want  XXXX  send  XXXX  forms of Id threw the mail that takes a month and the credit Burrow wont want  XXXX  Right me Back in  XXXX  there is very little working mail.       Send the Credit burrow  XXXX  forms of ID  XXXX  times and they will only respond send ID

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
SLS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CO  XXXX  SLS Loan number  XXXX  For the past several payment periods we have been charged ever-increasing amounts for Late Fees. We have made payment of everything billed to us well before the date required. Our last statement has a {$100.00} late charge. But we paid the full amount require by the SLS previous statement on  X/XX/2017   , before the due date, and well before the date for late charges. Payments were made through  XXXX , and I believe electronically transferred.

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 2017-04-17
Company: National Credit Systems,Inc.
State: NC
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:
On   XXXX   XXXX   XXXX   ( via certified mail ), a letter was se nt to National Credit Systems requ esting documentation to verify the debt and prove my legal obligation to them for information they provided to the credit bureaus relating to a certain account. I asked that all of the requested documentation be furnished within  thirty ( 30 ) da ys of receipt of the request, and I advised if they failed to provide any portion of the requested documentation, all references to the account would need to be immediately removed from my credit files and any further attempts to collect should cease.     I never received a response from the company, and, as such, on   XXXX   XXXX   XXXX    , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial request and all references to the account needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and have not removed the account from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Fedloan Help
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loans are with  XXXX   XXXX . I was looking for a way to lower my payments. I found a company called Fedloan Help, free student loan repayment assistance. They said that they would take over the loan and I would pay them based on what I could afford ; income minus expenses. They did so and spoke on the phone to me extensively about their service, communicating that they would take over the loan and I would pay them at a reduced monthly payment. They said my credit rate would go up because of the transfer showing the closing of the account with  XXXX . I signed the paperwork and provided all pertinent information. My payments were withdrawn every month on the  XXXX  as I requested. I believed this money was going towards my student loan. This past week when I could n't get a  XXXX  tax form I became suspicious. I was told the form they did have for taxes counts as a charity credit since they are a not for profit. Also I was told I was due for recertification. As a result I was told my payment would go up, which I did n't understand, I did n't know about recertification. When I first began this process they certified me with  Granite State  with a take home of {$54000.00} a year with  XXXX  dependents. Therefore, a forbearance was put on my existing loan with  XXXX . No transfer took place ever. It just looked like I had a  XXXX  balance since I was in forbearance and had no idea this was happening. With the recertification this year I was told my payment went up from {$180.00} to {$310.00}. I questioned why. Fedloan Help then said that they had no control over what my loan holder said I had to pay. I could n't believe it. I had been scammed. I spoke to  XXXX   XXXX , but they said they had n't received a payment from me since  XXXX    XXXX  . Nothing that Fedloan Help communicated to me would happen, happened. The new submission from  XXXX  to  XXXX  was based on an income of {$55000.00} with  XXXX  people in the household. I do n't understand what Fedloan Help is doing but they are n't telling people what they are really doing. Of course there are contracts you have to sign and I need to go back and read them ; obviously I did n't read them closely and was suckered. Their claim is that they would take over the loan and I would pay them. They 've taken around {$2500.00} for me and none of it has gone towards my student loan.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-21
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Elan Financial didn't follower the terms and conditions transferred from XXXX XXXX XX/XX/XXXX. Automatic payments stopped with-out my authorization and I was unaware payments stopped Causing two months to be late. Automatic payments were not made because they didn't honor the original ACH agreement., The only way I found out was when I pulled my credit during that time to see a new credit card company that I was unaware of the merger.

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 2021-12-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2018-05-31
Company: Monarch Recovery Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I dont know why this company is callling my home. I have a perfect credit record and I dont owe any company any debt. I answered the last time they called and I kept saying hello hello and then I just heard a click in my ear. They never said a word.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Thrivepoint Financial Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid this off via wire transfer on XXXX and sent the XXXX fed reference number which validates the funds wired. I contacted the company on XXXX and on XXXX requesting the paid in full letter but they refused to give me one stating that they have to wait until a bond XXXX XXXX, XXXX, XXXX XXXX ( DTA ) advises them that the funds were received and they said that can take up to two weeks? That is not legal and is absurd as I sent the payoff funds via wire transfer and the funds were received so the loan has been paid in full and the con not hold me XXXX by not complying with my request. The debt has been paid and I must have the paid in full letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Solar Mosaic LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Today 's date XX/XX/2022, I received a letter from the company XXXX XXXX XXXX about an alleged/disputed loan with the company MOSAIC ( Loan # XXXX ). I wrote back to this company about the legal dispute regarding this loan. For, this loan was fraudulently established under my name by the companies XXXX XXXX XXXX, MOSAIC and XXXX XXXX You can refer to the current investigation conducted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), as well as the police report from the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), and the complaint with CFPB against MOSAIC ( XXXX ). This company is attempting to collect a debt that simply does not exist, because i have never taken a loan with MOSAIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
USAA violated the Electronic Fund Transfer Act and Regulation E by failing to properly honor consumers stop payment requests on preauthorized electronic fund transfers on account number card number XXXX I am disputing the XXXX debited from my account not related to the contract with the XXXX : 1.Agreement # /Memeber number # with XXXX XXXX dated XX/XX/XXXX - XX/XX/XXXX is in error. 
2 The agreement was made on XX/XX/XXXX, but was cancelled on XX/XX/XXXX with the school and Facts and the girls last day was XX/XX/XXXX not XX/XX/XXXX. 
I never agreed to update the card for any auto pay XX/XX/XXXX with card number XXXX. 
The contract with Facts only supports an eft/auto pay from card number XXXX account USAA # XXXX closed and card cancelled Under the advise of USAA we agreed to use the USAA bill pay program and not use the card and account for auto/pay XX/XX/XXXX a onetime payment was was made and a fee charged and paid to settle account arrears. Again in support of my refusal to update the account with auto pay and settle the account with one time payments. USAA has failed to resolve the XXXX auto dispute complete reasonable error resolution investigations. Even after being provided the fraudulent contract stating it was valid XX/XX/XXXXXX/XX/XXXX/see supporting documents in support of Contract was valid XX/XX/XXXX-XX/XX/XXXX with XX/XX/XXXX as withdrawn date.

Company response to consumer: Closed with explanation