BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After filing a dispute, Nordstrom refuses to credit back my credit card in the amount of {$1300.00}. On XXXX XXXX, 2022, I was told by XXXX XXXX that all life policies had been cancelled. The Nordstrom credit card payments made were never properly credited. Dispute dates are : XXXX XXXX, 2022, XXXX XXXX, 2022, XX/XX/2022, & XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My name is XXXX XXXX ( SSN *********** ). I am in the process of filing for bankruptcy and have fallen a little behind on my student loan from XXXX XXXX ( now Navient ). Navient has called a minimum of 4 times per day, does not leave messages, hangs up when I answer, and has started calling family members as well ( several times a day- 4 times yesterday, XXXX XXXX, and three times so far today, XXXX XXXX ). I believe this level of activity constitutes harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing raised additional questions! 
Ocwen Loan Servicing responded to our previous complaint in writing dated XXXX XXXX XXXX. The facts are ; Ocwen Loan Servicing mishandled our account, failed to report accurately to all the credit bureaus per documentation. Ocwen stated in paragraph XXXX, " as previously advised to you, when a dispute is received regarding an account from a regulatory agency such as the CFPB, Ocwen is required to cease credit reporting for the duration of the review. As there were open disputes regarding the above referenced account in the month of XXXX XXXX, no payment history was reported ''. 
Per federal law, Fair Credit Reporting Act 15 USC 1681 and Nevada law, XXXX XXXX, all companies reporting to credit bureaus must report accurately. When companies report to the credit bureaus, " no payment history reported '' this violates federal and state laws! Also, no where within these laws does it state that the creditor ( Ocwen ) must cease credit reporting for the duration of the review. Per, E-regulations 12 CFR part 1002 does not state either that the creditor must cease credit reporting for the duration of the review. I believe that this is Ocwen Loan Servicing policy which does not supersede federal and state laws! By Ocwen Failing to report accurately, Ocwen caused us to be turned down for an auto loan approximately two years ago. This has been an ongoing issue with Ocwen Loan Servicing! " Please review the other credit reporting complaints filed against Ocwen with the CFPB ''! 
Also, I requested Ocwen not to allow XXXX XXXX from the Ombudsman office to respond to my inquiries now or in the future due to her failing to provide the information that we were seeking. As you can see, Ocwen Ombudsman office failed to comply with our requests. 
Please provide the following question below in writing! 
First, we request to know if Ocwen Loan Servicing has this policy to cease credit reporting for the duration of the review? 
Second, if not, please provide the state or federal law that requires companies to cease credit reporting during an investigation from a regulatory agency! 
If Ocwen Loan Servicing fails to comply with our requests, Ocwen must be held accountable for their actions including but not limited to the following ; an investigation from federal and state agencies, media complaints, social media complaints, court order, fines being imposed, loss of business license, criminal charges filed, lawsuit, damages, compensation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We have continued to try to communicate with Capital One Auto about our truck and delinquency. They claimed we outright " declined '' the catch up program ; however, they were asking that we pay {$1000.00} every 3 to 4 weeks. We have called numerous times trying to get an arrangement set, but all they kept offering was the catch up program. The co-borrower lost his job. He has been able find employment again. We called recently on XXXX, XX/XX/XXXX. They once again offered the same program and not once did the team member inform me that the account had been referred for repossession. I received the right to cure letter over the weekend. I am severely disappointed in Capital One lack of empathy to our situation and they're refusal to offer any other assistance programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: CA
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit reporting agencies didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed XXXX trade lines reporting in my credit report with Trans Union, I attached a copy of the credit report with red marked items, attached a XXXX search from Secretary if State office of MA. After the " investigation '' all XXXX trade lines remind unchanged. 
I am attaching in this file all my filing. 

thank youXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is an credit card account that is stated as XXXX days late on my credit report when it was deemed not late by the credit card account company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1.When researching my complaints I found that my last payment date was XX/XX/2017 and next payment is listed as XX/XX/2017.I am on a SAM, my payments are by bank draft & this worries me that they will not deduct my XX/XX/2017 payment and find me at default. 2.My annual escrow statement has an incorrect deduction for a projected payment in addition to the actual payment from my actual ending balance.Their website shows the correct escrow balance and the projected escrow balance for XX/XX/2017 should have an overage of XXXX above the required cushion of XXXX. ( 3 ) An appraiser tried to set up a meeting to appraise my property when I was negotiating the SAM agreement, he told me the prior appraisal was false, the SAM was signed without the additional appraisal but I 'm still be charged over {$400.00} for the incorrect appraisal? ( 4 ) When I was trying to get a federal mortgage modification they were sending my payments to a suspense account. I finally agreed to a SAM agreement.The SAM agreement did not include my suspense account and ended up being more than my original loan balance. I was told that once the papers were signed that the suspense account payments would be applied to the balance and it would reflect a much lower principal balance than reflected on the SAM. But those payments do not seem to have been applied to the principal. That was a lot of money to disappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This account should be removed from my file, it has been over 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX mortgages were service transferred from Ocwen to a new servicer as of XXXX XXXX, 2015. I did not receive any notice of the transfer from Ocwen. My payments for all XXXX mortgages were sent via electronic transfer to Ocwen from XXXX XXXX XXXX my account ) on XXXX/XXXX/15 and were received by Ocwen on XXXX/XXXX/15. I called Ocwen to confirm that they received my payments and they are telling me that they have no record of the transfers to them as of XXXX/XXXX/15. I went to my bank and confirmed that the payments were sent and they were definately sent to Ocwen. Ocwen keeps telling me that they can not tell me where my money is even through they have had it for over XXXX hours in their wire transfer account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I wanted to short sale this property and I called GMAC mortgage and they advise me that I would have to go late XXXX days on the mortgage to do a short sale. They put me info forclosure at the same time as the contract was submitted to them. I was n't in forclosure at all and I was XXXX days and not XXXX days. Doing exactly instructed by GMAC mortgage. This loan was closed by XXXX/XXXX/2012 and property listed for sale XXXX and contract was signed XXXX/XXXX/12 by seller and buyer. I have attached copies of documents. Showing this was never into forclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I modified my loan with all taxes and insurance included. 
XX/XX/XXXX I received information from a third party stating I owed over {$10000.00} In back taxes from XX/XX/XXXX. I submitted all forms I recieved from this party to Ocwen and they told me, I had no taxes due, all taxes were paid through XX/XX/XXXX and they would submit and reach out to the private party. 
Well Ocwen Did absolutely nothing. I called, faxed court dates but Ocwen refused to contact the party but instead sent tax records of their disbursement to me, until I recieved a date for a strict forclosure auction date. Ocwen who still says 'all taxes are paid ' paid almost XXXX for court fees, Attorney fees and more. 
XX/XX/XXXX I received a letter stating my mortgage is going up XXXX. 
I exclaimed my issue with the company and they said my only option Is to modify the loan again. They still stand by thier word that all taxes were all paid up when the Modification went into effect in XX/XX/XXXX but do n't know why they paid twice instead of fighting or showing up in court. 
They also just recently denied my modification. I feel Ocwen likes to cheat innocent People from there homes. They are also giving me the run around with several ( specialist ) they call them rechedueling dates and giving false information on this lose. Nothing is being done and I 'm scared I 'm going to loose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
XXXX/XXXX/16 I sent a payment check for {$290.00} to American Express. It showed up on my bank statement as cleared, but AMX did not show it as received. I contacted them in XXXX and they instructed me to send all bank statements to them which I did. In XXXX they said the case was closed but I was not credited for the payment. My XXXX bank contacted them and they reopened the case. I looked at the case status and they said they are investigating, again, and should have it resolved by XXXX XXXX 2016! .. the payment was made in XXXX and my bank shows that it was definitely cashed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 Wells Fargo Bank deposited {$220.00} into my account without my knowledge or permission. I discovered this when I saw a withdrawal from my account on XX/XX/XXXX by the bank for said amount. Their reasoning is that it was a executive decision because my account had a negative balance ( pending my Stimulus payment. I advised the bank to reverse the funds back into my account as this would only create more overdraft fees. I explained that this was all done without my permission and they had no right to mess with my personal account. The practice is to charge me a fee, not to put money into my account. Also asked how they would know if I was receiving a Stimulus payment, and what right did they have to create transactions based on a pending Stimulus payment, especially since that payment was going to my XXXX XXXX  account and not Wells Fargo. What right does a bank have to take such unprecedented actions? I feel that the funds be reversed to my account, and any overdraft fees resulting from this action be returned. I find the banks actions not appropriate and illegal. The bank refused to reverse the funds. Another case was opened with no guarantees.

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 2016-12-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced a loan we had with Ocwen loan servicing and in the payoff statement they included 60 days of interest. Only 39 days of interest were supposed to be charged since they received the payoff funds on XX/XX/2016. 
I have attempted to get a resolution from Ocwen directly, but they do n't let me talk to a supervisor and they say they need more time to investigate. No one seems to understand how the interest on the mortgage loans works. This was n't an FHA loan for them to charge the complete month of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
someone has been trying to open up credit cards and loan accounts in my name using my old address

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 2022-11-14
Company: EQUIFAX, INC.
State: NC
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:
GO AND LOOK AT THIS COMPLAINT NUMBER : XXXX EQUIFAX JUST XXXX OUT THE CASE WITHOUT A PROPER INVESTIGATION BECAUSE THE REDICULOUS TEMPLATE REPSONSE THEY USED HAD NOTHING TO DO WITH THE FACT THEY ARE REPORTING UNLAWFUL FALSE INFORMATION TO A XXXX GOVERNMENT XXXX AND NOW EQUIFAX IS XXXX IT TOO. 

EVERYONE IS MAKING A MOCKERY OUT OF THIS CFPB BECAUSE YOU ARE NOT DOING XXXX  FOR THE LITTLE GUY, WE ARE STRUGGLING HERE FIGHTING FOR OUR RIGHTS AND THE CREDIT BUREAUS KEEP VIOLATING OUR RIGHTS AND WE COMPLAIN AND NOTHING IS DONE! 

I AM RESUBMITTING THE COMPLAINT AND WILL NOW FOREVER UNTIL THE COMPLAINT IS ANSWERED TO ONCE AND FOR ALL TO THE COMPLAINT ITSELF NOT RAMBLING ON ABOUT SOMETHING ELSE THAT IS NOT EVEN A PART OF THE COMPLAINT. 


XXXX is falsifying documents to the XXXX XXXX XXXX XXXX, violating federal law. Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious XXXX  to the governor and I am reporting them to the XXXX XXXX United States XXXX office tomorrow. They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. These XXXX  at XXXX has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say XXXX  owe. I demand an investigation and I demand for a response to these allegations. XXXX not XXXX XXXX let this go XXXX  XXXX  up there in XXXX nobody will anything about it but I have a voice too and XXXX going public on you and your XXXX  ambulance chasing company. You broke the law and justice will be served. Wait for it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, my home and farm was appraised for XXXX XXXX. I borrowed {$140000.00}. This was done through XXXX XXXX. It was serviced by XXXX. Was then transferred to XXXX XXXX XXXX. I never missed a payment and was never late on a payment. In XXXX, XXXX, I received a letter stating that my taxes and insurance were in default and I had 30 days to produce proof of payment. The next day I received a lettered stating that XXXX XXXX XXXX had paid the taxes and insurance and that my payment had increased from $ XXXX to $ XXXX/month. My insurance had already been paid and the taxes were not due. I called and was told that I could get a modification and that I was to stop Making payment for 60 days and this would qualify me to get a lower interest rate from XXXX, smaller payments and longer term. That the entire process would be done in house and not affect credit. I agreed to do so. In 30 days I received a late notice. When I called I was told not to worry it was taking longer to complete mods because of the huge number of requests. The following month same. In XXXX, XXXX all of my credit cards went from 2.9 % to 32.9 % interest and I found that XXXX XXXX XXXX was filing this with credit reporting agencies. In XXXX, XXXX XXXX XXXX tried to foreclose on my home. I was able to get it stopped. They denied me on XXXX modification attempts, kept my trial payments and tried to foreclose 9 times by XXXX. During this time, I had XXXX XXXX, my daughter had XXXX XXXX, my son-in-law had a XXXX, and my son had to quit school to handle XXXX XXXX XXXX since they were threatening that if we missed a call, they would make decisions without us to take my home. Finally, i filed bankruptcy so that i could try to keep my home. Since i had always paid my taxes and insurance, I went to the tax accesor and my insurance company and paid them privately. At this point, XXXX XXXX XXXX transferred the account to a company named XXXX. They would not answer any phone calls or respond to me in any way. After a few months, XXXX sold the loan to a company with Rushmore as the servicer. Now they are trying to get a release on the property for the purpose of foreclosure with a court date set for XXXX XXXX. I need a resolution to this issue. I have. Complete paper trail from XXXX and a letter from XXXX XXXX XXXX that states that this loan only defaulted for the purpose of modification. That they are sorry for any inconvenience. I 'm XXXX. I need to retire. I have fought with all I have. Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A third party contacted this debt collector ( Hunter Warfield ) on XXXX XXXX, 2015 by telephone at XXXX about my account. The employee at Hunter Warfield, who identified himself as XXXX, did not ask the caller to identify themself and assumed they were me ( the account holder ). XXXX discussed the amount I owe and threatened to report my debt as unpaid to credit reporting agencies based on his conversation with this person.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation