BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
{$20000.00} theft at the closing table on XXXX XXXX on a home re-fi by XXXX/agent of XXXX, with an inflated appraisal of $ XXXX for a $ XXXX note, then GMAC took over and raised my payments from {$1800.00} to {$2700.00} BASED ON THE FALSE APPRAISAL. 
Filed lawsuit XXXX in the corrupt XXXX XXXX XXXX, they got a summary judgment XX/XX/XXXX, AFTER THE CFPB-OCWEN CONSENT ORDER in XXXX XXXX. I am still in my home as the note was paid off by XXXX, XXXX and my tender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XXXX/XXXX/15 my husband and I attempted to make a purchase through my US Bank credit card for {$8000.00}. US Bank did not pay the {$8000.00} to the business. We were contacted within a few days by the business owner and we were told that US Bank did not pay the $ XXXX and that we needed to pay him. On XXXX/XXXX/15 we paid the $ XXXX by making a direct deposit to the business owner 's bank account. US Bank subsequently charged the $ XXXX to my credit card on XXXX/XXXX/15 after we had already paid the business owner. The business owner never received the $ XXXX from US Bank. After receiving my billing statement and realizing that US Bank charged me the $ XXXX, I called US Bank and disputed the charge. They told me I needed to provide verification that I had paid the $ XXXX. I provided the direct deposit receipt for $ XXXX showing that the money had been deposited into the business owner 's bank account. U.S. Bank has not removed the charge from my account and is now charging me interest and harassing me about payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 I was mistakenly charged {$1700.00} from vendor XXXX XXXX XXXX XXXX selling makeup. I bought XXXX lipsticks and facial cream which should have totaled {$60.00}. 
I did not catch this error for 2 weeks, Once I did, I called XXXX and was informed she did not have the Monies to refund me. I went into my bank ( US BANK XXXX and filed a complaint for fraud. they issued me a provisional credit on XXXX XXXX as XXXX XXXX was not responding to me or them. after 90 days I received a letter from US Bank resolutions dept that their investigation was completed and my credit was now permanent. Upon recieivng this information I thought all was done. Sadlly on XXXX they reveresed their decision and took the monies back stating XXXX XXXX had produced a signed receipt ( which I have never done ) I told the agent she swiped my card on a square card thru her phone and I never signed anything now was i given a receipt ( I know XXXX XXXX as a long time acquaintance and have bought from her in the past ) this reversal of monies overdrew my account and US bank charged me {$140.00} in fees. I was devasted that my bank could do this after giving me a letter telling me the fraudulent credit was permanent. I called US Bank and was told the reolution agent would call me on XXXX and they would aslo send me the receipt all of which I have not received nor has anyone ever called me. I have walked into the US Bank office on XXXX XXXX XXXX XXXX XXXX and spoke with the bank manangerXXXX and explained all to her. She was to investigate and offer me another credit. XXXX did pay me with a cashiers check of {$800.00} issued thru her XXXX XXXX XXXX XXXX account thus the new balance owing me is {$890.00}. I asked XXXX to dispute this new balance and get me a provisional credit. to date Nothing has been done. I was back in her office on Monday XXXX XXXX and she informend me she was still working on it. Yet no one has reacehd out or returned my calls or emails, I went online and emailed customer service thru my account and emailed XXXX XXXX XXXX as well again on XXXX. I am not getting Anywhere and feel cheated and stolen from. I will also be filing a complaint on XXXX XXXX XXXX by XXXX who operates out of her home. I now have to labor this with small claims court as well. How can my bank issue me a credit tell me its permanent and then take it back? I want this resolved and my {$140.00} in fees reversed as well as a permanent credit for the remaining disputed fraud charges to my checking account of {$890.00} balance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company raised my mortgage {$500.00} extra dollars monthly they say my escrow account has been in the negative since XX/XX/XXXX which they are saying I 'm in the negative for over {$5000.00}. I really do n't understand why or how this could even go on this long. I had them check which they said they did a analyses but on the papers they sent doing XXXX different analysis shows XXXX different numbers. I called concerning this analysis XXXX was in XX/XX/XXXX the other in XX/XX/XXXX. I have checked my taxes and my homeowners insurance and it did not go up no more then {$50.00} to {$70.00} dollars I put notes to draw to your attention to the marking periods that seems to be different on each. 

please help i can not afford this Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I had a {$51.00} credit card statement balance, on or about XXXX I disputed a {$50.00} charge, on XXXX I received an email from US Bank stating they had received my dispute and would contact me in XXXX days ; I have still not received a reply. 

On XXXX XXXX, I paid the {$1.00} remaining balance on my credit card, as I am not required to pay the disputed amount during the dispute. 

I was charged a {$27.00} late fee for not paying the disputed amount, a {$2.00} finance charge and received my new statement stating I must pay all {$79.00} XXXX XXXX ). 

While I called customer service and they removed the fees, it seems that if I have an item in dispute, by charging me a late fee for not paying the item in dispute they are violating my rights under the Fair Credit Billing Act and they may be doing this to other customers as well who do not know their rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-11
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
US Bank charged me an overdraft fee of {$36.00} because I did n't have money to cover the monthly account fee of {$6.00}. My account was already negative by a few cents - {$.00} when the monthly fee was charged. Once the monthly fee was charged on the account, the balance was - {$7.00} and therefore us bank charged a fee of {$36.00}. It is not fair the bank is charging me overdraft fees because I did n't have the money to cover their monthly fees. And besides the {$36.00} for a charge of {$6.00} is outrageous. I would appreciate if you can help out US bank customers. This is not the first time they charge me a fee of {$36.00} for going negative for less than {$10.00}. Other banks at least have tiers that would not charge an fee that is 4 times the negative amount.

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 monetary relief
Consumer complaint received 2015-10-02
Company: U.S. BANCORP
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX I opened a US Bank checking account which was having the promotion..deposit {$500.00} or more in direct deposit and after 60 days they will reward me with {$120.00}. I had used the correct promotion also. I had the {$500.00} direct deposit XXXX ( from my employer i.e. salary deposit ) i.e. within 60 days ... I was suppose to get {$120.00} on XXXX ... i followed when not getting {$120.00} ... this week got the response that they wo n't be giving me {$120.00} as I opened the wrong checking account-what??? But i had the promotion code applied -if i was opening the wrong account with the right promotion code on the website ... why the website did n't stopped me ... i already called the customer service ( phone call as well as chat ) -nobody told me that at the time of opening the account ... ..so they are just making an excuse not to pay me {$120.00}. i fulfilled all the rules and played by their rules book ... but now they are denying me the promotional bonus that i deserve ... .essentially speaking they are confusing the customer if they ca n't convince them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
1- My monthly mortgage payment for XX/XX/XXXX was {$1200.00}. I sent in a check in the amount of {$1800.00}. As you can clearly see on the check and on my monthly payment coupon I had stated that I wanted an extra {$600.00} to be applied towards the principal payment. Ocwen failed to apply all of the {$600.00} dollars towards the principal and only applied XXXX towards the principal. XXXX not sure where the other {$19.00} XXXX was applied to? 
2- My monthly mortgage payment for XX/XX/XXXX was {$1200.00}. I sent in a check in the amount of XXXX. As you can clearly see on the check and on my monthly payment coupon I had stated that I wanted an extra {$650.00} to be applied towards the principal payment. Ocwen failed to apply all of the {$650.00} dollars towards the principal and only applied {$620.00} towards the principal. XXXX not sure where the other {$22.00} XXXX was applied to? I have tried to resolve this and many other issues with my so called relationship manager XXXX XXXX, I have talked to her a couple times on the phone but every time we have talked she says that she is unable to pull up my account on her end. She had requested that I fax her some of my payment coupons and that she would be able to get everything taken care of. After I did she has never returned any of my calls or e-mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
failure to provide continuity of contact in a timely manner. on several occasions over the past couple of weeks both via e-mail and telephone I have asked Ocwen to contact me regarding questions I had about their loan modification offer. to date they have failed to contact me regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
( XX/XX/2018 ) I called XXXX this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. XXXX will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. XXXX kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a XXXX representative that refused to give me his name, he said he was from the XXXX branch within XXXX, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The XXXX rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the XXXX rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew XXXX was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if XXXX filed a false police report against me and they said that XXXX could not do that and they wouldn't take a police report on that if they did. XXXX does illegal things when dealing with students/customers and I would like something done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A collection company named, XXXX XXXX XXXX , XXXX, ( XXXX ) owned and operated by D, Scott Carruthers has violated my rights under the Fair Debt Collection Practice Act ( FDCPA ) by attempting to collect a debt outside the statute of limitation for collection. XXXX also filed a collection lawsuit for the debt, which was outside of the statute of limitations of four years in this state. The debt was with a company called XXXX, which went delinquent and into collections in XX/XX/XXXX, and was Charged off by as a bad debt at the time. XXXX XXXX XXXX bought the debt for pennies on the dollar in XXXX and are attempting to illegally collect a debt outside the statute of limitation, and trying to collect XXXX times the original amount ( {$3800.00} ), which according to the FDCPA is also illegal. XXXX XXXX XXXX started their tirade back in XXXX XXXX by calling my job and threatening me on numerous occasions, until I demanded their office stop calling my workplace. XXXX XXXX XXXX and D. Scott Carruthers has threatened me, harassed me and are now filing an illegal lawsuit for collection of a debt that according to federal law is an illegal attempt to collect. Furthermore, XXXX XXXX XXXX has knowingly acted outside the law and have no respect for it, because Carruthers and XXXX XXXX XXXX never formerly served on the lawsuit in accordance with the law. XXXX 's sole purpose is to bottom feed by taking advantage of folks that were subject to financial misfortune during the housing market crash in XXXX, which I was a part of. I am asking that Mountain Lion Acquisitions, and D. Scott Carruthers be held accountable for their illegal acts, and everything they filed with the courts be rescinded, and they remove the Judgment notice XXXX 's and D. Scott Carruthers reported to my credit reports, which was filed erroneously, and was outside the statute of limitations for collection. Additional, XXXX XXXX XXXX , XXXX and D. Scott Carruthers lawsuit and reporting to my credit report has caused me not to be able to secure a personal loan of {$50000.00} as of XXXX XXXX, because of their erroneous reporting to my credit report. A Financial Representative from the company I applied to specifically asked me about the judgment, which was reported as of XXXX XXXX, which I was not aware of until then. furthermore, XXXX and D, Scott Carruthers filed a lawsuit without properly notifying me of the lawsuit, which again is against the law. Your assistance in this matter is greatly appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-06
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX I made a online payment to XXXX for XXXX the payment was never received. On XXXX XXXX a good faith letter was sent advising of the payment, amount of payment and account number. Another payment was made on XXXX XXXX which again was n't applied. After a 3 way call with XXXX, USbank and myself it was determined the funds were sent to XXXX which was the previous owner of the card. On XXXX XXXX another XXXX way call with XXXX, UsBank and myself in which payment amount, date and trace numbers were sent. I contacted XXXX on XXXX XXXX and they had no record of any account or correspondence. I once again, contacted USBank and was told the case had been closed and would reopen it. The representative told me he would call me XXXX XXXX XXXX but have yet to hear anything. I have spent well over 100 hours on the phone trying to get this resolved, to no avail.

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 2021-03-23
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company tried to place debt on my credit report without legally verifying or validating it under the fair credit reporting act. The company never exchanged goods or services or any exchange of monies. This company has since placed a charged-off statement on my credit report dropping my credit rating XXXX points!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Revenue Recovery Corporation
State: TN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
These are small XXXX XXXX bills that are owed and I never received any billing statements or knew anything about owing these bills ( they are bills from 2 to 4 years ago ). I received a letter from a collections agency requesting that these be paid in full. I called the collections agency and was informed that I am committing an unlawful crime if I do not pay these ASAP. This is not right for them to try scaring me or making suggestions of this kind. I do not appreciate this kind of business tactics.

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 2016-03-15
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
We are happy that this obligation is now behind us, please note the damage to my consumer credit 1. Credit report agency -Experian is showing this legal item of {$600.00} paid, 2. Credit report agency -Equifax is showing this as legal item not paid Requesting complete removal of this item

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 2016-06-03
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has placed a collection on my credit file dated XXXX XXXX, how can you place a collection on my credit file for XXXX XXXX and I paid this account with XXXX on XXXX XXXX so please inliting me how can you pay a bill in XXXX XXXX and now you put a collection on my credit file in XXXX XXXX saying a collection XXXX XXXX so how can a collection be placed on my credit file for XXXX XXXX and this account was paid back in 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 2016-03-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a collection account through a company I have n't had services with for a long time. My account was closed and paid for. This is unknown to me. I need this company to validate this

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 2015-08-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I contacted " Experian '' directly, and was somehow redirected to " XXXX '', I paid my XXXX for my Experian credit report but only got to view my XXXX XXXX and XXXX. fico score, I already got this info from credit XXXX XXXX, Experian is unlawfully in collusion with other corporations to hide, and make it to impossable for me to obtain!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.

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 2015-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian has fraudulent information listed on my credit file from XXXX XXXX XXXX XXXX Numerous attempts to dispute this Inaccurate and Unverifiable information have been made with no remedy. Supporting documentation will be sent via U.S. Mail

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation