BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-28
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing illegally reported me as deliquent or has lied to you about reporting me deliquent to hold hostage my insurance, they have violated my privacy under Gramm-Leach-Bliley by not safeguarding my private information, based under GLB Under the Safeguards Rule, financial institutions must protect the consumer information they collect. They are in clear violation and I intent to file a lawsuit and request a fine be imposed on them to the fullest extent of the law. They are also actively practicing unfair Deceptive and Abusive Acts in violation of 940 CMR 8.0

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: EQUIFAX, INC.
State: AR
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:
Its been over 9 months since I have been going back and forth with Equifax over several accounts, bankruptcies, reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Equifax but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX XXXX # XXXX, 2.XXXX XXXX  XXXX # XXXX , 3.XXXX XXXX XXXX # XXXX, 4 . XXXX XXXX # XXXX.There also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Equifax has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Equifax and will provide if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am currently XXXX, and a XXXX Veteran I have been taken advantage by my mortgage company Planet Lending and the realtors they are working with to force me into a short sale which has valued my home XXXX less than what it worth. On XX/XX/XXXX I received a threatening letter from the realtor ( see attached ) stating that my home would be foreclosed on that day if I did not go through with the short sale, furthermore the letter urged me to contact Planet Home Lending and they would not be mad at me. Operation Reach reviewed my documents and found out that Planet Home Lending was assigned the loan on XX/XX/XXXX, I received a denial letter for a loan modification dated XX/XX/XXXX. Planet Home lending filed a Declaration for a Notice of Default on XX/XX/XXXX, which is not 30 days for my appeal which is mandatory in the State of California. Planet Home Lending has violated the homeowners bill of rights and I believe that both the Realtor and Planet Home lending are working in concert to take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a Rooms To Go Synchrony Bank credit card that I obtained around 5-6 years ago. I have made two big purchases and paid off the items per terms. I went in yesterday to make another large purchase. The sales-rep asked for my license to ensure I still had an account. I said oh, I am certain I do. I log in to the website to pay a different card all the time and I see my Rooms To Go Synchrony Bank credit card still. It says I have an available limit of XXXX. She said, oh, we still need to check because they close them out all the time but do n't notify you or update their system. I thought to myself ... no way! That would be ridiculous. Well, sure enough. That 's what happened. They closed out the card without notifying me. I called to see if what the rep said was correct and Synchrony Bank verified that the card had been closed last year in XXXX. I was not notified and she said this was their normal practice. If the card is not used for a period of time, they simply close it out without any warning. I was very upset because this can have an impact on my credit score. It was one of my long standing credit limits and I did nothing for it to be closed. No one asked me if they could close it, notified me that they were or had my authorization to do so. I asked the rep to re-open the card. She stated she could not but I could simply reapply. Well, re-qualifying is n't a problem but I do not like the fact they will have to re-pull my credit ( causing a new inquiry ) and it will appear as a new credit line ( effecting my credit score ). I am very unhappy with the way this was handled. I chose their location to make my purchase because I already have a card with them -- and this is how they repay me? Very dissatisfied. I want my old account re-opened so I can make this purchase. If they can not, I will have to spend XXXX elsewhere.

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 2016-10-25
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Billing statement

Complaint:
Sam 's Club/Synchrony Bank is manipulating their statement dates and late fee dates to their benefit. For example : My statement dates for XXXX were XXXX ; however the next billing statement is n't till XXXX. This leaves a 7 day black hole. My minimum payment is XXXX. I pay XXXX every two weeks on auto pay. The latest payment fell after the late date but before the end of the statement date. XXXX. I was charged a late fee of XXXX. You would think that the payment would at least be applied to the next statement, but it fell within the 7 day black hole. Their late fee actually falls in the middle of their statement period which actually gives me only 24 days to pay. This is a scam, along with their other policy to move your credit limit down to a point where your interest charge makes you go over your new lowered available credit. AHHHHH!

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 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Its been over 9 months since I have been going back and forth with Transunion over several accounts, reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Transunion but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX XXXX XXXX XXXX XXXX, 2. XXXX XXXX # XXXX also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Transunion has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Transunion and will provide if necessary.

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 2015-04-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are several XXXX Accounts being reported in my credit file. These accounts do not belong to me. Each time that I disputed these accounts and proof that these accounts belong to me. I have not had any results from the credit agencies nor have I gotten any response from XXXX. I will like these accounts remove since they are playing a viable role in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. Additionally, Equifax has not responded within the 30-days per FCRA. 

ACCOUNTS XXXX XXXXXXXX XXXX XXXX never late XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I paid off the {$44.00} balance on my XXXX XXXX Credit Card on XXXX XXXX, 2022 and TransUnion docked me XXXX points on XX/XX/, 2022 which sank my score. I feel this is in error since XXXX points is such an extravagant about for paying my bill like I am required.

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 2019-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello I changed my payment account on my XXXX card credit card from XXXX ( I closed that ) to XXXX XXXX account. I did it with the online app. I have been a member with Capital One since XXXX, and my account was always on autopay. When adding in a new billing account ( XXXX XXXX  ) in XXXX using the online banking app there was never any prompt or message that my autopay was being discontinued. To my knowledge my new billing account ( XXXX XXXX ) would be auto drafted at the next billing cycle. This, however, did not occur. I was unaware that I was transitioned into manual pay, and furthermore unaware that my account became delinquent! I received an email on XX/XX/XXXX from Capital One that my account was 30 Days late. I immediately made a payment in the amount of {$350.00}, which is considerably more than the amount due. Today I received a new email from XXXX XXXX that my credit score decreased nearly 100 points due to a report made from Capital One that my account was 30 Days delinquent. I called Capital One this morning to resolve this issue. They told me the new account was not on autopay, it was my responsibility to make sure it was on autopay per the Terms and Conditions I agreed to in XXXX when I opened the account. Again, I was not aware when adding a new billing account that it dis-enrolled me from autopay, nor was I notified it would do so. I have been an account holder with Capital One since XXXX and have never had one late payment, nor any other late payments from any other financial institution. My credit report, until this blemish has been impeccable! I will absolutely make sure a late payment is not made on my account in the future, however I Kindly ask that Capital One retract or/and dispute the 30 Day Late report to credit bureaus. Further, I recommend making it clear on the app that clients need to update their autopay preferences when adding a new billing account to their account. Had the app instructed me to update my autopay preferences none of this would have been an issue!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
For the past several months, I have been in constant contact with Experian with regards to fraudently placed accounts on my file. I have sent multiple police reports, FTC reports, and military XXXX orders, however, these oulstanding accounts still exists. These accounts include XXXX ( amounts : {$6300.00}, $ {$25000.00}, {$29000.00}, {$20000.00}, {$38000.00}, {$63000.00}, {$47000.00}, {$2200.00}, {$2800.00}, {$34000.00}, {$2800.00}, {$2200.00}, {$2200.00}, {$2000.00}, ) XXXX XXXX ( {$130000.00} ) XXXX XXXX XXXX ( {$7300.00} ), XXXX ( {$59000.00} ) XXXX XXXX XXXX ( {$17000.00} ), XXXX ( {$16000.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I just got a response from my complaint and there is an addition {$1900.00} for a warranty on my contract, there was never talk that that would be added to my contract I never said I wanted it or asked for it. 

Know they are trying to repo my car and not own up to their mistake and continue to drag this issue out. I've reached out several times before and all they do is repeat and send the same false information to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or around XX/XX/2021, I was notified by my credit bureau that a 30 day late was reported to my mortgage account. I have this account on auto/pay and in review of the payment history on the mortgage website ( mrcooper.com ) it shows that my payment are PAID and not late for the month in question : XX/XX/2021. 

I tried calling the loan servicer, Mr. Cooper, several times and it seems like each time, I get a different answer. It seems like the representative did not have the authority to resolve the matter after verifying that indeed the account is paid on time. Then, they said they will report it correctly to the credit bureaus correctly. Another rep asked me to submit the proof of payment when we can both see that it's paid and posted onto their website. 

I would like Nationstar Mortgage LLC/ Mr. Cooper to fix this wrong and update to the credit bureaus correctly and not make me just through hoops and having to file this complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). 

ACCOUNTS XXXX XXXX XXXX XXXX-XXXXX inaccurate XXXX XXXX XXXX XXXX inaccurate US DEPARTMENT OF EDU XXXX inaccurate US DEPT OF EDUCATION XXXX never late XXXX  XXXX XXXX {$870.00} not mine XXXX XXXX {$870.00} not mine XXXX XXXX XXXX XXXX-XXXX {$420.00} not mine XXXX XXXX XXXX XXXX-XXXX {$660.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I received a letter in the mail from XXXX XXXX XXXX XXXX requesting payment of a {$250.00} debt. The original debt was from a XXXX/XXXX  XXXX XXXX account ( # XXXX ). XXXX XXXX XXXX was offering a settlement of 50 % of the balance ( {$120.00} ) to satisfy the debt. They instructed me to make the payment at XXXX XXXX XXXX On XX/XX/2021, I made a payment in the amount of {$120.00} at XXXX XXXX XXXX to satisfy the debt. On XX/XX/2021, I received a notice from Resurgent Capital Services/LVNV Funding that the payment was processed and posted to my account ( See attached proof of payment ). The debt is still listed on my credit report and is negatively impacting my credit score. Not only is the debt still listed, it is reported multiple times by XXXX/XXXX XXXX and RESURGENT/LVNV FUNDING with the same account number, and for the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A man by the name of XXXX XXXX from XXXX XXXX XXXX team called my brothers cell phone number and stated he was lookingfor XXXX XXXX saying I had wrote bad checks and I made good by paying these debits but those checks were returned to. XXXX ... XXXX XXXX XXXX to have the reputation by checking into this mysekf, this seems to be there tactic He's from XXXX XXXX and calls from XXXX This XXXX XXXX needs to be stopped. Truly false information to call my brother and state I wrote bad checks, this is more than a false statement false and is slander I need to go after these XXXX****** XXXX legally you need to help with that!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: PREFERRED CREDIT INC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My problems is with Preferred Credit, Inc Account # XXXX. I have always paid on time and more than the minimum payment. However, my bill has always indicated a past due amount in the upper right corner of the bill. I contacted the company at least three times and it was never address. Also, the balance is constantly more than the amount I do actually owe. I spoke with them about that too with no success in getting the matter resolved. 
I would greatly appreciate some oversight intervention from your agency on my behalf. Thanks in advance!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
FCPB XXXX # XXXX XXXX XXXX, Originator XXXX XXXX We had filed a report as outlined above. We need to understand what steps, if any, the CFPB will take regarding the issues that Wells Fargo has ignored in their response. 1. They did not address the refund of the appraisal fees for their incomplete appraisal and refusal to finish the open items on the appraisal. 2. They did not address the issue regarding disposition of our application. We feel it is unacceptable for Wells Fargo to deny an application that they had agreed to approve. We were the ones that withdrew our application. We expect a written response with the detail on our withdrawal of the application. It is apparent they are trying to punish us for not doing business with them. These are two open issues and we can not / will not accept this until it is cleared. 

We would also like to be added to any and all class action suits. If you can not help us with this issue, please direct us to an agency that can. We have filed a notice with XXXX  in XXXX XXXX, IA. Would you recommend that State 's Attorney General which is our next step. This will not go away. We expect attention to this issue.

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 2022-09-12
Company: National Credit Adjusters, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2022 a letter was sent stating that I were disputing the validity of the alleged debt by certified mail. Also, a notice to cease and desist letter was sent on XX/XX/2022. 

Re : Notice to Cease and Desist Account Number : XXXX Dear NCA , To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2022. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation

Company response to consumer: Closed with explanation