BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There was a delay with a start date with my new employer, and I notified XXXX XXXX that I could not make my XX/XX/XXXX payment. I spoke to XXXX and was given the option to be placed in the Temporary Payment Program, and I agreed to pay {$100.00} for six months. He told me, to make my 1st payment by XX/XX/XXXX to avoid delinquency being reported to the credit bureaus. I received notification that I was written 30 days and spoke to XXXX on XX/XX/XXXX and was told that XXXX 's information was incorrect. The program doesn't start until I make the initial payment, completed XX/XX/XXXX. XX/XX/XXXX I received the attached electronic letter and was okay with the terms until I received the additional letters about missed payments, account closures, and most recently being reported negatively to the credit bureaus for missed payments when I have not. I spoke to someone else recently, and he was very nasty and said the reporting is correct, which it is not. I have other creditors who placed me on a similar plan and have not reported me negatively as I have paid them upon our agreement, so I'm not sure about the issue with XXXX XXXX You have people who don't know what they are doing, and I demand this issue be fixed 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 non-monetary relief
Consumer complaint received 2022-01-02
Company: FISERV INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2022, my checking account with XXXX XXXX was hacked. Thankfully, I caught this within minutes. My local brach stopped payment on the few transactions that had been initiated fraudulently, and I lost no money. However, shortly thereafter I received a letter from " TRS Recovery Services '' claiming to be collecting a bill of {$130.00} on behalf of XXXX that they claim was unpaid when my account closed. 

I owe no such bill to XXXX. Worried that the hacker may have used my checking account info to pay for ( a rather expensive ) XXXX ride, I even contacted XXXX to ask if they hire outside companies to collect debts on their behalf. XXXX replied to me that they do not hire outside companies, or TRS specifically, for their debt collections. Furthermore, if the payment to XXXX had been declined, XXXX would not have accepted the ride request and there would have been no money lost ( which is to say, no debt to collect. ) When I went on the TRS website to object to the debt, their website required me to enter a large amount of personal data, including data that could itself lead to identity fraud. They also requested me to provide them with information about the debt that they claim to be collecting - information they should have if the debt were actually real. Needless to say, I did not complete that form. 

All of this leads me to think that TRS is itself a fraudulent company.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: TX
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:
It has been a battle going through this and I am writing to delete the following fraudulent items in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged to the following items listed below that are showing on my credit report. I therefore request that you immediately remove/ block these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Sent FOIA - XXXX, concerning a copy of check front and back bearing signatures on the check ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020, I was scheduled for several medical appointments with various providers by XXXX XXXX XXXX ( XXXX ) on behalf of the Veteran 's Administration ( VA ) for Compensation and Pension ( C & P ) exams to determine the validity of my XXXX claim with the VAXXXX One of these appointments was for x-rays at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX, who scheduled the exams, assured me that all appointment costs were covered, and they even reimbursed me for mileage to and from each appointment. 

When I attended the appointment, after the x-rays were completed, I talked to a receptionist at the front desk and told her that XXXX and the VA cover the appointment. Several weeks later I received a bill for this appointment totalling {$140.00}. At this time, I called the medical center directly and again told them to direct this bill towards XXXX. I then called XXXX directly and attempted to have them reach out to the medical office to take care of this debt. I received several more bills for this debt, and each time tried to get the medical center and XXXX to take care of it. It is now on my credit report as in collections, and I have disputed it to no avail with all three credit bureaus. 

The appointment was on XX/XX/2020 The appointment location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/21 I asked them to verify that accounts belonged to me. XX/XX/21 I asked again. XX/XX/21 I sent a letter letting them know that they have not responded and or asking how they verified accounts they claimed had been verified. XX/XX/21 I sent another letter letting them know it's also one specific account that I showed proof that the collection agency can not validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today ON XXXX XXXX 2020, I ATTEMPTED TO GET HELP ONCE AGAIN FROM PHH MORTGAGE. I SPOKE TO A MANAGER NAMED XXXX. I SPOKE TO HIM BECAUSE THE PERSON ASSIGNED TO ME NEVER CALLED ME BACK. 
THE PERSON WAS ASSIGNED TO ME AS A RESULT OF A COMPLAINT TO THE CFPB. 
THE MANAGER SOUNDED AND FELT AS IF HE WAS XXXX TO ME BASICALLY. HE SEEMED TO ALREADY HAVE A PARTICULAR MINDSET. I TOLD HIM MY ISSUES AND ONE OF THE ISSUES WAS THAT I WANTED THE INQUIRIES REMOVED FROM MY CREDIT REPORT. I REJECT THE FACT THAT MY CREDIT WAS PULLED 3 TIMES WITHIN TWO MONTHS.HE SAID THAT HE DOESN'T HAVE AUTHORITY. I SAID I KNOW THAT IT CAN BE DONE BECAUSE PHH REMOVED A DISPUTED ITEM FROM MY CREDIT BEFORE. HE THEN CHANGED HIS STORY AND SAID IT WAS MY CHOICE BECAUSE I REFUSED TO HAVE AN APPRAISER COME TO MY HOME AND THE INQUIRIES WERE VALID. I TOLD HIM THAT WAS ABSOLUTE XXXX AND INSTEAD OF ASKING WHY HE SAID HE WAS GOING TO TERMINATE THE CALL IF I DIDN'T CHANGE MY LANGUAGE. I REALIZED THEN HE HAD NO INTENTION OF HELPING ME.SO I BASICALLY CONTINUED TO BLESS HIM AND HUNG UP THE PHONE. ANOTHER CONTACT WITH AN INCOMPETENT PERSON. I DEMAND TO BE ABLE TO REFINANCE WITHOUGHT PREJUDICE. I ATTEMPTED TO OBTAIN A VA LOAN AND NOT ONE LOAN OFFICER EITHER KNEW HOW TO OR WAS ILL EQUIPPED. THE LAST PERSON FINALLY WANTED ME TO REFINANCE WITH A FEE I HAD TO INFORM HER I WAS EXEMPT AS A XXXX VETERAN. SHE TRIED TO QUICKLY HAVE AN APPRAISER COME TO MY HOUSE. I THOUGHT I WAS DOING A STREAMLINE REFINANCE. I NEVER DISAGREED I JUST WANTED MY OPTIONS EXTENDED. SHE HAD AN ADDITUDE AND NEVER CALLED BACK. NOW I REALIZED THAT PERSON LIED ABOUT THE APPRAISER EPISODE. I NEVER REJECTED THE ASPECT IF AN APPRAISER. I DECIDED NOT TO DO A VA LOAN AND JUST DO A FHA WITH AN APPRAISER IF I DO NOT GET ANY HELP I WILL FILE A COMPLAINT WITH THE OFFICE OF CIVIL RIGHTS.

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 2022-01-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity thief I have been trying to correct my credit reports due to multiple fraudulent hard inquiries, and unemployment in different states I still have hard inquiries on my reports that are not from my consent or knowledge

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 2017-02-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage last year. Ocwen, the servicer at the time, received and applied full payment on XXXX/XXXX/XXXX. As of today, XXXX/XXXX/XXXX, I have not received a satisfaction of mortgage from Ocwen, nor is the satsifaction recorded with the county in which I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, I was notified by my home flood insurance carrier, XXXX XXXX, that my flood insurance policy has expired. The policy has expired because my mortgage company OCWEN mortgage has not paid the policy out of escrow ( as they 've been directed to do and as they 've done in the past ). In talking with XXXX, the agent mentioned that this is a standard of practice- that several mortgage companies will wait until the grace period deadline to pay. His statement was that OCWEN is notorious for waiting until the last minute. That means- if I have a flood anytime until the policy is paid, I am not covered. This is unacceptable- and should be criminal. OCWEN says they 're unable to pay because they have not received the invoice from XXXX. XXXX says they 've faxed the invoice several times- 60 days, 45 days prior, XXXX XXXX and XXXX XXXX. The XXXX agent mentioned that he has noticed that XXXX in the past 18 months- is constantly changing e-mortgage clauses, fax # s and PO boxes. This seems to be a convenient method to deceive customers and avoid responsibilities. It also signals to me that OCWEN may not be solvent. I 'm continuing to work with both OCWEN and XXXX and hope to resolve things sooner than later. I think OCWEN is utilizing deceptive business practices and I request an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Name of the company : InstaLoan at XXXX XXXX XXXX, Fl For a full year starting XXXX through the present XXXX XXXX, I has been paying around {$300.00} plus every month and until today, the amount is higher that the inicial : I toked {$2500.00} and give the my car title ( XXXX XXXX XXXX XXXX ) I call them after the XXXX XXXX  until now asking to pay less amount monthly. 
I was try to avoid their phone call and because I have only this car to go to my appointments, etc. I am a XXXX XXXX XXXX XXXX. Their answer always is negative and theyve didnt nothing for help me. 
I get the XXXX virus XXXX XXXX, plus I have a XXXX XXXX, and I explain each time for help to down my monthly payment they answer me : if you dont pay us, we will take the XXXX. That scared us ( my wife and me ) she is not working anymore after the XXXX XXXX XXXX XXXXXXXX until today XX/XX/XXXX. May you help me please? 
The car is in my name. 
Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
Navy Federal is reporting a closed credit card account on my XXXX Credit Report that I was an Authorized User on. I've already contacted Navy Federal to have the account removed from my credit file as I was not responsible or liable for this credit card. I also removed myself as an AU from this credit card before the amount went negative so I do not understand why the history past XX/XX/2017 is showing on my credit profile. I received notification from Navy Federal that the account would be removed immediately from my credit profile however it is still showing on my file and negatively impacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I am in the process of refinancing a commerical loan. The loan was with XXXX but somw how its being serviced by OCWEN a collection agency. I am NOT in collections nor have I ever missed a payment. The issue is on XX/XX/XXXX my closing company and myself placed a call to OCWEN for a payoff, In doing so the OCWEN customer service agent gave us the date XX/XX/XXXX that we would have the final payoff. On XX/XX/XXXX we again placed another call to OCWEN and we where told the paperwork and payoff would not be ready until the XX/XX/XXXX. On the XXXX I started calling again because we still did not have a payoff figure or any paperwork to make the payoff. About XXXX XXXX called me back stating she just got involved and how could she help. I explained to her the above and she informed me that my relationship magager was not in and they had to pull my loan agreement from XXXX. But she would be able to send me the payoff figure. Again she called me back at XXXX and told me that I had to make the payoff today XX/XX/XXXX or according to my contract or I would owe a full months interest, this being about {$2800.00}. When I stated that could never could happen she advised to my closing company to just back date the paper work and close on XX/XX/XXXX. The closing agent said she would never do that and the new leanding Bank would never agree to this type of fraud. My closing agent asked if XXXX could run this up to a higher manager to ask if something could be would out, she finally agreed. At this point it was about XXXX XXXX and my Bank closed at XXXX XXXX so a closing could never happen. 
Well to make a long stroy short, I received a call aback from XXXX XXXX this morning XX/XX/XXXX stating that at XXXX XXXX this morning my pay off was faxed to my closing company with the additional {$2800.00} due. She would not do anything with it. I asked XXXX again about some kind of coursety write off since this payoff was promissed back on the XXXX of XXXX to be in my hands by the XX/XX/XXXX, then told on the XXXX no the payoff will not be ready unitl the XXXX and on the XXXX told it would take at least 24-48 hours more. I truely beleive OCWEN was putting the pay off for this time just to ake the extra {$2800.00} in interest. 
I feel that OCWEN works just like they say, a collection agency and will do everything in their power to get as much money as they can from their cliants. 
I do beleive this has happen to many others for the same stall tactics they gave me. 
Please help me to stop OCWEN from doing this to others and help get my over payment of interest back. 
ThanksXXXX XXXX XXXX XXXXLoan Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: TX
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : DPT EDXXXX XXXX Balance Owed : {$3700.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}

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 2018-01-19
Company: Navient Solutions, LLC.
State: SD
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:
Payment plans they always directed me towards left me with an inflated principal much larger than the original amount owed. This lender is currently being sued how can I get help with forgiveness or payment options?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Regional Management Corporation
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: Their investigation did not fix an error on your report

Complaint:
Regional finance reported I was late/missed payment for XX/XX/2021 when the account has been paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2021, I discovered that a former tenant had stolen my identity. I found this during the eviction process & after reviewing my entire credit report. There were several Bank of America accounts opened up in my name. I immediately notified the Bank of America fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. Bank of America continues to affirm the accounts stating that payments were made on the account ( s ) from a checking account in my name. Ive tried to object to their decision because there were three fraudulent checking accounts also opened by the fraudsters. I do not know what more I can do aside from filing a lawsuit against the company.

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 2016-09-22
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received a home modification with Ocwen in 2014 after many rip off schemes by them! Was supposed be XXXX! Taxes and insurance. Since then my mortgage has gone up to XXXX. I can understand the first year it going up but since then my taxes and insurance has only gone up XXXX. Second yr went up to XXXX. Nowlast 2 years saying insurance in XXXX when it clearly states XXXX. So if only my tascholl taxes went up XXXX which is once a year.y am I paying them XXXX more every year. Last 2 years only increase was taxes now wants raise mortgage to XXXX. Y from XXXX when only thing up is tax by XXXX so y do they want XXXX more a month. Trying day insurance going up to XXXX which also stated was last year and they pd out XXXX. So where 's all this extra money going that 's XXXX over last yr from there escrow reason for raisin. They are ripping me off agin. Years ago charged me XXXX said pd my insurance have me insurance I did not need and we had insurance still waiting for that refund filed with XXXX and XXXX never heard or got check promised as others also waiting. Tried numerous times call escrow Dept wo n't return calls. This is a giant rip off company. I need this settled by them ASAP. It 's crazy liers not only XXXX there doing this to. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I ca n't find a job in my field of study and I 'm having a very difficult time trying to pay it back working part time jobs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation