BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 my mortgage payment was changed to the proper amount of {$780.00}. It was correct for the months of XXXX and XXXX. I went online yesterday to pay and it is back to {$1100.00}. Ocwen sent me a hard copy which shows {$780.00} due ( hard copy attached ), but the computer shows {$1100.00}. I called and was told I had to pay the {$1100.00} since the computer said that was due or I would be in default. I asked to pay the {$780.00} over the phone and was told that I would still be in default AND I would have to pay an additional {$19.00} use this service. 
I am so completely frustrated at this point. I do not understand why this is so difficult and why my payment keeps changing. They are saying they will " research it. '' Every time they " research '' nothing gets done. This has been an ongoing issue for 8 months! 
The other issue I am having is no one can tell me what the {$1500.00} " escrow account adjustment '' is for. It was taken out of my escrow on XXXX/XXXX/15 which is the day the modification went through. I do not see where it was posted to my new escrow so as of now I am missing {$1500.00}. They keep sending me letters which do not tell me anything or show me where the money went ( attached ). If I can see where you adjusted the money out of my account, why ca n't I see where you applied the money to my new escrow? It does n't add up since Ocwen charged me $ XXXX in escrow to make up for a " shortage '' which I never had. Ocwen has collected monthly for my taxes since day XXXX ( before this modification ) and I have never been short. I want visual proof of where that money was applied, not someone 's word that it was. 
I would also like to know what the " legal filing service '' charges on XXXX/XXXX/15 are for ( there are XXXX of them ). No one at any time advised I would have any filing fees. My understanding of an escrow account is that it is unlawful to use my escrow for anything other than taxes ( and insurance if applicable-but I pay it and they do not ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to, 15 U.S Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 US code 1681 - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the Written Instructions of the consumer to whom it relates. I NEVER gave any consumer reporting agency Written CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the delations of the accounts listed IMMEDIATELY

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 2016-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a letter from XXXX stating I had a balance from a capital one credit card. I asked them when this was opened and to send me the proof that this was my debt they said it could take ninety days I responded with you have thirty according to the law that is enough time for you to get me the information. They then sent me a letter 36 days later without proof the debt was mine and said they had just opened an investigation into the matter thirty days later. I called in response to this letter and asked them to stop their collection efforts and to remove this from my credit file immediately since they could not provide the necessary information in the time slotted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a business credit card through Capital One. Back in XXXX XXXX, Capital one requested documentation to bring the account into compliance with the XXXX XXXX. They requested corporate tax returns, which I refused. I offered to send a XXXX, which is industry standard. I argued about it with the representative, and she finally declared she could resolve it over the phone, and I should consider the matter resolved. Then on XXXX XXXX, XXXX, I discovered the card was closed. I called Capital One, and they said it was closed due to lack of XXXX documentation. I offered to send the XXXX, just as I did in XXXX, and Capital One sent me an e-mail link to a website where I could upload the XXXX. The person I spoke with on XXXX XXXX led me to believe the account could be reopened once the XXXX was squared away. I called today, XXXX XXXX, to follow up, as my account was to have been expedited. The representative today told me my account was closed because I failed to accept an offer they sent me in the mail recently. I recall the offer, and nowhere in that letter did it say my card would be closed if I made no selection. After escalating the call, I was told there was no hope of resurrecting the account or recovering the over XXXX rewards miles associated with it. After stating that I would file a federal complaint, I was transferred to a " manager '' who said maybe the account could be opened, maybe it ca n't, and she does n't know why I 've been getting different stories at every call. My wish is that at a minimum, the rewards miles on the business card be transferred to my personal card with Capital One so I may use the rewards I rightfully earned according to my contract with Capital One. At most, I would like the account reopened, with rewards reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX  DOB:XXXX  SOCIAL SECURITY: *XXXX
TRANSUNION CREDIT BUREAU
XXXX XXXX XXXX XXXX, PA XXXX  
PHONEXXXX XXXX  TODAY'S DATE: XXXX  REQUEST INVESTIGATION OF CREDIT INQUIRY ON MY BEHALF.
DEAR TRANSUNION REPRESENTATIVE,
         AFTER A RECENT REVIEW OF MY CREDIT PROFILE ON XXXX I NOTICED A HARD INQUIRY FROM XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX  UT, XXXX  ON XXXX. THE INQUIRY IS UNAUTHORIZED, INACCURATE, AND/OR MADE IN ERROR.
THE FOLLOWING INQUIRY IS IMPERMISSABLE:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX  ON XXXX.
PLEASE REMOVE THIS INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. SHOULD THIS COMPANY CLAIMED TO HAVE PULLED MY CREDIT REPORT VALIDLY, THEN IT IS WITH MY LEGAL RIGHT TO ASK FOR VERIFICATION DETAILS:
1: THE NAME AND JOB TITLE OF THE INDIVIDUAL WHO PULLED MY CREDIT.
2. THE DATE THEY CLAIMED TO HAVE RECEIVED PERMISSION TO PULL MY CREDIT.
3. THE METHOD THEY CLAIMED THAT I AUTHORIZED THEM  TO PULL MY CREDIT.
PLEASE ALSO ATTACH DOCUMENTATION TO SUPPORT THE VERIFICATION OF THESE CLAIMS.
THANK YOU FOR YOUR PROMPT ASSISTANCE.
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 non-monetary relief
Consumer complaint received 2015-11-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was denied credit for a XXXX card and would like to request a free copy of my business credit report from Experian. I have attached a letter of denial from XXXX, which should entitle me to a free copy. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: FL
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:
I have submitted multiple disputes to Experian, regarding the XXXX XXXX  account listed on my credit report contain inaccurate information. The last dispute was submitted on XX/XX/XXXX. I will attach a copy of the letter with this complaint, in that dispute I advised that my Experian report upon auditing the creditor is reporting : 1. A status of 180 days past due, while on my XXXX they are reporting a status of 120 days past due. How can I be 180 days and 120 days past due? Why are they vastly different? I also advised that 2. The same creditor XXXX XXXX is also again reporting on my Experian report a balance of {$23000.00} while on my XXXX report shown below, they are reporting a balance of {$31000.00}. Why are they vastly different? 
I provide screenshots from both credit reports in my dispute letter. Today on XX/XX/XXXX I received notification from Experian that the account will " remain as the the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Per the FCRA not every credit report has to contain every account however if the account is reporting to more than one bureau then all information must be the same. Experian has once again disregard the plain black and white information provided that shows in plain site that the creditor is reporting different information to different bureaus. This is a violation of my FCRA rights. I also included in both letters that vehicle solution sold the vehicle since XXXX of XXXX and if my last payment was in XXXX of XXXX. How can the account still reflect a 180 days past due with Experian and 120 past due with XXXX. I will attach all information.

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 2016-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card
Issue: Privacy

Complaint:
My CapitalOne credit card was restricted and flagged for identity fraud. I sent in the required paperwork but did not want to send in a bill statement or a bank statement. I had my bank draft a letter with the information Capital One was requesting, but they say they could not accept it. Their policy would only accept a non-doctored bank statement. I could n't even cancel or end my card until this issue was resolved. I was forced to hand over personal information that went beyond verifying my identity. I do n't know how they were going to use it or what it would be used for or how the information would be protected. This is a corrupt policy and should be stopped. I hope that no one else has to hand over such sensitive information any more to CapitolOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Last year ( XXXX XXXX when I pulled and reviewed my Experian credit report I noticed that a new address had been added that I have never lived at. The address is in Georgia. I disputed the issue with Experian and was told by the representative that it would be removed. This year when I pulled and reviewed my Experian credit report I saw that the Georgia address was still there. I will attach copies of the pertinent sections of my Experian reports from XXXX, XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, FL XXXX XXXX, GA XXXX Experian Dispute Department XXXX, Texas XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX ( Experian ), XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is reporting incorrect negative information to Experian. There was XXXX semester where I was out of school due to a military ordered relocation. I contacted XXXX months before the move to inform them of my upcoming semester absence from school. I was told that I would not have any required payments unless I took more than XXXX consecutive semester off from school. I promptly registered and attended the next semester of school, and I did not think there was any issue. Upon checking my credit report, I noticed that XXXX was reporting late payments for that period. I disputed the item and it came back as " valid ''. I contacted XXXX directly and was told to write a handwritten statement and mail it via USPS, which I did. XXXX sent a letter back that the negative credit information was valid and they would not remove it from the credit report. I again attempted to dispute the item with Experian and it was again found " valid. I do not feel this is in any way fair, I was told that I was not required to make payments for that period and did not receive any notification indicating otherwise. The representative I spoke with apparently had no idea what she was talking about, and should have placed me in a " deferment '' status, rather than telling me that I wouldnt owe any payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: PNC Bank N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went in to open a Business Bank account. I refuse to give my Social Security Number. Rep refused to open Bank account, I was told it was the law to give my SSN. I told them it is not required by Law. I had my passport and EIN to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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:
Default and Opportunity to Cure Template To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit XXXX which will be constituting a dispute. 
I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. 
pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). 
15 USC 6801 - Protection of nonpublic personal information. 
15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that USAA SAVINGGS BANK use against Consumers like myself. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I am attaching valid proof that your financial institution violated my consumer rights under the provisions of FCRA. I hereby grant USAA SAVINGS BANK, the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution USAA SAVINGS BANK, failed to respond to my request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions USAA SAVINGS BANK decide to ignore my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A unknown suspect has been using my identity. My name and social security without my permission. When I reviewed my credit report I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 

MEDICAL DEBT XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal.com. I have a balance of ~ {$400.00}. I am trying to have this balance sent to me as a paper check, and to close my Paypal account. 

The automated system to request a check returns an error, and tells me that there is a problem with the mailing address on my account. No paper check can be issued through the automated system. 

When I contact Paypal chat, they tell me there is NO problem with my mailing address. They state it is confirmed and verified, but they can't issue the paper check. When I ask why, the chat reps are unable to locate a reason why. 

I would like my ~ {$400.00} mailed to me as a paper check, and to close my Paypal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-14
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CREDIT COLLECTION SERV at XXXX XXXX XXXX XXXXMA XXXX has been sending me collection notices in the amount of {$99.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. The collection agencies in question have not removed the accounts from my credit report yet rest being damaged because of it. They informed me taht they would stop reporting the accounts but haven't.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't stop charges to bank account

Complaint:
I took out a loan from Check Smart/Buckeye Title in XXXX Arizona, well over a year ago if not maybe two.The loan was for {$500.00}. Every month I have went to pay my loan payment in person with cash.I always paid the minume or more. When i made my last payment XXXX XXXX, I noticed the reciet said that I still owed {$690.00}. I refused to make a payment on XXXX XXXX, because i feel this loan is paid in full and then some. Probably paid at least XXXX if not maybe XXXX times over. This morning i received a message from XXXX bank that my account is over drawn! Check Smart got into my bank account and drained it to now it 's over drawn! I have contacted XXXX to get this stopped. The bank is working on it, but i have NO money until this get 's resolved. This loan would NEVER get paid off with this out raggist interest!

Company response to consumer: Closed with explanation