BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted multiple emails to PHH Mortgage services regarding my account modification offer but I have not received a response. The emails were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( See attached documents ) It is absolutely critical that I receive responses in a timely manner to avoid any potential of foreclosure. I have had previous issues with the communication and misinformation provided by PHH Mortgage Services. ( Complaint ID XXXX ) I was required to reapply for a loan modification due their errors in communication. I have requested numerous times that PHH Mortgage Services respond to my inquiries via the email on file ... which is XXXX My account was billed a BPO cost and NC FC Prev Fee without my approval. I would like to have these fees refunded back to my account. They posted to my account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Also, I do not have access to my account online as it has been blocked by PHH Mortgage Services. ( See screen shot )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
1 ) On XXXX XXXX, XXXX Chase Bank authorized a fraudulent check against my checking account for the amount of {$500.00}. This check was totally erroneous with an incorrect address and should not have been authorized. 2 ) Not only was {$500.00} stolen from me, it resulted in my mortgage payment being returned, accruing late fees and a {$34.00} insufficient funds charge from the bank. 3 ) I called to report the claim and have had to call multiple times, each time starting over and being told conflicting information on the status. 4 ) I finally received a letter from the bank dated XXXX XXXX, XXXX stating " We researched the transaction ( s ) your reported on XXXX/XXXX/XXXX and confirmed they were unauthorized. As a result, we credited your account {$500.00} on XXXX/XXXX/XXXX. '' 5 ) However, my account was not credited {$500.00} ; only the {$34.00} for the related insufficient funds charge. When I called the bank, I was told that was an error and they would reprocess and I should receive it within 10 days. That did not happen. 6 ) My last call to the bank was today. They are now saying that they sent the letter in error and are still investigating my claim. This is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/20 I mailed certified letters to all three credit agencies, XXXX, Transunion, and XXXX  regarding a delinquent account being reported by XXXX XXXX XXXX. I was requesting verification of the account. XXXX responded on XX/XX/20, XXXX   responded XX/XX/20, Transunion XX/XX/20, all three agencies stated that the account was verified and updated on my credit report. I submitted a second request to the agencies requesting their method of verification. XXXX  responded back after my second request on XX/XX/20 stating that upon their reinvestigation the account was deleted and my credit report was updated. I received a second response from Transunion and XXXX again stated that their reinvestigation of the account in question was again verified and updated. I sent a third request for method verification to both Transunion and XXXX and provided them proof of the removal of the account from my XXXX  report. After three rounds of request for their method of verification, I received the same response that the account from XXXX XXXX XXXX has been verified and updated. I don't believe that a thorough investigation was done as required under the FCRA. XXXX reached a settlement with the federal government regarding their unfair practices. I fall under that lawsuit umbrella and DEMAND that XXXX XXXX XXXX is removed from my Transunion and XXXX 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 2018-03-03
Company: Experian Information Solutions Inc.
State: VA
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/18 an item showed up on my credit report that had previously been removed under a different collection agency based on a burden of proof that the debt even existed which it did not. It would appear that this debt was then sold to XXXX XXXX XXXX. These practices are highly illegal. I demand that this be removed from my report 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 2022-02-27
Company: Easier Funding, LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
60 day credit repair said if they dont get my credit score up XXXX points in 60 days I would not have to pay them {$150.00} a month for the whole 12 months they made me start paying on day 1 so Ive paid {$450.00} dollars they had me sign a so called contract thur email I signed it quickly the guy on the phone sent it and stayed on hold said I could read it later. The 90 day came I never heard from them at all in the 90 days, I did text them about a company that put I owed them money on my report that I paid In full 6 month before I was told to call them and talk to them, the Girl told me they couldnt help me, I said what am I paying for? No reply, she emailed me to call her at 90 days I did she told me they got it up XXXX points they said they got 4 things taking off my report, I dont believe I said well I have got my report up XXXX points she told me I still have to pay because I opened a new credit card. I told her no she said she would have XXXX the owner call me, they also had me sign up for a company XXXX monitoring {$20.00} a month I have tried to cancel and they say I cant due to 90 day credit repair, I posted a XXXX review that has my picture on my account they replied to my review and have posted my personal information I also asked to cancel there services 6 weeks before 90 days was told I cant do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: AR
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 has violated my rights. 

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

15 U.S.C. 1681 604 section 2. It also states a consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have tried making payments from my Capital One 360 account to my vehicle auto loan back in XXXX XXXX and XXXX of 2021 to my capital one auto loan account. They sometimes would misapply payments made from the checking account to the auto loan account saying they had no knowledge of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 has violated my rights. 

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

15 U.S.C. 1681 604 section 2. It also states a consumer reporting agency can not furnish accounts 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 2022-02-27
Company: Shellpoint Partners, LLC
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 status incorrect

Complaint:
I submitted a complaint on the cfpb website stating that shellpoint  is in violation of the cares act. The cares act is meant to protect consumers from having their credit score hurt XXXX XXXX who works for shellpoint hasn't addressed any of my complaints. The XXXX  XXXX  website promises consumers that id they choose to go into the covid forbearance plan... It will not affect their credit scores and the WILL be able to refinance in the future if they make 3 successful payments once out of forbearance My rights are being violated. 

XXXX ... Where is your heart? 
I was sick with XXXX  in the XXXX. 
I'm an honest consumer who never had a late payment ever since 2015 What is shellpoint gaining by braeking the law and reporting me 120 days past due when I have made 5 consecutive payments in a row? 

Do you like to torture your customers? 

Does it give you please when an honest hard working man needs to have a low credit score and pay higher interest on credit cards when he was promised that forbearance wouldn't hurt his credit score? 

Do you enjoy breaking the law and causing me not to be able to refinance since I'm marked as 120 days past due? 

You surely have heard of goodwill credit report deletion? 

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 

I have completely complied with all payments since exiting forbearance ... I am asking you as a goodwill gesture to stop damaging my credit as the US law ensures that those exiting forbearance will not be negatively affected and will be able to refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My firm represents XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. I am submitting a complaint on its behalf with reference to a condominium unit designated as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The owners, XXXX XXXX XXXX XXXX, vacated and abandoned the unit. The unit is not being maintained and currently condominium fees in excess of {$38000.00} are due and owing. The owners and the mortgage lender are receiving the benefits that the condominium association provides at the expense of other paying owners. A mortgage foreclosure was commenced in 2009 and dismissed for lack of prosecution.

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 2020-11-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is a XXXX Credit card that is through SYNCHRONY Bank. 

There is a UNAUTHORIZED monthly charge of XXXX PER MONTH on my account. 

They CLAIM I check marked a box on my original ONLINE application for the card for " credit protection ''. 

Not only did I NOT do this I also never INITIALIZED the charge nor did I ever agree to it verbally. 

They have refused to remove all of the XXXX PER MONTH charges in which I NEVER Authorized them to do nor give my card # to some outside 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 monetary relief
Consumer complaint received 2022-02-27
Company: ALLY FINANCIAL INC.
State: MD
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:
Hello there what is going on is I had my car repoed due to loss of work because of XXXX XXXX. I was told the balance on my account was XXXX they added an additional XXXX also couldnt refund my account back XXXX for a key they said I never gave them at the time I picked up my belongings I handed the key to the gentleman at the gate. I called Ally the day my car was auctioned on XX/XX/22 they said that they charged XXXX dollars for a key that I already had handed them in person at XXXX XXXX XXXX they should have corrected it the first time I meant Ally Auto XXXX so the credit bureaus can correct it on their end too.Also the balance is supposed to be XXXX as the correct balance of whats owed to XXXX XXXX XXXX and not XXXX0 Im waiting til Ally corrects that too with Credit Bureaus it should been XXXX subtracted by XXXX the auction balance of car which is XXXX to be corrected by Ally

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 2016-01-04
Company: Scott Lowery Law Office, P.C.
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
DEAR SIR, I WOULD BE MOST GRATEFUL IF YOU COULD ASSIST IN WHATEVER WAYS YOU CAN SINCE I CAN NOT AFFORD A LAWYER. 

MY COMPALINT IS AGAINST CATCH LLC REPRESENTED BY LAWYERS XXXX.SCOTT LOWERY OF XXXX XXXX IN XXXX I HAVE A CREDIT CARD DEBT OF XXXX $ ( FROM XXXX.THEY SENT ME TO COLLECTION BECAUSE I MISED A FEW PAYMENTS WHEN I HAD NO JOB AFTER MOVING TO XXXX XXXX. ) I HAVE ALREADY PAID THE ABOVE LAWYERS FOR OVER A YEAR ALREADY ( AS AGREED WITH XXXX. SCOTT REP AT {$50.00} EVERY MONTH ) BUT I CAN NOT AFFORD TO STOP PAYMENT WHEN THIS IS DUE BECAUSE THEN THEY WILL ONLY ASK THE XXXX XXXX COURTS ( WHERE I WILL GET NO SAY ) TO COLLECT ON THEIR BEHALF. 
THE COURTS WILL IN TURN AGAIN TAKE MONEY ( THE AMOUNT OF WHICH I CAN NOT DETERMINE ) FROM MY SALARY. 

I HAVE HAD THIS PROBLEM BEFORE FOR A PERSONAL LOAN ( OF XXXX $ ALSO FROM XXXX XXXX XXXX. ) XXXX ( WHICH WAS BAILED OUT BY GOVERNMENT ) SENT ME TO COLLECTIONS AND I PAID XXXX SCOTT LOWERY FOR A WHOLE YEAR ( XXXX $ NOT TAKING INTO ACCOUNT WHAT I HAD ALREADY PAID THE BANK ) AND THEY SCAMMED ME. 
THEY SAID I WAS LATE FOR PAYMENTS AND TOOK THE WHOLE {$1200.00} AND POCKETED THE MONEY. 

THE AMOUNT PAID WAS NEVER PUT AGAINST THE LOAN REPAYMENT. 

I THEN STOPPED PAYMENT AND THEY THEN JUST TURNED AROUND TO THE XXXX XXXX XXXX TO COLLECT ON THEIR BEHALF. 

I GOT NO FAIR REPRESENTATION FROM THE COURTS AND THEY JUST USED THEIR AUTHORITY. 

TILL NOW THE COURTS ARE TAKING MONEY FROM MY SALARY AND I HAVE NO CLUE HOW MUCH AND FOR HOW LONG..THE COURTS HAVE NO EXPLAINATIONS FOR ME. 
THEY ONLY REPRESENT THE MEN IN SUITS. 

I THINK THIS IS A BIG SCAM ABOVE ANYTHING ELSE AND I LOOK AT THIS WHOLE SET UP AS EXTORTION AND/ OR ROBBERY IN BROAD DAYLIGHT. 

TO THAT EFFECT I WOULD BE MOST GRATEFUL IF GENTLEMEN, YOU COULD KINDLY ASSIST AND ADVISE AS TO WHEN, HOW AND WHERE I FINALLY PUT AN END TO THOSE DEBT PAYMENTS AND STOP DEALING WITH CROOKS AND SCAMMERS. 

I THINK THAT THOSE PEOPLE IN SUITS SHOULD ALSO BE HELD ACCOUNTABLE LIKE ANY INDIVIDUAL. 

I 'VE DONE ALL I CAN TO PAY OF MY DEBTS AND I AM STILL WORKING HARD TO GET OUT OF DEBT TOTALLY HOWEVER IF I AM TO PAY {$1800.00} FOR MY WHOLE LIFE THEN I MIGHT AS WELL STOP WORKING ALTOGETHER AND LET THE STATE TAKE CARE OF ME..MAYBE THE STATE WILL THEN TAKE CARE OF MY DEBTS TOO. 

XXXX NEVER GAVE ME A CHANCE AND I LOOK AT CATCH LLC AS RESORTING TO EXTORTION THROUGH THEIR LAWYERS AND THE XXXX XXXX XXXX, I AM SURE YOU WILL AGREE WITH ME SIR, THAT THESE CONDITIONS ARE UNTOLERABLE. 

I THANK YOU IN ADVANCE SIR AND LOOK FORWARD TO A POSITIVE RESPONSE FROM YOUR END.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX states I opened an account for a landline in my home but we already had a landline. I asked them to send me papers showing where I had requested this line and they never did, they said someone from my house requested the line. I asked them to remove the incorrect information from my credit report, now they have sold the account to Debt Recovery Solutions. Acct # XXXX. {$98.00} This information is affecting my security clearance with my job and I need proof that I requested this line be installed or I need them to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, 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 fair credit reporting Act XXXX XXXX XXXXXXXX XXXX with account number XXXX has violated my right to privacy. 15USC 1681 Section 602A State that I have a right to privacy. 15USC 1681 Section 604A Section 2. Also state a person or consumer reporting agency can not furnish an account without a written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Aqua Finance, 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: Account information incorrect

Complaint:
I purchased a water softener system and other items. The items never worked. Either due to faulty install or defective equipment. The company refused to repair them, refused to retrieve them, and is not refusing contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Experian Information Solutions Inc.
State: OK
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:
Family Member ob tained loans fraudulently, has subsequently been   XXXX   and is   XXXX   XXXX   XXXX   term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.

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 2022-02-27
Company: Experian Information Solutions Inc.
State: MD
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:
Hello there what is going on is I had my car repoed due to loss of work because of XXXX XXXX. I was told the balance on my account was XXXX they added an additional XXXX also couldnt refund my account back XXXX for a key they said I never gave them at the time I picked up my belongings I handed the key to the gentleman at the gate. I called XXXX  the day my car was auctioned on XX/XX/22 they said that they charged XXXX dollars for a key that I already had handed them in person at XXXX XXXX XXXX they should have corrected it the first time I meant XXXX XXXX XXXX so the credit bureaus can correct it on their end too.Also the balance is supposed to be XXXX as the correct balance of whats owed to XXXX XXXX XXXX and not XXXX XXXX waiting til XXXX  corrects that too with Credit Bureaus it should been XXXX subtracted by XXXX the auction balance of car which is XXXX to be corrected by 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 explanation
Consumer complaint received 2015-09-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, My macys card was used in XXXX XXXX to charge over XXXX in charges. I contacted Macy 's as soon as the bill arrived and let them know of the fraud. I was then informed recently that the charges were mine and were not fraud. I verified the fact that at the time I was in California sending them XXXX other credit card statements with charges in XXXX XXXX at the same time as the fraudulent charges. I just spent 40 minutes on the phone with them to be hung up on with no follow up call. They are refusing to hear my pleas and failing to remove the charges as well as now reporting me late on repayments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03
Company: WELLS FARGO & COMPANY
State: MO
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:
I fell 30 days behind on my Wells Fargo Home Mortgage a few years back. During that time I was able to arrange for Wells Fargo to re-fiance my mortgage and during the underwriting I was advised by my Wells Fargo Adviser that I was NOT to make any additional payments until the new loan was finalized as it would impact the amount being re-financed. I followed their instructions and once the refinancing was completed I stayed current on my payments for the next two years until I sold my house and moved. Unfortunately, Wells Fargo reported my loan as 60 and then 90 days delinquent even though I was instructed by them to NOT make those payments. I have requested that the history of my loan on my credit profile be adjusted to the 60 and 90 days delinquent status to 30 but XXXX XXXX is not doing so.

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