BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a XXXX woman XXXX XXXX on XXXX XXXX doing business as a XXXX XXXX in NY state. On XX/XX/2020 It was requested from XXXX XXXX a price quote from XXXX XXXX for XXXXXXXX per case quantity. I received a quote # XXXX with pricing and availability. On the price quote paperwork the product was to be shipped to the XXXX  DEP in XXXX, NY. On XX/XX/XXXX I received a invoice from XXXX and immediately saw a charge of 3 times the amount of the order placed. Upon calling XXXX company I was told I could only speak with the owner who was on vacation. During this entire week the only communication was an emailed me to saying invoice and product delivered was accurate. On XX/XX/XXXX on behalf of the XXXX-DEP I returned the cases of XXXX via XXXX. Since that time I have been trying to recover my refund on the credit card thru Chase Bank. They have been unhelpful stating XXXX company states they no not accept returns and also stated XXXX is also a chase merchant and it is a conflict. I was also told too much time has passed and they can not force XXXX to refund my money. I have been in constant back and forth since this has happened on XX/XX/XXXX. At no time did XXXX state a no return policy to me in writing or verbally. I have documents to support my claim. XXXX received the return of lubricators and want to keep the money I paid as well. This is unfair and unreasonable. They received their product back and the money that was originally paid. I was overcharged for a product by over sending the amount ordered. The XXXX-DEP would not accept this error. The buyer at the DEP-XXXX  water treatment plant asked me to pick up and return. The order was refused and the DEP omitted the payment on purchase order to XXXX XXXX XXXX. 
I did not get paid on this order but paid to have this order sent and returned and now told chase can not help with this dispute. 

Please help me resolve this issue. I have attached the dispute paperwork for your review. 
I do appreciate you attention on this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The amount was {$760.00} on XX/XX/2020 ... .I am a customer who recently open up a checking and savings account with my stimulus check my account is overdraft and on hold through your bank from a merchant ... this action seemed to be wrong because the bank did not inform me prior to putting ahold on my checking account ( even though they don't have to ) ... it was my stimulus check ... I opened up my account in California but the creditors were in Virginia ... I feel that there should have been some support for me for being a new customer and it being my stimulus check protected by the government

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 2020-04-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian lost lot of my credit data/account information/payment history, which cause my credit score very low. On comparison of three credit bureaus, I have XXXX open accounts on XXXX  and XXXX, but they are not shown on Experian report. In 2016, my credit report of Experian is normal, it had highest score among three credit bureaus. I called my banks, XXXX XXXX, XXXX XXXX ..., they said they send payment information to all three credit bureaus, including Experian every month. But my current account information are not shown on Experian 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 2016-10-21
Company: CITIBANK, N.A.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citibank checking account ( Account number : XXXX ) and deposited {$15000.00} on XX/XX/2016. According to the promotion, this newly opened checking account with {$15000.00} balance is eligible for {$400.00} cash bonus after 30 days. I also received new account welcome package and debt card on XX/XX/2016. However, on XX/XX/2016, I received a letter from Citibank declaring that Citibank closed my account on XX/XX/2016. The notification did n't go with a justified reason, and account balance {$15000.00} was also returned via check. 

I called Citibank customer service for a explanation, they failed to provide a reason. 
Citibank should not use my {$15000.00} for free for 30 days then closed my account to evade the obligation for paying {$400.00} cash bonus.

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: 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 Account # 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 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: Experian Information Solutions Inc.
State: TN
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:
An itemized bill does not suggest that the debt is real because anyone can send a bill and claim ownership.

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: Oklahoma Student Loan Authority
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I tried to dispute my feed with the college. The professor did not grade assignments until 3 days before grades were due for the semester. I had a confrontation with his wife during XXXX. It wasnt fair. I disagree ti pay for the tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was unemployed and had a hard time to pay my home loan XX/XX/XXXX and XX/XX/XXXX. Based on this fact, I requested to refinance my home with OCWEN Home Loans ( loan # XXXX ), which was refused. Then they give me the option of a quick sale ( deed in lieu ), which I agreed ; however, after several months ( XXXX ), I had no answer from OCWEN, arguing that their legal department was analyzing the case. On XX/XX/XXXX I paid OCWEN a due amount of {$7200.00}. Immediately after, they charged me {$650.00} for fees/other charges, disclosed as follows : {$390.00} trustee fee, {$220.00} title report fee, {$19.00} statutory mailings, and {$13.00} of property inspection fee. I completely disagree with all these fees, caused by their lack of resolution to a deed in lieu procedure. I suspect they intentionally lack to agreed in the deed in lieu procedure, hoping that I fail to pay and they continue to a foreclosure. Please help. 
Respectfully, XXXX & XXXX XXXX. 
Ph. # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing this letter to file a complaint against Ocwen Loan Servicing LLC . The problem started when I was going through a divorce. I found out through Ocwen that My Ex husband was not making payments. I went on further with Ocwen to come to a agreement that I was told was going to help me become current. I was told to come up with a {$2000.00} down payment and to follow the payment plan. which I have done for about 18 months now. I was also told that my payment would not change. In XX/XX/XXXX I was diagnosed with XXXX and was hospitalized for 2 months. I was never notified by Ocwen that my monthly payment changed until I talked to my relationship manager XXXX XXXX in XX/XX/XXXX. I have payed extra monthly, which I later found out that the extra I have been paying Ocwen set aside and did not even apply to the back balance. Throughout this process I found out that Ocwen is also charging me for several modification applications and fees associated with that process. I have talked to my relationship manager monthly for over a year just to be told there is nothing they can do for me and I am further behind then when I started there agreement that is labeled Modification Forbearance Agreement. The only goal I wanted to achieve was to keep my house for my family and I feel they have done nothing to help this at all. Ocwen has been marking me as late/non payment on my credit even though I have been paying them on time for over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: TN
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:
NO RESPONSE OR COMPLIANCE FROM XXXX   XXXX, OR EXPERIAN SINCE DISPUTE SUBMITTED ON XX/XX/2020. This is my second written document that has been forwarded to these credit bureaus. Neither credit bureau has responded in ( 30 ) days. (  They should delete these items from my credit report. ) I filed a dispute with XXXX  XXXX, and EXPERIAN on XX/XX/2020 about fradulent, innaccuarate or unverifed items on my credit report. 

Name of negative accounts on XXXX XXXX & Experian listed below : 1. XXXX XXXX XXXX Unverified Account XXXX. XXXX  XXXX XXXX Unverified Account 3. XXXX XXXX  XXXX Unverified Account. 

Name of Experian negative inquiries listed below : 1.  Creditor : XXXX XXXX - Inquiry Date : XXXX - 2.  Creditor : XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XXXX 3. Creditor : XXXX XXXX XXXX - Inquiry Date :  XXXX. 

Name of XXXX negative inquiries listed below : 1. Creditor : XXXX XXXX XXXX - Inquiry Date :  XXXX 2. Creditor : XXXX XXXX - Inquiry Date :  XXXX - 3. Creditor : XXXX XXXX XXXX  - Inquiry Date :  XXXX. 

I advised XXXX  XXXX and Experian that the fradulent, innaccuarate or unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I advised XXXX XXXX and Experian that they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I made clear I am a litigious  consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted 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 explanation
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
transunion fail to rely to my disputes

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: Experian Information Solutions Inc.
State: NC
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 Reporting Act the companies listed below has violated my rights. 15 U.S.C 16.81 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 it also states a consumer report agency can not furnish a account without my written instructions. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # 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 2015-11-20
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage in XXXX of 2015. Ocwen Loan Servicing , LLC is the servicer of the new mortgage. Late in XXXX, I called Ocwen to inquire about my XXXX XXXX payment. I was informed by customer service that my first payment was due on XXXX XXXX and that I would receive a statement in early XXXX. 

Sure enough in XXXX XXXX, my first statement arrived stating that my payment was due on XXXX XXXX. 

Today, I called Ocwen because I noticed that my XXXX statement with XXXX due date included a past-due amount. I checked my account and both my XXXX and XXXX statements had been paid on time within the grace period. 

The customer service representative told me that in XXXX, Ocwen had realized a mistake on their end regarding my account and that I was supposed to have had a payment in XXXX. At that time, they re-applied by XXXX payment to the XXXX due date, and then applied my XXXX payment to the XXXX due date. All of this was done and no one ever contacted me until I received this bill. I am now being told that I am responsible for making my XXXX and XXXX payments within 30 days. 

Frankly, I am scared. I have always had good credit and paid my bills on time and now I am facing being reported to the credit bureaus, incurring late fees, etc. When I called Ocwen back in the summer, they did not have any sort of account set up for me, and I was told today by an " escalation specialist '' that they could not have received my payment at that time because my account had yet to be established. I was also told that statements in general are only a courtesy and that I could have just mailed my payment based on my mortgage refinance documents. When asked what would have happened to my check since I did not have an account setup at the time ( as told to me by their own representative ), she could not provide an answer. 

I am hoping that you can help me by holding financial companies accountable to billing their customers and setting up their accounts in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: First Associates Loan Servicing LLC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I began attending XXXX XXXX at age XXXX and began signing loan documents while I was still in high school. I have accumulated XXXX loans to both private institutions and the federal government totaling over {$50000.00}. I have an XXXX in XXXX XXXX which has not been accepted for transfer to any four year institution at which I have applied. Numerous law enforcement agencies have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I 'm following up on the complaint I originally submitted against Wells Fargo. When they purchased my loan, according to my legal/signed HUD agreement, they were to collect tax payments to pay my taxes. They did not, nor did they notify me that they were n't paying them. They now have paid my taxes and have now raised my mortgage payment to over double what I am paying now, which I can not afford! It was their fault - THEY did n't abide by my legal, signed HUD contract - they need to spread my tax payments out over several years so that it 's affordable for me!

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: 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX XXXX,, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Act. #, 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 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 2020-04-14
Company: LoanCare, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in response to the XX/XX/XXXX complaint that i submitted with the consumer protection bureau. The company is stating that we were late however the fees do not add up. We submitted paperwork around XXXX or XXXX of XXXX with the loss mitigation hardship department as we were having a financial hardship at that time due to XXXX having XXXX prior that year and missed several days from work. However we did not qualify for the hardship program, Several documents were submitted to this company. We were finally able to get the money from a family member to catch up our mortgage around XX/XX/XXXX. I spoke with a customer service rep from loancare before making our payment. The rep advised that he would waive the late charge that occurred in XX/XX/XXXX in return for us catching up on our mortgage. Obviously this was not completed as the company is still trying to say that we owe {$170.00} in late charges. But no one can explain to us how. When i called and complained about the late charges on our account around XX/XX/XXXX, The rep stated that he didnt know exactly what dates the late charges were for. However he waived the XX/XX/XXXX late charge as a courtesy for us. He advised me to email their research department to research the late charges on the account. 

If the company charges {$59.00} for a late charge. And we were promised that two late charges would be waived. How does that equal {$170.00}. Two lates charges waived equals {$110.00}. That means we should only owe {$59.00} for a late charge. This company is always sending documents however when you call them to explain the documents they cant explain to how they come up with the numbers. We would like our account credited the other late charge that was promised to us in XX/XX/XXXX for catching up on our mortgage.

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 2017-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Bank of America credit card was compromised and used to purchase over {$3500.00} worth of electronics equipment -- which was well beyond the credit limit of the card -- but Bank of America refuses to acknowledge that fraud occurred because they say the card 's security chip was read. I have requested and received copies of the receipts from the merchant -- a XXXX in XXXX and another one in XXXX XXXX -- and neither receipt has my signature on it. Furthermore, I can prove that I was not in either city when the fraudulent charges were made. However, Bank of America still continues to deny my fraud claim and is demanding that I pay the amounts charged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was late on my mortgage payments and decided to sell my property, however I have a XXXX tax lien hold that I have been trying to clear form IRS as a lien hold on my house, NOW that I have finally fixed the issue and have a buyer that will buy my house AS IS, the lender Wells Fargo is NOT being cooperative and taking too long for the process plus they have put me in FORECLOSURE status and NOT willing to extend my DUE date of XXXX XXXX 2016 ... On top of HOLIDAYS!!

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