BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
DEAR CFPB I WOULD LIKE TO MAKE A COMPLAINT AGAINST MY MORTGAGE LENDER OCWEN LOAN FINANCIAL. I HAVE AN ISSUE WITH THIS COMPANY BECAUSE THEY ARE STATING THAT WE ARE BEHIND ON OUR MORTGAGE PAYMENT OF {$1300.00}. I HAVE BEEN PAYING MY PAYMENTS SINCE IT WAS MODIFIED IN XXXX XXXX. WE ARE GETTING THESE PHONE CALLS FROM OCWEN STATING THAT WE HAVE TO PAY OUR XXXX XXXX PAYMENT, WE HAVE BEEN MAKING ALL PAYMENTS AND HAVE NEVER BEEN LATE. WE WERE INFORMED IN A LETTER AND BY PHONE THAT WE ARE NOT CURRENT. I HAVE DONE MY RESEARCH AND ASKED FOR MY PAYMENT HISTORY BY MAIL AND FOUND THAT A PAYMENT OF {$1200.00} ON XXXX XXXX, XXXX WAS NOT APPLIED CORRECTLY TO MY ACCOUNT. I HAVE CALLED ON XXXX XXXX, XXXX AND THEY HAVE STATED THAT MY PAYMENT HAD BEEN CHANGED AND WAS HIGHER THEN WHAT WE BEEN PAYING. WE WERE NEVER INFORMED OF THE CHANGE, NOW BY NOT BEING INFORMED OF THE CHANGE, THEY HAVE HELD MY {$1200.00} IN A SUSPENSE ACCOUNT AND STATED THAT THEY NOT ONLY HELD MY PAYMENT IN A SUSPENSE ACCOUNT, BUT THEY APPLIED PART OF MY PAYMENT TO THE LATE FEES THAT THEY ARE CLAIMING WE OWE. FROM THEN ON MY MORTGAGE IS NOW BEHIND, AND I AM DISAGREEING WITH WHAT THEY HAVE DONE. I CALLED ON XXXX XXXX, XXXX AND HAD SPOKE TO THE RESEARCH DEPARTMENT AND THEY ARE SUPPOSED TO INVESTIGATE WHERE MY PAYMENT WAS APPLIED AND WILL LET ME KNOW WHAT HAPPENED. SO I HAVE BEEN IN CONTACT WITH OCWEN AND THEY STATED THAT MY ACCOUNT IS BEING LOOKED AT AND WILL BE RESOLVED WITHIN 15 DAYS. I HAVE CALLED AGAIN ON XXXX XXXX, XXXX AND SPOKE TO THE RESEARCH DEPARTMENT AND THEY HAVE STATED THEY HAVE CORRECTED THE ISSUE, BUT MY ACCOUNT IS STILL BEHIND. I AM DISPUTING THE WAY THAT THEY HAVE TAKEN BEEN APPLYING MY PAYMENTS TO MY ACCOUNT. I NEED ANSWERS TO MY DISPUTE, BECAUSE NOW THEY ARE MAKING ME FAIL ON MAKING MY PAYMENTS ON TIME I HAVE SUBSTANTIATION TO PROVIDE BY FAX OR MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: TENET HEALTHCARE CORPORATION
State: TX
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: Billing dispute for services

Complaint:
On  XXXX / XXXX /  XXXX  , I paid my hospital bill through Central Financial Control in the amount of {$230.00}, confirmation #  XXXX . I have been alerted through my ID Alert monitor-credit monitoring as a Federal worker that the Central financial control reported to my credit bureau that I still owe them 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 2021-12-28
Company: EQUIFAX, INC.
State: TX
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:
Equifax is reporting the following medical debts that have not been validated and updated with the company name or contract information. I don't know 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay.

I have already disputed with Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. 

Account No. XXXX Amount {$1100.00} Account No. XXXX Amount {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Fees charged for Check Image Statement after conversion to Huntington Bank XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call Told bank this is a reoccurring issue ; each month different excuse. 
Told bank I was filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Barclays and Jetblue have partnered to offer a MasterCard. They claim that you will receive promotional bonuses and points for flights. I have spent 4 hours on the phone with both Barclays and JetBlue and neither company is able to link my credit card with the Jetblue rewards. They refuse to award the offer for which I signed up.

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 2023-01-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out XX/XX/2021 and called service provider regarding relocation service. They open new account and didnt close previous account and Ive been charged for 15 months and when my credit card was expired they just move my due to collection. And that time I realize that they didnt disconnect my previous address. 
They charge me because their representative didnt close my account when did transfer of service and they refused to refund me for that period instead they moved to collections. 
I did called to collections and tried to resolve with them but they just dont resolve the case. 
I did contact XXXX  and my case never been take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Social Finance, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I refinanced my student loans wit h SoFi. I ha d multiple federal and private loans, so  the ultimate goal wa s to consolidate all of them and save money, of course. SoFi puts out a lot of advertisement on how they can save people so much money with their student loans, and that is why I chose them. They only go up to a 20 year plan, and my loan is over  XXXX . Currently, my payments are around {$750.00} a month. I am  only one yea r out of graduating college and have a good job and have even been promoted twice, but I still am struggling mightily with these loans. You would be hard pressed to find someone 1 year out of college that would not be struggling to cover {$750.00} a month just for student loans. The student loan payment is more than my car payment plus rent combined. I have called them multiple times to ask what they can do to help me lower my payments because I am currently not saving any money, which was the whole point of doing this. Almost every other company can offer things like income-based payments or a longer term deal. Either way, I need a better payment structure ; every time I call them to ask what they can do to help they always tell me that there is nothing they can do. The y give one o ption which is to switch to a fixed rate. Well, that makes no sense because the current fixed rate is around 8 %. My current variable rate is around 5.5 %. Being on a variable rate can be very dangerous, especially for someone in my situation, but it is the only way I can possibly make any of these payments. The only other thing they mention besides switching to a fixed rate is to call  XXXX , who is actually servicing the loan. If I call  XXXX , they tell me to call SoFi. They just send you back and forth, and that is not a good look. I always ask them if they can push my term out t o 25 or   30 years, because that will definitely lower my payments. It would also be a GREAT business decision on their part, because they can make even more money off of interest from me over a 30 year span. To me, I understand that I a spending more money on interest, but that gives me more money to invest now, and also will allow me to breathe with lower payments. However, they always say that there is nothing they can do to help me. Plain and simple, I need a better payment structure. They are making money off of me no matter what, so there should not be any problem with switching up the payment structure. My current plan has a balance of around  XXXX  and has a projection of me spending a total of  XXXX  including interest over the life of the loan. That shows that they are going to be making a lot of money off of me. Surely they can do something to help me out given that I am helping them make so much money. Right now, they are doing nothing to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Once my XXXX was confirmed on XXXX 2009, my lender failed to send me monthly statements with the new amount. It took many letters and calls and over 6 months before I received my first incorrect statement. 
According to the BK court, XXXX XXXX XXXX, modified the existing loan to be {$790.00} and the Debtor will pay the taxes for the property. 
The Debtor paid the taxes for the first year, but XXXX ( the previous bank ) still charged the Debtor for the taxes. 
Since then the banks never allowed the Debtor to pay the taxes and the new lender informed me that they have no records previous to them taking over the loan. 
The new lender is currently Caliber home loans and they told me that I owe them {$13000.00} in back taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: EQUIFAX, INC.
State: WV
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:
In the  Magistrate Court of   XXXX   County I entere d into a Settlement agreement which I would pay  one month  rent of {$1500.00} and forfeit my security deposit. A judgment was never entered against me. The check was cashed and appears paid and I have a copy of the canceled check. It was deposited on   XXXX   XXXX   XXXX  . Check numbe r 147, t he agreement was it was to be paid by   XXXX   XXXX   XXXX   which it was and hand delivered to the Plaintiff, dated for the sixth. He was to report to the court that it had been paid and the case would be dismissed, however, the plaintiff never reported this to the court, I found it during a review of my credit file. I have sent several letters and motions to the court to correct this error with no response or help other than they did not report it. My first letter was sent   XXXX   XXXX   XXXX  . My case number was  14-C-1886.  On the same date I filed a motion to enforce settlement, since this should have never been entered as a judgment since I paid pursuant to a settlement agreement. The court instead had the plaintiff enter a release of judgment on   XXXX   XXXX   XXXX  . This was not agreed upon. There should have never been a judgment entered or release as we reached a valid settlement agreement on   XXXX   XXXX   XXXX   for me to pay by   XXXX   XXXX   XXXX   and the case would be dismissed. This release did nothing to remove this inaccurate information from credit report. Again I sent a letter on   XXXX   XXXX   XXXX   requesting that the judgment be vacated and removed from my credit report and in the mean time to report to the agency that is was paid. I disputed the same with  XXXX  and eventually they removed it. Now it is appearing on my Equifax report that I filed a dispute with today. I have applied for a mortgage and have been approved I am in the process of purchasing a home if this fraudulent reporting and lack of the Court reporting the accurate information and removing this error of judgment on my record results in my denial of the mortgage which is set to close on   XXXX   XXXX   XXXX   I will file a lawsuit for the entire amount of the home value. This is ridiculous that I have repeatedly attempted to correct an error on the Courts behalf and they ignore me. I have all documentation of my attempts to get t his Court to re move the judgment. It is completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
William & Fudge , Inc. is requesting over the 8 % maximimum rate of statutory prejudgement interest as allowed in the Mississippi Code XXXX. I received a call from William & Fudge in XXXX XXXX stating I owed a debt to the University XXXX for a private student loan, my agent stated his name was XXXX XXXX The loan balance at the time included XXXX for the principle, XXXX for interest and XXXX for collection fees. The company confirmed that the collection had only been with their agency since XXXX XXXX and I requested a calculation of how the collection cost had come to over XXXX in such a short period of time, they were not able to answer, I also requested a settlement of the collection cost, to which they advised me to contact the University XXXX . I contacted the University XXXX on XXXX and was informed by XXXX in the Bursar office that the state of XXXX does not allow for settling on the original debt ( loan principal and interest ), however the collection company may be able to negotiate their fee. XXXX also informed me that the collection cost and fees did not cumulate from collection agency to agency and the fee the William & Fudge was charging was based on services that began in XXXX XXXX. I contacted William & Fudge on XXXX/XXXX/XXXX and spoke to VP of collection XXXX XXXX, who informed me again that they could not settle on the collection fees, I asked him how those fees were calculated as the file had not been with their company for more than two months and collection efforts had not been excessive, the company had my contact number and address on file and I had been in contact with XXXX XXXX. I was provided with no response other than it is their policy. I have sent a formalized debt validation letter to William & Fudge asking for : Breakdown of the principal, interest of loan Calculation of collection cost and fees including interest you say I owe ; Timeframe in which said interest rates are being calculated ; Provide me with copies of any papers that show I agreed to pay what you say I owe. In Pursuant to the Mississippi Code XXXX the Legal Maximum Rate of Interest is 8 % ; contract rate not to exceed greater of 10 % or 5 % above discount rate Mississippi Code XXXX. Penalty for Usury ( Unlawful Interest Rate ) Forfeit all interest and finance charge ; if rate exceeds maximum by 100 %, any amount paid ( principal or interest ) may be recovered ; person willfully charging usurious rates guilty of misdemeanor and fine up to {$1000.00} Mississippi Code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a letter from ERC Debt collectors XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX. I called them an got through after 3 minutes. I told the representative that this is a falsified debt that I have n't had XXXX in over 10 years and it had been paid in full and that my credit was pulled by real-estate lender 's in the past two years and there was no debt from XXXX or anyone trying to collect a debt on XXXX behalf. They said please hold and they hung up got the busy signal on the phone. I called them back went through the same prompts and got the message to please wait for the next available representative. I waited for over 2 hours an never got through. I called back and same thing happened waited an waited. So I looked online an found that others have complained about this company trying to scam them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : US DEPT ED XXXX DPT EDXXXX XXXX US DEPTED XXXX US DEPT ED XXXX* DPT EDXXXX XXXX DPT EDXXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX US DEPT ED XXXX DPT EDXXXX

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: CNG FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX, 2015 @ XXXX XXXX I was contacted by someone caed my job stating that she needed to what time I would be home to serve me some papers I needed to sign for I informed her that I work daily and do not have set hours that i come home in the evening. I then asked what kind of papers she responded just to notify me of debit she gave me contact info of the company with a reference number. I called the company @ XXXX Reference # XXXX & the said the were working for an investor & they wanted full payment I explained i can make a payment of {$20.00} a month she put me on hold said investor would on take {$170.00} a month i explained i could not afford that amount & she got really rude and stated how close can you come i responded {$20.00} she said i need to be more realist with payment. I hung up on her when she got loud. I recieved several number withheld numbers & then a message was left stating she would be out to my home on XXXX XXXX, 2015 & she needs to see my ID to leave papers & she has a second address she will also go to if i am not home and left the number where the papers where sent from. I then called the company who does not give the name of the company & I spoke with XXXX XXXX ext. XXXX I explained to him that I recieved a voicemail from some woman stating she was going to bring papers to my home & second address if I am not home I told him they could not come to my job he stated that she would not and they would just be sent in the mail if she could not reach me. As i was hanging up the phone he stated good luck in court & hung up. I called the number back and asked for his name, company name, & address so I could file a complaint for the comment he made about have a good luck in court when I was told the day before that the papers were just to notify me of the debt & it had not reached that stage yet & I also wanted to report him for his attitude. I also told XXXX XXXX that I was going to report the threat to take legal action to the FTC. He then became reallly rude and gave me the address of XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX and the Director is XXXX XXXX ( ext. XXXX ) & he stated again good luck in court case we do plan to take action & do you want the attorneys name I hung up on him because he was upseting me with his rude attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Viking Client Services
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I rented a car from XXXX. I did not inspect the vehicle because I picked it up late at night in a rainstorm. When I returned the car the following afternoon the attendant asked me how I damaged the front corner panel. I was shocked. I had not damaged the car in anyway. I filled out a statement with Budget that stated i did not inspect the vehicle and I had no idea how the damage occurred or even if it was while I had the car. This was XXXX XXXX. Today, I get a call and a letter in the mail from XXXX XXXX XXXX. The letter has no information on the car, the damage, even the rental date - nothing. It is just a bill for {$470.00}. I called Viking Services and asked for an itemized statement of damage and repairs. I also asked how to dispute the charges. They told me they would send me info on XXXX but have not responded. I told the representative I spoke with i would wait on the line while she collected the info but she said it was a long process. Really? If they want money from me should n't they have all the documentation readily available to them?

Company response to consumer: Closed with explanation