BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-05
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Billing disputes

Complaint:
I was the victim of a home repair scam across state lines related to my home in XXXX, I live in XXXX. The company advertised an amazing deal for certain services and I gave them my credit card number so they could charge me when they completed the job. Instead they ran up my card over {$1400.00}. Double what I originally discussed with them and all of it despite not having finished a single project. All they did was send me ONE " before '' picture with them supposedly working and XXXX update of XXXX wall being partially painted. When I saw the charges I disputed them. XXXX responded by forging my signature on invoices and submitted to Citibank - they claim I was present at the time of sale to sign off on the work. This made Citibank say that my dispute was regarding the " QUALITY '' of the work done. There was not enough/NO work done to dispute the QUALITY. I submitted over XXXX pages of documentation to support my claim including : Proof of forgery of my signature including a police report, bank records showing my real signature ... And a Police Report number where I am pressing charges. 
Proof that we could not have been at the property at the time of sale ( as the merchant alleges ) because medical and employment records have me and my mother in XXXX Communications from XXXX themselves that they could not complete the job because of personal problems, backed up by phone records. 
A CERTIFIED inspection from a XXXX Licensed Inspection Company detailing that the work being billed was not done. Not that the quality as bad or in question ... THAT IT WAS NOT DONE. 
Invoices where I had to hire another company to do the work XXXX did n't do. Stating that less than XXXX % of the home had any projects BEGUN. 
XXXX and Realtor documents showing the home was pulled off the market for " repairs '' and kept off the market for an extended period of time, with emails from the Realtor informing me that work is not being done on the house. Repairs that were not done until AFTER another company was hired. 

I have phone recordings of Citibank Dispute personnel telling me I had one of the best documented cases of unauthorized billing they had ever seen. One Supervisor even gave me her personal email so I could send her my documentation directly vs. responding to disputes @ citi email. Yet, not once but TWICE Citibank has responded that the charges were " valid '' .... No, they were not! Forgery is not valid. Charging more and more often than authorized is not valid. Starting a job just enough to take a picture and convince me that work is being done and then NEVER ACTUALLY DOING IT is not " valid ''. This is not about the QUALITY of work, there is no completed work to judge the quality of. Citibank is protecting its interests in ruling the way it did, despite common sense and a preponderance of evidence.

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX  , Inc. RE : XXXX XXXX XXXX XXXX . I have a check that was deposited in XX/XX/2019 for {$9500.00} .The check was held for over a week and cleared my account then in XXXX it was said to be a duplicated deposit?? I do not know what that is and how do I check and see if someone has done something to my account? How can a check be deposited twice?? It was deposited at a different branch in the XXXX XXXX XXXX branch. My account is XXXX checking. I have already sent a dispute over a year ago with no response or follow up!!

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 2021-06-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Nissan Motor Acceptance Co. on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Nissan Motor Acceptance Co. made me purchase insurance separately. These are clear violations of my consumers right which makes this contract void. This caused me a lot of stress on me with negative remarks on my consumer report and I need this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: WA
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:
ExperianXXXX XXXXXXXX XXXX shes XXXX accounts incorrectly, the other bureaus have the info right but Experian does not. It shows my XXXX XXXX XXXX account that was charged off reported on XXXX of XXXX and then reported a 180 day late payment on in XXXX of XXXX. This is XXXX YEARS AFTER the charged off date. The debt was charged off by the company we can not make payment to them and therefore its impossible to have a late payment with no balance. They are also showing a balance on the charge off. It shows XXXX charge offs on XXXX account- it can not be charged off every month for 43 months only XXXX charge off can happen and it shows still open which is also inaccurate This is Re-aging of my credit and it illegal. 

In addition ExperianXXXX  XXXX XXXX was charged off on XXXX of XXXX. It wil In our XXXX XXXX XXXX and Experian is showing it suddenly charged off in XXXX of XXXX this is also incorrect and shows a balance. A balance is not possible after a charge off as its been written off by the creditor. The account was closed after the charge off and experian kept reporting it. This is re-aging of my credit and is illegal. 

This has dropped my score over 100 points. Experian is famous for reporting in accurate information. They need to fix it immediately. Its ruining my ability to buy the house we are under contract for. If its not fixed I will file a lawsuit. I have bankruptcy docs to send but CFPB says to not show some of the personal info on the docs. The screenshots below are from the experian site/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 2016-09-01
Company: Churchill Holdings, Inc.
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX at Churchill Mortgage understood that I have a XXXX. My husband XXXX and I were told that we qualified for a FHA loan, and that we could indeed move from XXXX to a cooler climate in XXXX hoping to benefit my health. XXXX told us to find a longer term hotel, so we paid {$1400.00} for one month at the XXXX XXXX XXXX, while XXXX told us to use a realtor by the name of XXXX XXXX at XXXX XXXX. Once we were up here, XXXX told us that we had to rent out our paid for condo and show him the year lease, otherwise we would not qualify. We hired XXXX XXXX, and they rented out our home. We had an inspection on the home, it was loaded with live cockroaches, and XXXX insisted I get the house and live there with the cockroaches while an extermination company would use chemicals to kill the bugs. With my XXXX, this would only worsen my symptoms. After this, XXXX told us that since we were not happy with his mortgage company, that " although we qualify for the loan, we need to go elsewhere for the mortgage. '' We can not go back to our home for a year, we can not get a loan, we have contacted about XXXX mortgage companies, and no one will help us. My house is paid for, I am XXXX and now where do I live? My credit is XXXX, my husband is a veteran of 21 1/2 years in the XXXX, and we have been working all of our lives. We are literally homeless, and a victim of XXXX XXXX from Churchill Mortage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
*Submitted loss mitigation package XXXX/XXXX/2015. File was deemed complete XXXX/XXXX/2015. 
*This file has been in and out of review 8 times. I have attached dates and case tracking for your review. 
*I have escalated this file to Ocwens escalation department on multiple occasions. I have also attached those documents for your review. 
*I am asking for your assistance with the loss mitigation process with this servicer, Ocwen . The only response that I have received from the last escalation is " under review ''. Documents are aging, not because of a delay with the borrower, but because of Ocwen. The borrower is faced with great difficulty each time a document is requested. It feels as if this servicer wants the borrower to give up. Each delay is pushing the borrower to that point. The borrower does not have enough equity to make a reverse mortgage feasible. Prior to entering into the loss mitigation process the borrower had researched refinance options but was told there was no way to approve because of income. She could not have afforded the appraisal or closing costs to refinance. 

*We need help and oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act and 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 explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have disputed this debt with Transunion I have sent a validation letter to the company XXXX me a account summary report they wrote account summary report they gave me no Information They know this debt is not mine please investigate. 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 2021-09-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: MT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I experienced water damage due to a botched roof replacement. The damage incurred totaled roughly {$65000.00}. Above the {$20000.00} threshold, all insurance payments are co-signed between homeowner and mortgage lender per loan servicing policy. My lender is PennyMac. Since day one of this water damage situation, I have asked to see my online account ( via insuranceclaimcheck.com ) or related documentation about these insurance funds managed by PennyMac. They have denied access to the online portal and have not produced routine monthly statements of any kind related to these funds kept in escrow. This seems to be a violation of the Code of Federal Regulations : Title 12 - Banks and Banking Chapter X - BUREAU OF CONSUMER FINANCIAL PROTECTION Part 1026 - TRUTH IN LENDING ( REGULATION Z ) Subpart E - Special Rules for Certain Home Mortgage Transactions Section 1026.41 - Periodic statements for residential mortgage loans. 

I have no way to track deposits, disbursements, or balances related to my insurance payout and this is in violation of their loan servicing agreement with RD/RHS loans. I have asked a number of times ( more than 10 ) on phone calls and have 2 written letters requesting the same info. I am able to log in to an online portal set up for this function, however, a pop-up blocks my access and I'm told to call their loss draft department for info. When I inquire about lack of access I'm told " this is an account that requires special handling '' or " this is a monitored loan ''. There is still no basis as to WHY I am denied access or other documentation other than this.

Likewise, other reporting information is inaccurate on my monthly mortgage documents ( eg : current LTV percentage, PMI vs annual fee in proper reporting fields ) they have refused to update their record-keeping to keep details organized and accurate.

I keep tidy files and would like my mortgage company to do the same to ensure my figures match theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Somebody put in a fraud alert on me. We are buying a home and the lender just called me and asked me if I did it. I 'm sure it was a collection company out of Florida that did it to muddy up my loan!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN Loan Servicing took over my loan in XXXX 2013. They are claiming we are 2 months behind on our payments. I have documentation of XXXX cashed checks representing the XXXX months we have been serviced by OCWEN. They have not applied our payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX I called EdFinancial and asked for refund for my payments made during COVID which totaled to around {$1000.00}. After a 2 hour wait, they told me they could process it but I'd need to wait 150 days. I asked how that effect the forgiveness and was told that they have no idea and if I'd like, I can cancel the refund but they couldn't guarantee that my forgiveness would cover the correct loan amount. My husband also called his loan provider and was given only a 2 week turnaround, with the correct loan balance being shown already in his account. Edfinancial purposely makes things difficult for borrowers. They told me I can keep calling and asking for updates but why would I want to wait on hold for 2 hours to speak to someone with an attitude who clearly doesn't know what they're talking about. To ensure I don't have difficulty come time for applying for forgiveness, I would like EdFinancial to to reinstate my balance to reflect the balance that would be forgiven ( current balance + what would be refunded to me ). Other loan providers are doing it and doing it with better customer service a lot quicker. Edfinancial feels like a scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.

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 2020-03-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear CFPB Staff, XXXX has repeatedly violated the THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] concerning a fraudulent account being reported on my XXXX   Credit Report titled " SunTrust Personal MA ''. 

XXXX has refused to perform actual investigations. XXXX  has refused our requests for a detailed breakdown of their " investigation '' as per the FCRA multiple times. And XXXX has hurt myself and my family financially because this. 

XXXX has continues to address this matter, and the XXXX   phone representatives have repeatedly hanged up on myself over the phone. 

I have provided all the documentation XXXX have demanded multiple times these past two years. XXXX refuses to address this as well. 

In CFPB Case # XXXX XXXX even attempted to dodge responsibility by pretending they were not aware the CONSUMER Financial PROTECTON Bureau has the legal authority to represent us in this matter. But even worse, the CFPB Staff Member in charge of our case allowed them to and closed the case without any resolution. 

This illegal behavior on behalf of XXXX has crippled my family financially. And the CFPB has not only allowed it, but has ignored our complaints about your failure to help us consumers with my Congressman XXXX XXXX. If the CFPB refuses to begin address this matter on behalf of us American Consumer we will hold the CFPB for our continuing situation and the pain and suffering it is causing us. 


Ps. 
We have sent all the requested documentation XXXX  's Staff requested in CFPB Case # XXXX multiple times these past two years. We have granted XXXX permission for both the CFPB and our Congressman XXXX XXXX multiple these past two years. 

However, once again as manipulative as XXXX XXXX  employee was trying to be the American Consumer Financial Protection Bureau is not only legally allowed to communicate with Credit Bureaus on these matters, but in fact was established by the American Government on XX/XX/2011 for this very purpose. The CFPB Staff member addressing this new case is therefore not to accept that illegal excuse on XXXX XXXX part as a reason not to address this matter.

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 2016-11-29
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen foreclosed on my home. Ruining both my credit and my life. Since then I 've only been able to rent hole-in-the-wall places. Recently I received a letter that ocwen had misdated letters. I went through the entire process and received {$2000.00} " settlement ''. However, this does n't even come CLOSE to making up for what Ocwen did. My credit is now ruined by foreclosure. I think they should remove the negative information since THEIR misdated letters caused it. I 've been thousands to move into a new residence that I would not have had to pay had Ocwen not improperly foreclosed. And to top it off, Ocwen has people coming into the house BEFORE THE SALE DATE stealing our things. I lost a tool bench that was my fathers and had extreme sentimental value to me. Ocwen was to look into it but they never did. I think Ocwen owes me a lot more than {$2000.00}!

Company response to consumer: Closed with explanation