BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-25
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I received a letter from my homeowners insurance company stating that my policy would be cancelled for nonpaymet effective XX/XX/2020. I called PHH to  determine why the company had not been paid as this payment is escrowed. My first call to them involved a 36 minute hold and being disconnected after the agent stated he needed to transfer me to the insurance department. I called back and was treated to a shorter 28 minute wait. The next agent also stated that I needed to speak to the insurance department as my loan was not being escrowed for insurance and transferred me. The insurance department told me that indeed the loan is being escrowed for insurance and that payment had been issued. He told me that all this should have been handled by customer service and transfered me back to a new agent. I then demanded to speak to a supervisor. The supervisor determined that the payment went to an incorrect company. She stated that all would be rectified and not to worry. Today, XX/XX/2020, received a letter from my insurance company stating that my cancellation is still on as payment has not been received. I called PHH four times today. On hold waiting 48, 38, 51 and 43 minutes for agents. Two agents hung up on me, one supervisor disconnected me. All promised to call me back if we got disconnected ; never happened. Same runaround as my calls two weeks prior. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: MD
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 XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dept is paid off directly to collection agency. I need assistance notifying credit bureaus and original debt owners. 
And also XXXX duplicated collection accounts on my credit bureau file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: SC
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:
Experian is reporting the account with XXXX XXXX on my credit report, and I have never heard of this company. Upon reviewing my credit report, I did not recognize this account nor company. I initially sent a request for Experian to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After five different attempts, they have failed to provide me proof of this account, failed to provide proof that I have dealings with this company, and failed to validate this debt. I have disputed this information five times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Experian is reporting does not match the information being reported by the other credit agencies, which again leads me to believe this account is illegally being reported. This can not be mine, nor a real account, because the information across the agencies do not match. That is impossible for the exact same account to be reporting differently. After multiple attempts, they still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.

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 2016-06-01
Company: RoundPoint Mortgage Servicing LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have sent checks to the notice of assignment, sale or transfer or servicing rights address. The checks have been cashed. I have copies of the returned checks. Now another lender who claims they are lender are now calling and sending foreclosure packages to our house. They refuse to post those items to account. I do n't want to spend any more time or money to fight this, but at this point I think I will have to hire attorney.

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 2016-08-17
Company: Diversified Consultants, Inc.
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 was paid

Complaint:
Dear CFPB : A collection agency, XXXX XXXX XXXX or XXXX sent a standard form letter advising I owed XXXX {$30.00}. I disputed the debt and requested they provide validity of the debt. They subsequently sent the same standard letter provided the first time. 

As a result, I provided evidence that the debt was paid in full over a year ago and again asked for concrete proof that an additional {$30.00} was owed. Instead of providing the additional evidence, they forwarded the debt to another collection agency ; the account number, amount of debt are all the dame, excpept a new debt collector, Diversified Consultants XXXX Inc., is now assigned. 

It appears the debt collection is a scam or sham. The debt collectors are in violation of the Fair Debt Collection Practices Act. Instead of providing validity of the so-called debt that is in dispute, they simply transfer collection responsibility. The end result I am being hassled with having to enforce my rights against a bogus claim which is wasting my time and energy. 

In addition, they are not in compliance with the 30 day notification requirement. They date their correspondence one day and the postmarked is a much later date and by the time I get the mail I have XXXX14 days to respond. I ask that you investigate these companies as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Amount Due : {$30.00} Creditor Account # : XXXX CCS File Number : XXXX XXXX XXXX or XXXX Diversified Consultants , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Amount Due : {$30.00} Creditor Account # : XXXX File Number : XXXX thank you very much for your assistance and cooperation in this matter. If you have questions please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The USAA FEDERAL SAVINGS BANK, XXXX, XXXX, TX XXXX is EMBEZZLING money through access of my account. USAA is accessing an account that has been closed for over 2 years.The XXXX of XXXX, XXXX stated that no activity has taken place on this closed account. Who is able to access a closed account other than an EMBEZZLER? USAA stated that USAA can open a closed account to make deposits but not to withdraw. That 's a clear sign of POTENTIAL FRAUD. I have not authorized anyone to transfer any money from or to any other account. I do not know of any SUPPORT THE TROOP accounts. I have provided proof of this FRAUD & USAA still chooses to hold me responsible for an issue in which USAA has n't provided any authorized transaction on my behalf. I have been calling for the past XXXX days about this matter. No one can show from where & to the money was transferred. There is a clear case of FRAUD & EMBEZZLEMENT. PLEASE HELP ME WITH THIS MATTER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
USAA Mastercard cancelled my card in late XXXX as a precaution against fraud and sent me another card. In the process those that had been on auto pay had to be contacted and given the new card number. I opted not to renew XXXX for auto payment. When XXXX called they were told their services were not wanted and to stop billing USAA Mastercard. This conversation occurred XXXX times, I do n't want your service stop billing USAA Mastercard. USAA Mastercard has been told a total of XXXX times ( XXXX on the phone and XXXX times in writing ) charges from XXXX are not authorized. USAA continues to accept billing on the account they closed. This has been happening monthly since XXXX 2014. USAA 's position is " this is an active account. '' I asked the adviser to the CEO, XXXX XXXX, 'How many times do I have to cancel before USAA Mastercard will consider the account closed? ' XXXX XXXX ' response, " you need to contact XXXX and tell them you do not want their service. '' USAA Mastercard can not answer the fundamental question of what it takes to cancel preferring to charge me interest and penalties on credit card they closed from an account I did not renew and on multiple occasions told them to stop.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently pull my credit and noticed that there was numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. They explained that i need a file a police report or get an identity theft report.I have the FTC report along with my drivers license. I am requesting to have these items removed.

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 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TransUnion is reporting the account with XXXX XXXX  on my credit report, and I have never heard of this company. Upon reviewing my credit report, I did not recognize this account nor company. I initially sent a request for TransUnion to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After five different attempts, they have failed to provide me proof of this account, failed to provide proof that I have dealings with this company, and failed to validate this debt. I have disputed this information five times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information TransUnion is reporting does not match the information being reported by the other credit agencies, which again leads me to believe this account is illegally being reported. This can not be mine, nor a real account, because the information across the agencies do not match. That is impossible for the exact same account to be reporting differently. After multiple attempts, they still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.

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 2017-02-13
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I did receive a tax reduction from NY State as well as RoundPoint Mortgage. It has been more than 3 months since I was told ; that they have to run an escrow analyses. Until now nothing is being done meanwhile, my Mortgage remain the same.

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 2021-03-19
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I've submitted a complaint to the CFPB regarding debt collection and the response that I received from the creditor was unacceptable. They claimed that an attorney office XXXX Defense Lawyers ) reached out to notify them that they were representing me. I have NO IDEA or affiliation with this law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I have owned and resided in our home in XXXX since XX/XX/XXXX. In XX/XX/XXXX, we suffered damage to our home as a result of Hurricane Harvey. This damage included approximately a foot of water inside our home, which ultimately forced to remove sheetrock and flooring from our first floor. In addition, all of the lower cabinetry and the island in our kitchen had to be torn out as a result of floodwater damage. 

In late XX/XX/XXXX, we notified SWBC of the flood damage to our property. It was at this time that a XXXX representative offered us a mortgage forbearance lasting XXXX months. Since we had previously paid our mortgage for XXXX and XX/XX/XXXX, the three-month forbearance period covered the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The XXXX representative explicitly told us that we would pay for these XXXX months at the end of the mortgage period, and not all together at the end of the forbearance period. 

In XX/XX/XXXX, my wife called XXXX to inquire about our forbearance status. At the time, she informed XXXX that she had been laid off that month. She was then told by XXXX that we could extend the forbearance until XX/XX/XXXX. With her job loss and our need to make home repairs, we took the opportunity that was presented. During her conversations with XXXX representatives, she asked if the terms of the forbearance as they were presented to us in XXXX had changed, and she was told in no uncertain terms that they had not. 

Unfortunately, the information we were given turned out to be erroneous. As a result, we are now in danger of foreclosure despite our continuing attempts to resolve our status. Prior to Harvey, we had been homeowners in good standing who paid our mortgage on time. We think it is relevant to point out that one of the homeowners, who has been gainfully employed prior to and throughout the period in question, began a new job in XX/XX/XXXX in which he grosses an additional {$7000.00} a year. Moreover, the other homeowner has received unemployment for the past several months. We believe this information demonstrates both our ability and willingness to be consistent mortgage payers. 

Currently, we are in arrears as a direct result of the information several XXXX representatives provided us regarding our forbearance situation. In addition, we've been given several contradictory versions of our status each time we tried to contact XXXX to resolve the issue. As you can imagine, this has resulted in a greatly frustrating and stressful experience for us, one that could've been avoided if XXXX demonstrated any degree of basic competence and organization.

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 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised and left unknown accounts on my credit file.These accounts are obviously derived from identity theft. Pease remove the following accounts. 

1 ) Dept of ED/ XXXX  {$11000.00} 2 ) Dept of ED/ XXXX   {$6800.00} 3 ) Dept of ED/ XXXX  {$12000.00} 4 ) Dept of ED/ XXXX  {$5800.00} 5 ) Dept of ED/ XXXX  {$10000.00} 6 ) Dept of ED/ XXXX  {$4500.00} 7 ) 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 explanation
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello CFPB! 

This complaint is for Citi Credit Card. 

I am writing to talk about Citi 's Credit Card Membership Fee accident. My credit card number is ending in XXXX, valid Through XX/XX/XXXX. Name on card is XXXX XXXX. 
XXXX years ago, I called Citi to close this account and Citi told me it was closed. Then I just let it go for a long time and didn't use & monitor my Citi Credit Card. If Citi takes a look at my statement history, they will find I stopped using this card since then because I was told this account was closed. 

On XXXX XXXX, I happened to find that the card is still active, and Citi was keeping charing me membership fees. So Citi charged me for two times membership fee without informing me! I also never get the mail statement regarding these fees, no chance for me to cancel or dispute. 

On XXXX XX/XX/XXXX, I called Citi Customer Service to refund my XXXX 's membership fee and close this account. At that time, I was told to wait for a refund check and the account would be closed. 

I have been checking mail boxes for two months for the refund check and now I suddenly found that the account is Still OPEN! 

I called tonight ( as of XX/XX/XXXX around XXXX CDT ) Customer Service and got treated the rudest way in my life. Those XXXX Customer Service representatives, they told me they are : XXXX XXXX and XXXX Senior Supervisor XXXX. Ironically, hey said " there was no way to waive the recently charged membership fee '', because I called " too late '', which I don't believe because customers should have right to dispute their most recent past statement. 

I would like to talk to Citi to resolve these issues : ( 1 ) Why Citi didn't close my account two years ago, neither did Citi close my account on XXXX? Why all phone calls ended up keeping my account open? This is causing financial loss for fee-paying account! 
( 2 ) How does Citi train their customer representatives? Why they know nothing and keep doing wrong things? Who should be responsible for this accident?

( 3 ) How to resolve the long-lasting membership fee issue? I request 2 years membership fee back, due to it was violating customer 's consent. 

Thank you for taking care of this issue! I really appreciate it!

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 2016-08-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
USAA classifies debits as " XXXX '' so that they can break the law and charge their members NSF fees. This has happened to me on three separate occasions. Also, USAA allowed me to make a transfer from a balance that USAA had mistakenly informed me I had, then, charged me an NSF fee for this transfer. I have asked USAA several time to deauthorize an automatic debit, they maintain that they will not do that without me paying a fee which I obviously do not have so they keep allowing the automatic debit and they charge me {$25.00} a pop everytime they do so. USAA has accumulated nearly {$500.00} of fees from my account by refusing to deauthorize the recurring debit.

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