BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-05
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Calif check cashing charging 150 % interest on a loan I took outand I am XXXX and ca n't pay this ; no one said what the interestrate was. 
They keep calling me and my family and telling my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I placed an order online with XXXX in my RushCard account show as pending, called the company several times & I 'm being told they do n't see a transaction but my money is gone from my account balance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
There is an account with OCWEN reporting on my credit report, account number XXXX, that is not and never was my account. I am in the process of refinancing my current mortgage with XXXX and I am unable to move forward because of this issue with OCWEN. My credit report says it is a charge-off account that I still owe {$25000.00}. Every time I call OCWEN, they tell me the account number that is on my credit report for them is in fact NOT my account, and that this is for a property in OHIO for someone else. They are unable to tell me who, since this is not my account which I understand. However, I have asked multiple times for them to confirm this by sending me a letter verifying that this is not mine. The first time they told me they were unable to do this. After multiple complaints they told me a couple weeks ago they would send something to me in the mail. I never have received anything. Furthermore, I submitted something to XXXX to call OCWEN and verify. They called and OCWEN said it is to stay on the account. Then when I call they said its not mine?? I want this resolved asap and I need to get this loan refinanced and this is holding me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXr XXXX, XXXX XXXX  XXXXXXXX XXXX XXXXr XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have 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 2016-12-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage company, OCWEN sent me a letter via XXXX mail on XX/XX/2016 ( Dated XX/XX/XXXX ) stating that my mortgage payment was returned for non-sufficient funds by my bank, XXXX. My account shows that no attempt was made by my mortgage company to get the payment that I had made electronically on the XX/XX/XXXX. I also spoke to a representative at my bank who confirmed that no attempt had been made to cash my payment. I have been paying my mortgage electronically for several months and keep a confirmation notice. There is a default feature at the OCWEN website, which allows me to pay from the same account -- which I did. 
In the letter from my mortgage company, I was instructed to make an immediate payment or I would suffer penalties in additional fees. So, in order to avoid those fees, I sent a rush payment via XXXX. But it still ended up costing me an additional {$45.00} above my regular mortgage payment. I feel that OCWEN was either careless or dishonest in this instance. I wanted a record of this complaint so that they will correct this situation, instead of allowing them to blame me for their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
In XX/XX/2019 late payments where on my accounts. I called the companies and they said they said they will remove the late payment off my account. They have yet to been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX XXXX, I've received a email from Goldman Sachs stating I was denied for the XXXX  card by Marcus due to them being unable to verify my identity. I called Godman Sachs and the customer service representative wasn't able to help me verify my identity they kept telling me to apply again and after doing so I kept getting the same email with the same information. After reaching out again a customer service representative told me send a photo copy of my state identification card, so they can verify me in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Northeast Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
A woman by the name of XXXX called my husband. SHe told my husband I owed XXXX. He asked for what and they would not tell him. My husband gave me the phone number to call back. I called the number and a guy answered the phone not even mentioning the name of a company. He immediately transferred me the XXXX and I asked her what this was in reference to and how dare she call my husband and give information to him without my knowledge. She told me that I am a " friggin mess '' and that she was going to have my wages garnished. I have no idea what company this is and when I look up the phone number online there are similar complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
Charles Schwab ( brokerage ) illegally took {$190000.00} from my bank account at the Charles Schwab Bank in XXXX, XXXX today ; I deposited a Trust check from XXXX XXXX XXXX, XXXX, XXXX for this amount on Saturday, XXXX XXXX, 2016 into the only ATM and only real Bank Schwab has. We believe they are operating a XXXX State illegal bank where " back office '' is XXXX XXXX XXXX, XXXX where Bank Statements are processed. Deposits are made by pre-addressed envelopes which go to XXXX XXXX, XXXX. 

We believe these are illegal racists acts by the " Client Advocacy Team '' which is a fraudulent name for a Unit with actions like XXXX during XXXX. 

I am an expert on Banking ; You will note " CAT '' on the withdrawl attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
A International Promissory Note was sent too the CFO and the Research Dept to Discharge my Mortgage Note at Ocwen Loan in the amount of {$300000.00}, they stated that they could not accept it because it was not the full amount, Ocwen stated that they will send me a payoff quote, in which I received in the mail, Sent them another Promissory Note in the amount of {$310000.00} for full amount, the Research Dept of Ocwen stated that they would have to do research, I also fell to mention that I sent information on the Law in regards to the Promissory Note being Legal Tender, they kept XXXX the Promissory Notes for about a Month, Finally got a call and a letter from Ocwen stated that they could not accept my promissory note, I asked them why, and they could not give me a reason why. At this time they holding XXXX Promissory Notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: U.S. BANCORP
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
On XX/XX/2020 I received in the mail a US Bank Reliacard debit card. I did not apply for any type of card with US Bank. I attempted to contact US Bank through the number listed on the paperwork included with the card. I was placed on hold for an extended period of time. Since I was unable to get through to US Bank, I called the Consumer Financial Protection Bureau. I was told this was likely a scam where someone has used my information to file a fraudulent unemployment claim. I was instructed to contact my employer to inform them of the possible unemployment claim in my name, to contact my state unemployment office, to report that my ID may have been stolen to IdentityTheft.gov and to inform the 3 credit bureaus. I completed all of these steps on XX/XX/2020. As of today, XX/XX/XXXX, my employer has not seen any unemployment claims filed on my behalf. I have not received any response from the other entities.

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 2022-05-17
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone ordered a XXXX in my name and now convergent outsourcing is asking me to pay them about {$1500.00} for a XXXX  that isnt mines and I just want to get this matter settled I tried to dispute it several times but they wont close it theyre stuck on stickiness dead to me and its getting in the way of me doing things I need to do with my life and my credit

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 2016-04-02
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was named as a defendant in a mortgage foreclosure that I have absolutely nothing to do with. OCWEN Loan Servicing and the law firm XXXX XXXX have tied my name into a foreclosure with a person ( XXXX XXXX ) I do not know. I have never signed for papers for this mortgage, or for a house in Oregon. I do n't live in Oregon and do not know anything about this, yet name name is being attached to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America misappropriated 2 months of XXXX of my properties/mortgage payments when they bought Countrywide. Ultimately, with the help from an attorney, the properties came out of default, my credit was cleared, or so I thought, and this was in 2010. Now, I 'm getting ready to refinance the XXXX properties in which I finally have equity, and the exact language on my credit report shows the following language : " Status/Details : This item was updated from our processing of your dispute in XXXX 2010. '' Of course, the new lender wants this off my credit report. So I called Bank of America who told me to write a letter, which I did, requesting them to have the credit agencies delete that language. I followed up with a phone call, indicated by the person I spoke to on the phone. He told me that the address I send the letter to ( overnight mail ) does n't have any phones, so I ca n't call them to follow up in XXXX XXXX. He ( XXXX ) is located in XXXX Arizona. I asked him ; " what can I do? '' He told me ... .you got it, " send a letter to the address in XXXX XXXX XXXX '' I told him I already did, and he then proceeded to tell me they 'll have to research it, and that this could take between 28 and 30 days ; which I do n't have. 
So, my question to you is : If Bank of America is requiring I pay everything on time, which I do, did, and would continue, how come they are n't available EVER to answer my request. 
I can not tell you how incredibly frustrating this is. I hope they all go under in my life time. Sick of banks and the power they hold over small, really good consumers like me. 

Now, my question to you, what can I do? What will you do? or ... ... should I just take another XXXX and forget about it? Eagerly awaiting your answer,

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 2022-05-17
Company: EQUIFAX, INC.
State: GA
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, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX  Account Number # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: MORTGAGE 1 INCORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I paid for an Inspection in our home. It was for an FHA loan. Everything was good then they told us they could not complete our loan Untill XXXX due to and FHA rule we called HUD and found out they were doing it wrong so we took our business else where. They never logged out inspection and the cancelled it so the other company could not use it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: LA
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 and XXXX are reporting old information in which according to FCRA are old accounts and they can be update from my credit file. I requested via fax again for the updating of the old creditors and the old account haven't been updated. This is the account in which I am asking to be updated from my credit file XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}. I am no longer liable for this account.

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 2022-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Saturday, XXXX XXXX, 2017, I attempted to access my online account with Bank of America because my payroll check was deposited on this day. I kept receiving an message that the account do n't exist. I contacted the bank and was told that my account was closed. XXXX ( not sure of the spelling ) said that BoA does not have to give me a reason why they closed my account. I went to the BoA branch on XXXX & XXXX ( XXXX, MN ) and the Bank Representative name was XXXX and I explained to him that I need my money so that I would not get evicted and medication. I explained to him what had taken place earlier on the phone. He called the department that closes accounts and they said again that they do not have to give me an reason and that they would my mail my money to me between 10 - 15 business days. Later on Saturday, a bank representative contacted me and I explained to her again what had taken place. She said that I should return back to the bank on Monday, XXXX XXXX, 2017 to see if I could withdraw my money. On Monday, XXXX XXXX, 2017, I went to the BoA branch in the XXXX ( downtown XXXX ) and talked with XXXX. XXXX looked at my account and said that was strange. My checking is closed but my savings was still opened. XXXX called the department that handles closed accounts and spoke with XXXX. XXXX explained to him that I needed my money because I had rent to pay and to buy my medicine. XXXX asked if I was given a reason why my account was closed and I told him no. XXXX told XXXX that my account was closed on XXXX XXXX and I said that I did n't not receive any notification that my account was closed. XXXX said that my payroll check was rejected and returned to my payroll dept. I said I received notification. I was told by XXXX that my account was a risk account and they were closing it. I received nothing from them and if I had I would have contact my payroll department and intercepted so that I would have money to pay my rent and get my medicine. I am very disappointed in BoA because I was give several different stories about my account and what happened. As of today, I have no money to pay rent and to get medication. This is a inconvenience and that I should have received some type of notification. If my saving is not closed, why ca n't I get my money out?

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 2016-07-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo Dealer Services Auto Loan not my account. Appears on my credit report as Account # 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 2022-10-01
Company: CITIBANK, N.A.
State: PA
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:
I have been on auto-pay a very long time with Citicard. In XXXX of 2022 and XXXX of 2022 I contacted customer service to put me back on autopay. Both times they confirmed auto-pay was in place. 
On XXXX I paid Citicard in full for {$130.00} On XXXX Citicard reported me {$130.00} delinquent dropping my credit score XXXX  points. I have tried many ways to request they remove it from all credit bureaus. 
They have refused to do so. 
I have been denied credit because of this at least 6 times for new credit cards or debt consolidation or personal loans.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There incorrect personal information 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 non-monetary relief