BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: Ocwen Financial Corporation
State: NJ
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:
Ocwen erroneous reported me as 30 late for XX/XX/XXXX and XX/XX/XXXX. I raised my hand XX/XX/XXXX and my credit report is still wrong. My score dropped 40+ points. I am presently in the process of refinancing and when my lender received notice of the mortgage late, my interest rate increased from 4.1 % to 5.378 %. 

Also in XX/XX/XXXX, I obtained a modification with Ocwen and my credit was not suppressed while I was in an approved workout which is also affecting my credit and my escrow was not spread correctly leaving me with an escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a financial problem so I ended my account closed to avoid overdraft fees I know Im responsible to bring my account current but I dont get paid for 2 weeks so I asked to close my account and I will pay the XXXX  dollars I owed as soon as I got paid because I couldnt cancel my automatic payments until I put a new checking account they refused to close it and are charging me XXXX daily for overdraft fees that same company keeps trying to charge I tried speaking to costumer service they dont care to help me

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 2020-05-21
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For the last 10 months, M & T Bank charged my account {$24.00} per month for premium services, but would not provide any of the services. They would not allow deposits or withdrawals or enable me to meet the requirements to waive the fee. I contacted them to change the account to a free account, and they refused to do so. 

I have not received any services for 10 months. I am entitled to credit for the monthly {$24.00} fee when they stopped providing services. 

Now they are threatening to take my account into overdraft due to the fees but they will not allow me to make a deposit.

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 2020-06-18
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing the Fair Credit Reporting Act, I did not find a regulation requiring that I request a disputed directly with Experian. From what I have learned, please feel free to correct anything you find incorrect, my obligation is to identify myself with my dispute ( which I've done ). Using the system Experian provides seems self-serving on Experian 's part and not to my advantage. This system is free also and it has the additional advantage of accurately documenting my contacts with Experian in case I need to take this to court which this is beginning to head toward. I simply want you to start an investigation on the items below. If not you are in violation of the FCRA and will be required to pay {$1000.00} per violation plus court cost. 

ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX  XXXX never late XXXX NA XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXXXXXX never late XXXX XXXX XXXXXXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine

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 2019-12-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We do not have an account with this bank We received emails asking us to verify info. 
We suspect the emails are scams Addresses on our emails ... 
HSBC Group <XXXX> HSBC Group <XXXX> Textin emails ... 
Dear Customer Your account has been suspended due to suspicious activities. 

We're letting you know that you have exceeded the maximum number of attempts to authenticate with your credentials. As a result, for your protection, we temporarily suspended your ability to access your account online and to receive codes. 


Verify your Access You have to reactivate your account within the next 24 Hours in order to continue using it. 

Thank you for choosing HSBC for your banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion continues to report information that is inaccurate even though I 've disputed it several times. Transunion has not verified the information since XX/XX/XXXX and XX/XX/XXXX therefore it should be removed. I am being discriminated against by Transunion.

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 2020-03-02
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received a collection from medical debt that disputed and deleted from my credit file. Now through another company this debt is trying to be resold or re-aged which is an illegal practice. The original holder was XXXX XXXX XXXX. The amounts and dates correctly corresponds with the same accounts that were deleted. Now this is a clear violation of the Fair credit reporting act. They either stop their illegal practice or face off in court for {$1000.00} for each account in small claims court. They didn't have copies of my HIPAA forms nor my signature. Which is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent {$1000.00} via XXXX to XXXX XXXX XXXX, XXXX with the understanding I would get a return of {$10000.00} in 14 days. They asked for fee after fee that I paid and never paid me what they promised. Many of the fees were sent via XXXX or money gram.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 had an account from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX IN XXXX of XXXX. I paid off this account for deletion off my credit report and was promised i would recieve a letter stating the account was paid and to be removed from my report however, today is XX/XX/XXXX and the accounts have remained on my 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 non-monetary relief
Consumer complaint received 2022-01-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Me and my parents have an account at Citizens Bank and the bank froze the account with no explanation whatsoever. 
This was done at the beginning of the year 2022 around XX/XX/XXXX is when we noticed a problem with the account, reached out to the branch managers and told me that they send us a letter to our home address and we NEVER received any letter. I called the customer support number, the fraud department, no one wanted to give me answers. 
Today XX/XX/XXXX they withdrew all our money and they said they would send it in the mail. 
We never asked our account to be closed, all we asked was assistance and an explanation of that is going on. The account has no shady transactions, this is there retirement account that I manage ( joint account, me and parents were on it ) for them to pay their bills, direct deposit for their Social Security and mortgage payments. 
This is completely unacceptable. They withdrew {$32000.00}. What happens if we don't get the check? since we already didn't get the letter notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am replaying PLUS loans for my daughter 's education. It originated with XXXX XXXX and was transferred to Navient. I do n't think my payments are being allocated correctly. One month more goes to interest than another month. Even on months I pay early, principal amount goes down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX approx XXXX XXXX  EST I was called by a US retailer that a credit account was opened in my name and they declined it but were verifying. I said no I had not applied, it is fraud. They then initiated their process to work with the credit agencies. By XXXX EST the same day, I had contacted all 3 credit agencies by phone to initiate credit freezes as I am a victim of ID theft. I had troubles with Transunion after doing the touch tones to freeze my credit, I am supposed to go to a live representative. Every way to get in touch with a live person via XXXX drops. I reached out on XXXX to TransUnion At XXXX est to alert them of the XXXX number not taking me to a representative and they responded at XXXX the next morning ( XX/XX/XXXX ). They stated for me to personally message aka DM so they could resolve. I messaged them back at XXXX via DM about the issue explaining the problem. Later that day an alert for another credit inquiry came on my XXXX XXXX app through another retailer. It indicated someone tried getting a credit card in my name on XX/XX/XXXX ( same day ) and the agency who do did the check was TransUnion. If the freeze was properly in place as of XX/XX/XXXX, this shouldnt have happened. I am under the impression freezes happen nearly immediately. I need a resolution and confirmation that my credit is frozen with TransUnion. My credit is being harmed via these fraudulent inquiries and I feel powerless to get Transunion to resolve.

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 2019-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX and I was looking to purchase a house with 25 % down payment with a conventional 30 yr mortgage. XX/XX/XXXX I entered an agreement of sale to purchase a house and a settlement date of XXXX XXXX. I had already started the mortgage process with XXXX XXXX, of bank of america ( nmls id # XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. On XX/XX/XXXX, I met with XXXX, gave him various documentation related to the loan and finalized our application and I gave him my credit card information for the appraisal and whatever fees were necessary. The next couple weeks he asked for additional various items to complete our paperwork. XX/XX/XXXX XXXX sent me an email that I have provided everything he asked for. XX/XX/XXXX the loan commitment or denial was due and neither were submitted. XX/XX/XXXX XXXX has no answers on whether my loan commitment was accepted of denied and has no idea when an appraisal will happen. XX/XX/XXXX he stated we will not close on XX/XX/XXXX with no other explanations or answers. XX/XX/XXXX, of course we did not close. XXXX XXXX I notified the bank in frustration, I will not be using them to purchase the house. XXXX XXXX, out of the blue ( 18 days after it's due, 3 days after I told them I will not be using BOA and 5 days after I was supposed to settle on the loan ) they miraculously give me a loan commitment letter. 


I find it strange that on XX/XX/XXXX XXXX XXXX starts sending me emails asking me to withdrawl the loan, when it's actually BOA that isn't able to fulfill the contract. I did everything that was asked of me and everything I could do in a timely manner. I did not want to withdrawl. I find this behavior to be very strange and leads me to believe that something suspicious is going on. 

I ended up having to use another bank, start the process all over again and finally end up buying the house 3 weeks later. 

I find it hard to believe that banks and loan officers are allowed to operate in such a haphazard, irresponsible manner in a regulated and licensed industry. Are bank allowed to deny loans 8 days before settlement with no explanation? I submitted payment for an appraisal on XX/XX/20 and a appraisal was never done, or scheduled. Bank of America and XXXX XXXX should be held accountable for their actions. They cant be allowed to operate in this manner. Theres no recourse or repercussions for their negligence! This is simply wrong!

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 2020-06-18
Company: Santander Consumer USA Holdings Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My car note was transferred over to Santander Consumer USA In XXXX of 2020, and they have not reported to the credit bureaus. 

I called Santander on XX/XX/2020 and was told that everything had to be communicated through the mail and there was not an option to talk to anyone or email anyone about the issue. I had to mail my information in along with my full Social Security Number in the mail. I asked if i could give just the last 4 and was informed no. I was told that due to high call volume the dispute department only communicates through mail, and a response will be sent 30 days after the date that they receive the dispute. 

I understand that it is against the law to open up others mail if it is not yours ; however, not everyone follows the rules of the law. I do not feel comfortable mailing out my full Social Security number with the possibility that someone may get it other than Santander Consumer. I also dont know why they have not reported not one payment that we have made to them to the credit bureaus for 3 months now. If they had ran into an issue at all they have my email address and physical mailing address. I never received any documentation indicating that they did not have our SSN 's to  report to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: FL
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 had an account from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX IN XXXX of XXXX. I paid off this account for deletion off my credit report and was promised i would recieve a letter stating the account was paid and to be removed from my report however, today is XX/XX/XXXX and the accounts have remained on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Mortgage Research Center, LLC
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Using Veterans United Home Loans for a VA loan on a home .... First I was 'required ' to provide a telework agreement because I work in a different zip code from the home I'm purchasing. I was told they don't normally disclose it to buyers that if I don't have a telework agreement then they add the mileage to my debt-to-income ratio and re-run my qualifications. Once I told them it would take 10-20 business days to get the telework agreement completed they CHANGED THE REQUIREMENT to only having to write a letter of explanation. I requested to get their supporting guidelines/ policies/ regulations in written form. They refused to provide them. 
I informed them that they are acting in Bad Faith by not disclosing these " requirements '' and the reasons for them. 
Since this was not initially disclosed to me there is nothing showing that I acknowledged this requirement BEFORE entering into contract with them. I researched the VA 's guidelines and found that this is a recommendation but that the VA does not define the " reasonable proximity ''. It is up to the lender and usually only done when the buyers debt-to-income ration is above 40 %. 
I've since been given a DIFFERENT reason for needing the documentation - because I mentioned that I would be teleworking ( albeit not 100 % ). 
Since this in NOT normally DISCLOSED TO THE borrower there is potentially thousands of other borrowers who were deceived and possibly even denied loans or charged higher interest rates due to whatever guideline or policy is being used to enforce this.

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 2022-08-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Phoenix Financial Services LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2019 I was received urgent care services from XXXX XXXX. After I received these services, I was informed that I would receive a bill in the mail. I never did receive any such bill. In XXXX of 2019, my credit monitoring service informed my that the account had been referred to collections. I also have not received any bills from the collections agency. 

Immediately after learning that my account was in collections, I disputed the information with the XXXX. I received a response claiming that my dispute was invalid. The response did not contain a reason for the rejection, nor a promise to send bills as requested or any information I could actually use to resolve the debt ( account number, etc ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Modification XXXX/XXXX/XXXX I have been trying to get a Loan Modification with Ocwen Loan Servicing since XX/XX/XXXX. Ocwen Loan Servicing bought a Fraudulent Loan Modification from AHMSI and it is designed for my payments to keep going up year after year until I ca n't afford to pay it anymore! Meanwhile Ocwen 's house ( the one I live in and pay for ) keeps going up in value. So after I can not pay the mortgage anymore ... Ocwen can foreclose and make money after I paid for this thing for all those years. 
They deny the Modification because I am current on loan payments and can afford to pay right now. I do have a few bucks in the bank, but I have also had a transplant, and if/when I have a problem and need specialty meds, I will need every dime I ca n't get my hands on! They do n't understand that! 
Secondly, I was forced to sell some income property that I owned, because I had to borrow against it when I was sick and on a transplant list. The loan was from a personal friend ( my realtor ) and no interest was charged, so nothing was documented. So, when the property was sold, I showed a huge capital gain tax and owe the IRS over XXXX! 
So, now I have no income off of property that was sold, I owe IRS $ $ , and my modified loan payments keep going up! I try to explain this to OCWEN and they just want me to spend every dime I have so they can foreclose! I have read Horror stories about Ocwen 's slimy history and I 'm worried. 
During the modification process, Ocwen assigns me a Relationship Manager! The RM has no direct phone # and only one number to the Loan Modification Department that you wait on hold forever, or talk to someone other than your personal RM! I have scheduled appointments with my Personal Relationship Manager and always end up talking to someone else instead! XXXX? 
What other options do I have? Ocwen Loan Servicing are major crooks! They go to court, get fined and just keep on doing their business as usual ... XXXX their customers!

Company response to consumer: Closed with explanation