BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: Bread Financial Holdings, Inc.
State: FL
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:
I opened an XXXX XXXX XXXX account through Comenity Capital in XXXX 2016. Their practices seem to be highly unethical. For example, if the account is used for a restaurant or hotel or other service that submits for pre-authorization, Comenity puts through the final charge and also holds the original pre-authorization amount for 10 days. Effectively this is a duplicate charge to the account that renders what should be available funds as unavailable. I addition, Comenity does not accurately report account balances to the credit bureaus. I have both a XXXX & XXXX XXXX credit card that are handled by Comenity. I recently paid down my outstanding balances to improve my credit score as I intended to purchase a car that required a loan. In stead of my credit score improving, it actually decreased as Comenity failed to report the payments made to reduce my balance significantly and has n't done so to date. I also paid off the entire balance for the XXXX account only to be charged an additional {$15.00} interest charge after the fact. How is this legal? Following is their response to my quesry about the charge- Thank you for your recent inquiry to our Customer Care Department .
Comenity Capital Bank issues your account and responds to all credit related inquiries. This card is issued by Comenity Capital Bank pursuant to a license by XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX.
I apologize for any confusion this has caused. On your previous statement, you were informed of an update to your Credit Card Agreement for your account. This notification was to inform you that beginning on your next statement, purchases made outside a Grace Period would be assessed trailing interest resulting in a finance charge after the balance is paid in full. A Grace Period is a period in time in which credit extended can be repaid without a finance charge being assessed.
Interest is charged from the transaction date until the balance is paid in full. Since interest is calculating until the date the payment is received, you will receive a statement for the interest charged in the previous billing cycle. If you pay the trailing interest finance charge statement by the due date, you will not be assessed finance charges during that bill cycle the following month as long as no additional purchases are made.
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button.
Sincerely, I. XXXX  Internet Customer Care Team I appreciate your help, Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen mortgage service is a dishonest business. On there website they have an area where you put you account number and routing number in to make your payment there was n't a save information area to store you account number. So on three different occasions they said I did n't type my account number in right. I took a picture of the account number on the last two times I typed my account number and sent them the picture that it was typed in right. They refused to admit they did something shady on there end to change the number. Each time my payment was n't submitted they charge me a total of {$75.00} in late fees and now I can no longer use there service. I was told i have to use XXXX XXXX to pay them. My loan was assumed by them when XXXX XXXX sold my loan to them. I 've had my loan for 11 years and I do n't owe that much more on the loan. Each time my payment was rejected I was sent an email saying I qualify for a harp refinance loan. There company is completely unethical and I want to tell everybody I know and every realtor my husband works for, to not use there business. Please investigate and shut these corrupt people down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. Section 1 states I have the right to privacy. 

15 U.S.C.1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions n accordance with the Fair Credit Reporting act XXXX. XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I have contacted TransUnion, XXXX as well as XXXX   with written notices notifying them of various inaccuracies they are reporting on my credit report. The first letter was sent out XX/XX/2020. The second report was sent XXXX, XXXX, 2020. The third dispute XX/XX/2020 and the last dispute was recently sent. Each dispute, I mentioned how each bureau is reporting different information for the XXXX account. From the type of account it is, to the dates reported, even the payment amount. However, each report comes back as verified. When Ive asked for documentation that deemed the account accurate, I havent received any.

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 2016-01-28
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/XXXX a foreclosure sale for the property was cancelled by a Magistrate in the XXXX XXXX in XXXX XXXX, Florida. Despite the Magistrate order for cancellation of the foreclosure sale, Ocwen took the property as theirs and the property was held as real estate owned ( XXXX ) by Ocwen on XXXX/XXXX/XXXX. There was no legal conveyance and therefore no legal transfer of legal title of property from XXXX person to another allowing Ocwen to legally take property as REO on XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX the Judge instructed me to contact Ocwen directly to resolve the matter as the bank had taken the property from me and I was not able to apply for a loan modification or to sell the property. After the hearing, Ocwen 's attorney gave me additional contact information for XXXX XXXX, Loss Mitigation Supervisor at XXXX XXXX, representing Ocwen. XXXX XXXX sent me an email on XXXX/XXXX/XXXX that the property was XXXX. This was before XXXX/XXXX/XXXX foreclosure sale date when Ocwen stated they " bought the property and took title. 
Ocwen refused to return the property to me and I was evicted on XXXX/XXXX/XXXX even thought they had wrongfully taken my property on XXXX/XXXX/XXXX against Court orders. The sale cancellation documents are attached to show that the sale was cancelled on XXXX/XXXX/XXXX. When I called Ocwen Customer Service on XXXX/XXXX/XXXX to get the balance of what I owed I was told that I no longer owned the property and the property was real estate owned by Ocwen 's company called XXXX and that the only thing I could do was to re-purchase the property from them. I called numerous times and there was absolutely nothing that I could have done because Ocwen refused to put the property back in my name since XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I requested for Ocwen to remove my escrow account effective XX/XX/XXXX ( or later - XX/XX/XXXX ). They denied my request based guidelines not relevant to me, a false home value report ( their records reflect {$60000.00}. home value ) ; falsely accused that I failed to put request in 25 days before they send an escrow payment and stated that my account must be 12 months current. I advised them continuously my income dropped greatly due to XXXX since XX/XX/XXXX and I need to lower my monthly payments to avoid further fees and foreclosure by removing the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Red Cedar Associates LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I got a phone call to my number from a lady and she left a voicemail. I was told that my name and social security number was placed on her desk and a claim was filed against me and that I needed to go to her office and sign some paperwork. She never told me what company she worked for or anything. I called the number and XXXX XXXX ext : XXXX picked up the phone I gave him all my information and he told me that he was from Red Cedar Associated and that someone was trying to sue me for money owed and that I needed to pay it up from and I could n't make any payments. If I did n't pay him up front then they will file a judgement against me. I told him to send me a bill and he said he will send a notice statement to my email address. I asked him if he had anything from the original loaner, and he said no just that it came from XXXX in Arizona. I said fine just email me what you have. He told me that once I reviewed the email to call as soon as possible because they this is very urgent and I could be in big trouble. So once I got the paper in the email I looked it over and gave him a call back. A man by the name of XXXX XXXX Ext : XXXX answered the phone, I asked to speak with XXXX XXXX he said he was unavailable but he could help me. I told him if I could make a payment plan to pay and he kept telling me no that I would have to pay the whole amount. I told him I wanted to send payment using a cashiers check and he told me no they would not accept it due to the severity of the loan. So I went on their website and t states that they accept money orders, money grams, debt, credit and checks by mail and over the phone. I told him this then he told me to hold. He placed XXXX XXXX on the phone, XXXX XXXX started to bully me and told me I had to use a debit, credit or prepaid card and nothing else. I told him I needed to track my payment. He then told me he needed to get his director on the phone. Then placed XXXX XXXX on. I asked for their director and XXXX XXXX said he was the director. I told them I need to be able to make payments in small sums every week using a cashiers check. He told me no I ca n't do that and if I sent a cashiers check that they would just send it back to me. Then my spouse got on the phone and told him the same thing I was saying then said I was pregnant and can not pay a large sum and I had to use a cashier check to track my payment. Then placed me back in the phone. XXXX XXXX then told me not to worry that I can send a cashiers check for any amount. I asked if they sent invoices letting me know they received payment he told me no just call over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX, XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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

Company 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 2022-09-16
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This complaint is regarding EdFinancial student loan processing. 

On XX/XX/XXXX I called them to request a refund for payments I made since the Pandemic pause was initiated on XX/XX/XXXX, which I am permitted to do as part of the Student Loan forgiveness. 

When I called EdFinancial, they were incredible deceptive about the timeline for any refund processing, whether it could even be processed, and what the amount would be. Despite their website saying they could access my payment history, the representative I spoke with was unable to even tell me how much I had paid since the Pandemic pause began ( though there was direct language on their website saying that, if I had any questions regarding how much I've paid, to call them and they could tell me ). He also could not tell me what form the refund would take, and even said it may take up to 7 months to process. 

I find this to be incredibly misleading and the timeline to be both deceptive and unacceptable. 

Because EdFinancial seems unable to track their own payment history, I have itemized my payments made on my student loans. 

Total : XXXX By date : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I am requesting the refund I am entitled to, back to the bank account I utilized to make the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Northland Group Inc
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Due to XXXX XXXX action. This Debt Collector Company Northland Group started to make a collection activity on account I have with XXXX XXXX Credit Card as in the letter shows I 'm disputing the letter sent on XXXX XXXX because is not the actual balance I owe to XXXX XXXX credit card. Further more I 'm requesting thru this Inquired to provided the transactions took place on this account and how they get to {$470.00}. 
Please explain me the following : * What the money you say I owe is for. 
*Explain and show me how you calculated what you say I owe. 
*Provide me with copies of any papers that show I agreed to pay what you say I owe. 
*Provide a verification of validity of the debt ( per statue of limitations ) or provide me a copy of any judgment ( If applicable ). 
*Provide with the name address and reference number of any other collection company or collector that this matter has been assigned to. 
Be advised that im fully aware of my rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 
I would like the CFPB request this collector agency the items above I request to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08
Company: Cooper Hoffman Klein Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This Company called my house phone 3 times, they left a recorded message on answering machine, then a lady called ( from XXXX ) and asked for a XXXX XXXX and I told her she had the wrong number and no one by that name lived here and that we had this phone number for over 8 years and not to call again. About 3 hours later we get a recorded message ( from XXXX ) saying we needed to contact because we had been sued and would be arrested if we didnt contact them to setup payment. I hit XXXX to talk to someone and a guy answered and I told him that they called earlier and I told them they had the wrong number and not to call my home again. I asked them their address and they gave me XXXX XXXX XXXX XXXX Texas XXXX, but that XXXX belongs to XXXX and they said they called them about using there address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company ( Ocwen Loan Servicing ) claims to be reporting my mortgage payments to XXXX XXXX, but XXXX XXXX states they have no record of my account. I have disputed this with XXXX XXXX and have been informed that there is nothing they can do because Ocwen is not reporting my account information to them. Ocwen has sent me a letter stating they are reporting me to XXXX credit bureas, including XXXX XXXX, although XXXX XXXX states they have no record of my account number. I have forwarded this letter to XXXX XXXX and they still insist there is nothing they can do because Ocwen is not reporting me regardless of what Ocwen 's letter states. My wife and I have spent hours going back and forth between Ocwen and XXXX XXXX and are getting nowhere. As a result, our XXXX XXXX report shows no record of mortgage payments causing us a great deal of difficulty with our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
on XX/XX/2016 I filed a complaint of the mortgage company adding additional charges to my loan with no explanation. Because of CFPB they finally got it all corrected on XX/XX/XXXX statement. So on XXXX I go to the web site to make my payment and the web site will only let me make the minimum payment again and not the fully amoritized payment so I add the additional amount. Now again on XX/XX/XXXX statement they have started again charging me fees with no explaination. When is this going to STOP!!!!! I just want to make my payment correctly, on time, and have them credited correctly!! WHAT A CONCEPT!!!

Company response to consumer: Closed
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.Your failure to positively verify these accounts has hurt my ability to obtain 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 2017-04-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax is reporting old information in which according to FCRA are old accounts and they can be removed from my credit file. I requested via fax again for the removal of the old creditors and the old accounts have n't been removed. These are the following accounts in which I am asking to be removed from my credit file.     Account   XXXX   XXXX    XXXX  I am no longer liable for this account.     Account  XXXX   XXXX  I am no longer liable for this account.     Account  XXXX   XXXX   XXXX  I am no longer liable for this account.     Account   XXXX   XXXX   XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is the servicer for my XXXX  loans incurred through graduate and medical education at XXXX University and XXXX University XXXX XXXX XXXX between XXXX and XXXX. I consolidated these loans in XXXX and they went into formal repayment in XXXX on a XXXX  year plan. I pay this loan on time and have never missed or had a late payment.

Navient has declined to offer me the Federal COVID interest deferment that started in XXXX, stating that, although these were originally Federal student loans, they have no obligation to honor the Federal interest deferment. I am lodging a formal complaint regarding this as undue burden and contrary to the intent of the CARES Act for Federal COVID relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I got a call from my father a few weeks ago about this collection agency trying collect a debt from me that was 10+ years old. They told my father what I owed on the debt and that I was in trouble.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On some of our mortgage payments only half was applied to our loan and some payments were not applied at all. Due to this we went into foreclosure and now we are being charged with more than {$120000.00} XXXX + XXXX in fees. In addition, last year we were approved for a loan modification, after requesting one for 4 years. We did not agree with the additional {$120000.00} XXXX + XXXX that was on the modification so we contacted Ocwen and stated our concerns. We had been making our monthly payments per the trial period but in XX/XX/XXXX of last year, 2014, we were NOT allowed to make any additional payments until the loan modification agreement was submitted. We then submitted the agreement along with a letter disagreeing on the amount Ocwen stated we owed. We then were charged with an additional {$4600.00} in fees again. We have contacted Ocwen several times regarding our concerns and Ocwen stated that we needed to show proof that partial payments were applied and/or not applied at all. We then submitted copies of our bank statements and even mortgage statements showing payments made to our then mortgage lender. Ocwen then stated that they were not the mortgage lender at that time so they could not do anything about it.

Company response to consumer: Closed