BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts from 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 explanation
Consumer complaint received 2015-10-09
Company: Paypal Holdings, Inc
State: NV
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I made a {$4.00} purchase on eBay and the seller requested payment via PayPal. I have had a PayPal account that was a direct pass-through to my XXXX XXXX XXXX XXXX card for XXXX+ years, but rarely used it. When I made the payment PayPal opened up an unrequested, unauthorized and unnecessary credit account, and also contacted XXXX and possibly other credit reporting companies on XXXX XXXX, 2015. This had negatively impacted my credit rating. 

PLEASE PUT A STOP TO SUCH CONDUCT, FOR THIS IS NOT THE FIRST TIME PAYPAL HAS ENGAGED IN THIS OR SIMILAR CONDUCT!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Paypal Holdings, Inc
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had an account with Paypal for years and because of their service I have occurred XXXX in bank fees. This is because of Paypal 's Instant Transfer policy that customers are forced into by providing a bank account number. I have been given paypal credit and their method of increasing credit is through purchases, however in this very process of seeing whether one can receive a credit increase if it is denied without your knowledge your bank account will be charged through their Instant Transfer policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I never seen these credit cards. XXXX. I never checked my credit because I Have n't tried to use any credit cards, I never wanted any. Everything I have is from cash. Now that I may need to use my credit I find Things I never seen before, this may be Identity theft. I do n't know how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX charged me unfairly for using phone call oversea And I know XXXX XXXX XXXX was ordered by FTC to pay over XXXX for overcharging their customers. 
please read my attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-08
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX, upon reviewing my credit report ( s ), I was alerted that Enhanced Recovery Corporation had reported erroneous and negative information. I immediately sent a letter on XX/XX/XXXX requesting proof of debt under Fair Debt Collection Practices Act, 15 USC 1692g, Section 80b Validating Debts to include how the alleged amount was arrived at. After no response a month later, I sent another letter on XX/XX/XXXX and again XX/XX/XXXX. In that timeframe I disputed with the CRA 's to include XXXX, XXXX and XXXX. They returned with Enhanced Recovery confirmed alleged debt. That is impossible as they have neglected my direct requests for nearly 3 months. Finally on XX/XX/XXXX, I once again sent the request to Enhanced Recovery along with all the previous letters I sent. To this day, the erroneous and negative reporting continues to damage my credit. This is in direct violation of FDCPA and by Enhanced Recovery to continue reporting monthly is a form of collection activity which is not in compliance with FDCPA laws and they are once again in direct violation of those laws set forth to protect the consumer. I have exhausted my time and attempts to request they comply with law. It is now 8 months later and for 8 months they have continued to damage my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-03-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the past 3 years Wells Fargo Home Mortgage has failed to pay real estate taxes from my escrow, resulting in past due tax fees. The first year I was traveling on business for several months and came home to multiple overdue notices. I paid all the taxes out of pocket along with the late fees, and had to wait until the end of the year for the escrow account to reimburse me the yearly escrow balance. The second year I called Wells Fargo after the taxes went un-paid. They paid the taxes from my escrow, and they paid for the late fees. The third year I called 2 months before the taxes were due to let them know a tax bill was coming. I called 2 weeks before the payment was due to remind them again. The taxes were still paid late, resulting in a late fee of {$21.00} and they sent me a letter stating that the late fee would be coming out of my escrow.

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 2016-06-22
Company: Stevens Business Service, Inc.
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I called XXXX XXXX to try and make a payment, partial payment, and tried to see if a payment plan can be worked out. At the time I was working XXXX hours a week and had been out of work due to an XXXX, XXXX XXXX sent my debt to collections when I was trying to request a payment plan option. XXXX XXXX Stated it was too late, my account was closed and to pay through collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgaqe servicer, PennyMac, has not paid the property taxes on my home. These taxes are included in my mortgage, and they are now 5 months past due. XXXX XXXX will file a lien on the property. I have spoken to PennyMac on multiple occasions, but they have stull refused to pay the taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In the past few months I have discovered many concerning matters regarding my loan. The first issue being that Bank XXXX New York is not the actual holder of my loan nor has the loan ever been assigned to their company with any recorded or certified documents. I went to XXXX XXXX of records and was provided a certification of non-filing, meaning the document was never in fact filed. I even have an email directly from the president of Bank XXXX New York informing me the loan is not owned by them. I researched and was able to pull the assignment document and contacted the person who signed the assignment, XXXX XXXX, I asked him if that was his signature and he proceeded to inform me that he could not tell me if it was or if it was not his signature which raised alarms to me. Since discovering this information, I have contacted Ditech my servicer in attempts to help save my home. I provided all documentation they requested only to be told that I " do not meet the criteria '' for a loan modification with no detailed explanation nor alternatives to avoid foreclosure. I was never provided a single point of contact during that process and was constantly given the run around and treated unfairly. I am now facing an upcoming foreclosure and am unsure who my lender really is at this point and am beginning to become concerned about losing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have for 12 years or longer, have taken every course available to me, to try and FIX what is WRONG with this account. I have used XXXX. ( on two separate occasions ) who was not able to get any positive results for me. I tried and was approved twice for the H.O.P.E. Program. How, this one failed, is that the LENDER and all other entities who are involved on my deed, do not participate in the GOVERNMENT PROGRAM. Now, how is that FAIR, for the people who are still loosing their homes to nothing but FRAUD 'S. Next, my CHAPTER XXXX, and what happened here is CRIMINAL. I have all the ORIGINAL DOCUMENTS. The actual Complaint is : J.P. MORGAN / CHASE, can not prove what happened to my payments, and I am  going to say this, every time they send me a NEW ACCOUNT HISTORY, it's only gets worse. I am sending you documents that show the ending balance of the principle, when Mortgage It, sold the loan after two years. When J.P. MORGAN / CHASE purchased the loan, they show the beginning balance of {$120000.00}. When actually it was, {$120000.00}. That's FRAUD. This is the 2nd request for J.P. MORGAN / CHASE via a C.F.P.B. Complaint, to show the Chapter XXXX payments coming in and being applied to my loan. Now, this is important. On the last complaint, I was speaking to XXXX XXXX from CHASE. This is a true quote of what was said. XXXX was speaking to me only about the Chapter XXXX payments. I advised XXXX that not only was Chapter XXXX missing that almost all my payments were gone. They put them into SUSPENSE from what I can tell they got gone. XXXX said he was going to follow-up with these documents ( accounting history ) and I said I already got them and have gone through them and I don't see any payments. I then said to XXXX, I would suggest that you do them same. XXXX said, I did, and I said well, did you see any payments, XXXX said NO. He admitted that there was no record of the Chapter XXXX payments and wanted ME to help him by faxing my documents of proof over to him. Sounds Fraudulent to me.NOT SURPRISING. So, I advised XXXX how the payments were made via, GARNISHMENT, through my company every single week {$360.00}. I told XXXX that he would have to contact the TRUSTEE. Please take time to look at the pages numbered 1-5. The In-House modification called " CHAMP '', Chase added in {$39000.00}, when I asked in an earlier complaint, I was advised fees due to the Lender, no proof of these. On page 5, of Chase 's answer of the last complaint. Chase indicates that those fee totals, are {$12000.00}. I have originals showing Chase charging my account XXXX, many many times as a CORPORATE ADVANCE, I believe is what the description of the charge. There is so much FRAUD, I can not believe that someone is not helping me at all on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
I applied for credit and received a letter stating that my credit bureau indicates I was deceased. I called both the credit reporting agency and the card company but no one could tell me why the bureau said I was deceased, and Kohl 's could not tell me anything about the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: BANK OF THE WEST
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Bank of the west financed my boat for fifteen years during the first five years at XXXX XXXX they had a promotion to extend a payment for fifteen dollars I took advantage of this for five years .I paid off the loan including the five extra payments, then, I was told I still owed XXXX more for interest on those promotions.i complained but to no avail so I continued to make three more payments before I found out they reported my loan a write off to the credit bureau.I turned this over to a law firm they are writing a letter stating deseptive trade.the law firm advised me to turn this in to you .please advise me of what else I can do to get my titles on the boat and motor and clear 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 2015-11-18
Company: Coastline Financial Resources, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A company called XXXX at XXXX called my employer and relative stating that I had to call within an hour and referance # XXXX because I was being served a summons. I called the number and when They told me that I had an outstanding balance, I asked them to validate the debt, and they could not. They continue to call my employer AFTER I asked them not to. They do not contact me directly. They keep calling my employer and relatives.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Synchrony bank- for Walmart- I reported on XXXX XXXX to their fraud dept that I did Not apply for a Walmart credit card. They gave me a claims number and recommended that I review their website for reporting identity theft. On XXXX XXXX I am getting another synchrony bank email asking about my application. Obviously their fraud dept Is inept, has been hacked or a fraud itself.

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 2016-12-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My interest rate is 5.875 and my balance is {$380000.00}. My payment should be {$2200.00}. They are charging me {$2900.00} per month. I called my mortgage company and they can not explain, I have to request explanation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This complaint is in reference to a Macy 's account that has been charged off several years ago and for which I received a XXXX for the balance. The account has been disputed several times with the credit bureaus for the inaccurate way its being reported. The account currently shows a balanced owed and late status which is inaccurate. Please address the correction of this account for I have done so with 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 2017-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been on an income contingent repayment plan for the last several years, through Navient. XX/XX/XXXX, I applied for XXXX and was told my loans would need to be consolidated for this to occur and that during this process my loans would need to be put into deferment/forbearance for XX/XX/XXXX & XX/XX/XXXX. I asked at that point what my estimated repayment would be and was told they could not tell me. Also, I explicitly asked if my student loans would be accruing interest during this time as I owe more than XXXX and would like to keep the principal down by paying the interest. I was informed that my loans would NOT accrue interest and that the REPAY process would be completed in XX/XX/XXXX. To date my loans have accrued an additional {$2000.00} in interest and today when trying to find information on their website I discovered my new payment will be nearly double what my previous payment amount! It appears that they have set my loans to not be repaid until XX/XX/XXXX meaning that I am currently I am unable to do anything with my loans, including choosing a repayment plan that I am able to afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have {$4400.00} or so on my Student Loan, But that total has not really went down Since XXXX When I checked back with XXXX XXXX Back in XXXX how long it would take to pay of the money at that time was {$5600.00} so I started to pay on the loan {$73.00} a month and have been paying every month it now XXXX and this amount it is now {$4400.00} how in the world does that work, so over the past from ( 9 ) years all that I paid in principal is {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
synchrony bank-account # XXXX after negotiating a settlement and sending a money order they informed me that the debt is past the statute of limitations and they wont give me my money back or remove it from my credit report I paid them {$490.00} they want update it to say paid in full or nothing how can I get my money back? synchrony bank. XXXX XXXX XXXX, fl XXXX I talk to XXXX & XXXX XXXX/XXXX/15 on around XXXX cst ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02
Company: The CBE Group, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This phone number calls my work phone several times a day, early in the morning and late at night. If I pick up no body talks, it is suppose to be a debt collecting agency and I do n't understand how they can be calling to collect a debt if the phone number is associated with a corporate account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: Cascade Collections, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I contacted a collection agency that has posted an active collection on my credit report indicating that i do not owe a debt to this collection agency and to remove the collection or provide documents that indicate I owe the debt to them. They replied with a letter about my residence at the time of the original debt and included copies of statements of prior debt to original creditor. No opportunity to dispute and no documents that they have a right to the account or that I ever signed an agreement that I would owe this collection agency in the event of default of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-26
Company: Horizon Lending services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We are working with a Mortgage Broker, Horizon Lending Services LLC NMLs # XXXX, that has changed the terms of our loan the business day before we were to close. I will attach later the email chain in which we are told that we are locked as well as the GFE that shows an increase in the points they want us to pay. Because this is so last minute, we stand to lose a deposit of {$21000.00}. I asked several times for a GFE, and now realize the reason she sent the information in a different format was just so she could change it at the last minute and expect us to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Refinanced in 2013, and another mortgage co.bought that mortgage contract. They raised my monthly payment from? XXXX a mo. To {$1600.00} a mo..they say I was behind in my escrow. Never missed a payment and had to pay XXXX months of escrow when I refinanced.they said if I payed the extra {$160.00} a mo. For XXXX months, it would go back to {$1400.00} a month. Now I 'm paying {$1500.00} a month and I want the money back. I also want them to honor the original contract and make my payment {$1400.00} again.

Company response to consumer: Closed with explanation