BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-12
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My car company charged off my car loan because at the end of my loan I still owed money due to a few deferments during the loan. I contacted them to see if i could continue to pay my monthly payments until it was paid if full and I was told NO, I had to pay the balance in full. I could not afford it so they charged it off. I had a XXXX % payment history with my loan. I then talked to someone who said my car is out for repossession. My family gave me a loan and I made a XXXX XXXX payment of {$1800.00} which paid my loan in full. I still had late fees and interest fees of {$940.00} left. I called each week and had a new representative each time tell me someone would call me back. No one would ever help me after I paid the {$1800.00}. Finally I spoke to a guy that went over my option of a settlement for the remaining fees. I was told I would get a per-settlement offer via e-mail sent to me. It never came. I called and called and then finally I spoke to XXXX XXXX, she looked at my notes and apologized for getting no responses and the run around. she said that guy who made the settlement terms with me was no longer with them. She then said all settlements in their company are placed on suspension and she would contact me once the suspension was released. A week later I got a call from XXXX and she said they accepted my settlement of {$650.00} and the other term was that they would delete the account from my credit. Today I received the per-settlement e-mail letter. It did not indicate the term of the account deletion from my credit so I responded to the e-mail asking someone to please contact me. After 4 hours and no call I called XXXX myself and explained that this term was left out and can they please revise the letter and re-send it to me so I can pay this right away. XXXX told me No, they ca n't change the letter, she said I need to pay and they will take care of that. I said I need this in writing. She then became mad and very rude to me saying she has went above and beyond to help me when in fact I was the one calling their company everyday with no responses. She said she has no access to e-mail when I asked her to send me a confirming e-mail of our terms since they ca n't change the letter, she said there is nothing she can do and to not call her again today ( that was my first time calling her today ). I am so upset, all I want to do is pay my settlement and have this removed from my credit so I can forget about them forever. They have zero customer service skills and do not care about their customers. I do not know what to do at this point. If I do not pay I will never receive my pink slip and they will continue to report missing payments to my credit like they did last month even though my car is paid in full and the remaining balance is just fees. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am a XXXX year veteran of XXXX XXXX. Can short sale banks be held responsible for pushing around buyers of short sale homes. My XXXX time buyers have diligently responded to Short Sale Bank for the last 7 months. After receiving the go ahead approval letter with my buyers spending money on inspections, appraisal, etc., Short Sale Bank wants their appraisal doc. to see if the value has gone up for the last 7 months while they ( bank ) negotiated the short sale. They have once again postponed settlement while they reevaluate the price. How can a bank, no one else, open sale price up after committing to a written contract price while they took their time completing the approval process. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : TBOM/ASPIRE XXXX Balance : {$220.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00}, XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00}, XXXX XXXX Balance : {$31.00}, XXXX XXXX  ( Original XXXX : XXXX XXXX ) XXXX Balance : {$240.00}, Inaccurate Personal Information : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX, MO 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 2020-04-14
Company: Capital Accounts, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/XXXX from a debt company named Capital Accounts stating I owed a debt to XXXX XXXX XXXX based in XXXX, AZ. 
I went the debt collector website to dispute but the website was not legit and did not do anything when I entered my info and the account number they provided. So, I went to the website for the company and the website http XXXX XXXX led to a vulgar website for XXXX girls . 

XXXX : XXXX? XXXX XXXX XXXX - XXXX & XXXX Nature Head Office Year established XXXX Activity ( XXXX ) Offices and Clinics of Chiropractors ( XXXX ) See the XXXX classification No employees ( address ) XXXX Employees No employees XXXX Employees Kompass ID? XXXX Company shows as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: SC
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:
date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/XXXX  is reporting {$21000.00} and Equifax is reporting {$4600.00}. if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: SCA Collections, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX & XXXX I contacted SCA Collection agencies with the request to provide supporting documentation to support their claim. 
In XXXX a complaint uploaded through CFPB - refer to dispute # XXXX-XXXX SCA COLLECTIONS, INC for comments.

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 2022-05-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
When checking my mail after a couple of weeks I received a debt card, statement, and a letter of overdraft for insufficient funds transferred online using an account opened in my name with my social security number. 
Bank : TD Bank Opened approximately : XX/XX/2022. 
Letter of overdraft sent : XX/XX/2022 Amount of : {$30.00} for posted items presented for payment on XX/XX/2022 at XXXX for a transfer to XXXX? 
I called TD Bank 's fraud department right away this morning, XX/XX/2022 at XXXX, and they closed the account. They are also sending it out to be investigated. 
They have stated that I have been a victim of identity theft and gave me the numbers for XXXX XXXX XXXX  the FTC, and Social Security to have my S.S # blocked. 
I have also called XXXX, after speaking with TD Bank, to have a lock on all three reporting agencies with extra security on anything that may hit my social security number again. This is good for 1 yr. 
When your office opens, I will be calling the Social Security number given to have my social locked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24
Company: Alliance One, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Alliance One was notified by the XXXX Clerk of Court of outstanding monies for non-payment of traffic citations I owed. These citations were removed from collections by a County Court Judge. The amount owed for the citations was lowered by 40 % and I was allowed to make payment thru the Clerk 's Office. Unfortunately, I was not aware of this when I made a payment of {$3400.00} to Alliance One via my bank credit card. Alliance One FAILED to verify the amount owe, took the {$3400.00} payment and applied it to SOME of the oustanding citations. Even with the 40 % collection fee, that they were no longer entitled to, this amount was {$2700.00}. I have spoken to numerous representatives and requested my money back. Indicated they failed to verify the monies owed, because if they had they would have known the traffic citations had been removed collections. Even so, they still took more money than required and did not apply the payments. There is an overpayment of {$620.00} that they refuse to return plus the 40 % collection fee they were NO LONGER ENTITLED TO. My attorney called Alliance One to discuss the matter and their position : Write a letter to a XXXX XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To : Navient Customer Care Department Case # : XXXX The nature of this corresondence is to inform Navient of errors and greivances that has caused me severe hardship on my consumer report, i'm speaking of the Closed Navient accounts. Now I had Navient customer care department perform a reinvestigation spear-headed by the CFPB in regards to four bank statements that I made between XXXX. 

The results of the investigation was that they couldn't verify my payments without contacting my bank. And i'm going to show you that in accordance with cosumer law I am not obligated to disclose my personal banking information. 

You furnished a letter ( attached to this document ) in which you were not able to verify my payments after your reinvestigation, and because you couldn't verify the payments the reinvestigation was considered incomplete. You must delete the accounts or put in a delete account request to XXXX and XXXX because you are the furnisher, otherwise you have violated a consumer law which I will show you down below. 


This will be a notorized document and this will be the final notice to request These Closed Navient accounts ( 5 with XXXX and 2 with XXXX ) to be DELETED from the consumer file. If these accounts are not DELETED a lawsuite will be filed against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage loan with Ocwen. I experience some financial hardship and fell behind on my payments. During this time I was put on forbearance and subject to late fees and penalties. Example : I was charged {$1500.00} for XXXX sale deposit and this was unfair because it never went to XXXX sale because I paid the money. I was also charged a {$820.00} Motion to Relief fee which was unfair. Also, when I became current they charged BPO fees and certified mail fees. In XXXX they only applied payments made to interest and late fees none towards principal. I should not have been charged these fees because my loan was current during this time which was XXXX. I would like to receive an reconciliation statement of all my payments. Your assistance in this matter is greatly matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Went to a new Chase Branch in XXXX CA on XXXX XXXX XXXX, was greeted by the branch manager, was trying to deposit a cashiers check in my business account and was told because it was addressed to me personally that I was not allowed to sign the check over to my business which I have done over a 1000 times with every other representative at chase over the last 7 years I 've had this account. I asked if she can ask a supervisor and she said she was the supervisor and that she will NOT be depositing this check into my business account. I felt I was being discriminated against based off how she was responding to me and how unprofessional she was behaving on a simple request. 3 business days later, the completely closed my business account and no one at chase would give me any reason as to why. I have been with them for 7 years with zero disputes or issues and my account has always been in good standing. this was strictly done in spite because the manager was discriminating against me and had no justification for treating me this way and ultimately banning me from this institution. I will fight this until justice is served.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Mr. Cooper Group 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:
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts nor did I authorize all of these companies to pull 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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXXXXXX 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 2022-05-13
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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$220.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00}XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$110.00}, XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00}, XXXX XXXXXXXX Balance : {$31.00}, XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$240.00}, Inaccurate Personal Information : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Both my bank and myself have tried to get these XXXX  to correct my balance to XXXX. They don't seem to understand that my original loan was incorrectly input into the system so the bank changed its status and re-reported it. They closed the incorrect loan and reported it as a collateralized loan but I then paid off the entire loan on XX/XX/XXXX. I have spoken many time with both Equifax and XXXX and they can't figure out their XXXX from deep center field. I have even sent them legal documents from XXXX showing the loan to be paid in full on XX/XX/XXXX, ( not to be confused with the original loan paid off in XXXX ). There should be 2 loans for the same amount, both paid in full. One loan paid off in XX/XX/XXXX and the other paid off on XX/XX/XXXX reported XX/XX/XXXX. I am going to attach the paperwork sent to the credit bureau and to me. It is the loan being released and paid from the State of AL to XXXX XXXX head of the loan XXXX XXXX XXXX Bank. At this point I am going to obtain legal counsel and then they will be paying for my legal bills. I am trying to refinance my house on a lower APR and they are causing me harm and if my rate goes up because they will not remove the inaccurate information, then my only option is to sue for the difference in my APR over the life of the loan. It seems both XXXX and XXXX have educated people working for them, instead of XXXX. I don't understand why they can't figure this out. It is simple and it has been a problem since my update. They also did not update my information for 2 months, which is inexcusable. They need to hire more highly skilled people instead of people that didn't graduate High School.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have an outstanding debt from : XXXX XXXX for {$13000.00}. It appeared on/around XX/XX/2018. 

I have no knowledge of this debt. Ive requested to have this removed from my name with no response.

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 2015-09-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan is currently serviced by Ocwen Loan Servicing. Ocwen Loan Servicing has failed and refused to act on my request for reinstatement and payoff quotes. The request was made to Ocwen Loan Servicing and to their Attorney on XXXX XXXX, 2015. I tried to make contact with Ocwen Loan Servicing numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Ocwen Loan Servicing advised me to contact their law firm XXXXThat law firm can not talk to a represented client. So the bank advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. This is just another example of Ocwen Loan Servicing stonewalling and not complying with the national mortgage settlement. 

My loan number is XXXX state of Florida , County of XXXX XXXX case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This is an Amendment to Complaint # XXXX. 

Since CFP will be forwarding documents to Wells Fargo, I will not be sending them separately UNLESS they request the documents. I've already spent ALL WEEKEND going through my records, scanning documents, and now filing an Amendment to my original complaint.

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