BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I took an equity line of credit on a home that did n't have a mortgage, the home 's title was clear. The home loan was through  Ocwen  and   XXXX   XXXX   in  1993 The  company agreed to a mortgage assumption by  XXXX   XXXX  owner  (   XXXX   XXXX   ) on  a parcel of land title  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX XXXXXXXX. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through Capital one but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from XXXX XXXX. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through cap one. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions 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:
EXPERIAN, XXXX AND XXXX is Reporting unknown Enquiries on my Credit Report. when I call they are Refusing to Delete 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 explanation
Consumer complaint received 2017-05-08
Company: Recovery One, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a call about a debt that was trying to be collected. Caller stated she was with Recovery One trying to collect a debt but would not inform me of the company the debt originated from and the amount When i tried to get that information she started to call me derogetory names and yell obscenities until i hung up on her.The number on my caller id is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
After having my card fraudulently used, XXXX XXXX issues over XXXX " refunds '' for fraud, but not by tying them to the specific charges. Now, XXXX month later, they have re instituted XXXX charges without any narrative other than " Move Debt From Fraud Account ''. When I called they say they are some accounting transfer issue. Of course, I can not verify that any of these charges are accurate, because there is no explanation. I called to place them in dispute as " not recognized '' and XXXX XXXX refused to do so, saying that they were charges from the now-closed card. However, these charges have never been presented to me online nor in my monthly statement, so I can not verify that they are accurate. The phone agent even told me that he was only allowed to give me the information that they are old transfers, but nothing more. Certainly they are having some internal issue and trying to pin it on their customers. 

Simply put, XXXX XXXX refused to follow the law by placing these in dispute as not recognized until they can give me some modicum of proof that these are actually charges that I made. Please take the to task for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Ditech Financial LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage through Ditech, closed XX/XX/2017, this month received an " escrow shortage '' in the amount of {$3000.00}. Contacted both city officials and mortgage company, it appears mortgage company using wrong tax information but clearly stated on the city website expected amount/assessed value. mortgage company blames city, city saying this is false. In the interim my monthly payments expected to increase {$500.00}, able to negotiate this down to increase of {$300.00} over next 36 months to make up for both shortage and rate increase. Will potentially have to sell, live on very tight, income.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Over the years I have struggled to make mortgage payments as my husband died XXXX 2 years after initiating the loan. Thankfully, I am now making my payments timely. However, over the years when I spoke with customer service representatives of Greentree, I was transferred to other extensions/representatives numerous times and was forced to reiterate over and over my situation and what I was requesting. Greentree would assign someone to me and then before I knew, that representative was reassigned and I would have to start all over. Several times customer representatives were rude and unprofessional. One even said to me that I needed to realize that I could n't afford to make these payments and that I should just let them foreclose. Greentree Servicing 's representatives humiliated me numerous times over the life of this loan. Several years ago, I submitted all the necessary information and documentation to Greentree requesting a reduction in my interest rate ( currently 9 % ), and was denied, without an explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, as Tenants by the Entirety, as Fee Owner ( hereinafter " Consumer '' ) submitted a complaint with the Consumer Financial Protection Bureau ( hereinafter " CFPB '' ), that generated Case Number : XXXX. 
Go to First Attachment. 
On page XXXX from the First Attachment, Bank of America , National Association ( hereinafter " Debt Collector '' ) admits to selling a Debt sold on XXXX XXXX, XXXX. 
Go to page XXXX from the First Attachment, where it is highlighted in fluorescent yellow. 
The Debt Collector has never mailed, shipped, or gave the Consumer any correspondence letter, nor notice, constructive notice on who specifically the Debt Collector sold the Debt too??? 
Its approximately 6 months later, and the Debt Collector has not given the Consumer any indication on who the new Debt Buyer is, nor how much specifically did the Debt Buyer purchase the Debt for? 
What is even more bizarre, confusing, and twisted is the Debt Collector is still attempting to collect on a debt that the Consumer does not owe, still attempting to steal what belongs to the Consumer, scheduling foreclosure sales for the last couple of years, only to cancel them at the last minute, and if the Debt Collector really sold the Debt like it admitted in the First Attachment, then why did it schedule, and attempt, and have a representative named XXXX show up on behalf of the Debt Collector, and attempt to bid at an attempted foreclosure sale, dated Tuesday, XXXX XXXX, XXXX at XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX, XXXX, Hawaii? 
Go to Second Attachment.

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 2017-05-08
Company: NEW YORK COMMUNITY BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New York Community Bank started to escrow my mortgage payment after almost 20 years of service and not ever  one  late payment because they claim my property taxes were not being paid. I am disputing their claim because my property tax balance was paid twice. The township had to send  NYCB  their check back to them as an over payment check because they already received a check from me. Since then I have been trying to correct their mistake because they are charging me late fees, doubling my payments, and I am receiving harassing and demeaning phone calls also all of the   XXXX   they have caused in my life because I have   XXXX   XXXX   XXXX   I spoke to several agents a t NYCB  since  XXXX   XXXX ,    2017 and I  was lied to several times that I have to send in a payments because my payment of  XXXX  was n't enough to cover the new mortgage payment and late fees of now  XXXX  that was increased  XXXX   XXXX  , 2017 a nd  XXXX  late fee applied. I received a letter from NYCB   XX/XX/XXXX  telli ng me they never received my mortgage payment. I have record they received on  XXXX   XXXX    XXXX  . I received a   XX/XX/XXXX   statement reporting I owe  XXXX , past due amount  XXXX  for a total of  XXXX  and a late fee of  XXXX . I had every agent a t NYCB te ll if I were to send the amount of the escrow to them they would stop the escrow. At the same time I was sending the township tax payment of  XXXX  because the next quarter was due. I was sure this was a scam because I know I was making my payments and they changed the rules of the contract to be able to charge more and make more. I believe they want the house to go into foreclosure because I only ow e 4 mor e years on the mortgage and there is alot of equity they can take. If someone was experiencing even the slightest of financial difficulty they double your payment and add fees. I believe my privacy was breached from this bank and I believe they have broken they debt collection law. They never gave me notification, itemized stamp escrow and Contract of duty. I believe the cause unneeded   XXXX  and  XXXX   in my life. I cant   XXXX   anymore. I am pursuing legal actions for them being responsible for trying to ruin my credit my life and my .character. The tax collectors office told me that this ban k NYCB h as harassed several residents in my township for exact same issues They The over payment check that the township sent back to  NYCB t he second time was over  two thousand  dollars and the first check  NYCB  sent  XXXX   XXXX  was for over  5000.00.  There is proof here that big banks are taking down private residents and taking their homes. It was n't till my conversatio n  XX/XX/XXXX  that any  of the dozen agents from  NYCB as k if my financial situation changed and asked If I need help programs. Please send me all the money they have took from me with the understanding it would stop the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late Closed : XXXX XXXX **** Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Chargeoff : XXXX XXXX Balance : {$5200.00}

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 2017-05-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
WFM h ave ignored my complaints, pretending they do n't exist.   
We settled our mortgage in full with WFM after Wells  agreed to remove the unfair late Charges from our account.They removed over {$5000.00} in late charges.WF claimed it was a 'courtesy'.. while we pointed out WF had lost a similar case in New York when trying to force mortgage holders to pay unfair late fees and had to remov  e the charges.     The same department and employees at  Wells Fargo have been consistently harmful to us.   Wrongfully referring to my serious health problems at  XXXX , making intentional delays to harm us.     Having removed the {$5000.00} in late charges, this department has now very unfairly refused to remove the late harges from our credit reports. _Thereby causing us to lose new mortgages and making it impossible to buy a new home.     We told t his to WFM  but they refused to care or help.     Please could the CFPB help..   Please refer this to th  e CEO of Wells Fargo for a direct response.. ... ..
... ... as this deprtmet at WF ha  s been so biased against us and mean spirited.   It costs nothing (  zero $ )   to  do the right thing, yet they so wrongfully refuse.   They are standing on our throats, ruining our lives.     At my stage of life l want to get my wife settled before l die.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NV
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 sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: SYNCHRONY FINANCIAL
State: AZ
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:
I never received statements from  Wal -Mart. When  did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my  credit score .

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 2017-05-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On  XXXX   XXXX  ,2017 I wa s notified by  XXXX  that a new collection had appeared on my credit file upon investigating I found out that this item had been disputed and deleted previously. Agencies listed below   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  I never received a notice within 5 days telling me they we reinserting this information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
on or around XXXX XXXX, 2016, I CONTACTED CITI CARDS AUTOMATED SYSTEM TO MAKE A PAYMENT, BUT THEIR AUTOMATED SYSTEM REFUSED MY CHECKING ACCOUNT INFORMATION AND CONTINUED TO DO SO, DESPITE HAVING TO CALL BACK SEVERAL TIMES AND INPUTTING THE CORRECT INFORMATION AGAIN AND AGAIN. I FORCEDTO SPEAK DIRECTLY WITH A CUSTOMER SERVICE REP., IN ORDER TO MAKE A PAYMENT, EXPOSING MY PERSONAL ACCOUNT INFORMATION. THE REP ENTERED INTO THE SYSTEM, THE WRONG CHECKING ACCOUNT INFORMATION AND CAUSED SEVERAL FINANCIAL ISSUES INCLUDING BUT NOT LIMITED TO A REFUND OF THE PAYMENT OF {$35.00} ; A RETURN CHECK FEE OF {$27.00}, ; INTEREST OF {$23.00} ; AND THE COST AND TIME OF CONTACTING THE COMPANY ABOUT ALL THE COST INCURRED. I SPOKE TO A SUPERVISOR, ON OR AROUND XX/XX/2016, AND HAD TO REQUEST THAT THE INTEREST AND FEES BE REFUNDED TO MY ACCOUNT DUE TO THE COMPANY 'S ERRORS. I WAS TOLD THAT THE FEES WOULD BE RETURNED TO MY ACCOUNT, HOWEVER SHE SAID I WOULD ONLY GET ONLY XXXX CENTS OF THE {$23.00} CHARGED IN INTEREST RETURNED TO ME. UPON ASKING HOW SHE CALCULATED ONLY XXXX CENTS WITHIN LESS THAN 2 MINUTE OF SPEAKING WITH ME, SHE LAUGHED AND SAID SHE HAD A CALCULATOR IN FRONT OF HER. I HAD TO REQUEST A CREDIT TO THE ACCOUNT COST FOR THE ERROR ; THE TROUBLE AND INCONVENIENCE AND ALL OTHER COST I SUFFERED FROM, SHE STATED SHE WOULD AND THAT SHE WROTE IT ON HER CALENDAR AND THAT SHE COULD NOT PUT IT INTO THE SYSTEM, BUT SHE REFUSED TO SAY ANY AMOUNT BEING REFUNDED. THERFORE ON AOR AROUND XX/XX/2016, I CALLED CITI CARDS FOR MY ACCOUNT BALANCE TO PAY OFF MY BALANCE, I WAS TOLD THAT THERE IS NO PAYMENT DUE. I WAS TOLD NOT TO MAKE A PAYMENT. THEREFORE, NO PAYMENT WAS MADE DESPITE WANTING MAKING A PAYMENT TO CLEAR MY ACCOUNT OF ANY AMOUNT POSSIBLY DUE. I WAS TOLD NO. ON OR AROUND XX/XX/2016, I JUST RECEIVED MY NEXT STATEMENT WITH NO CREDIT FOR THE TROUBLE, CALLS AND INCONVENIENCE OF WHAT I HAVE HAD TO INCUR PRIOR TO THIS STATEMENT. BUT, THE STATEMENT SHOWED AN INTEREST REFUND OF XXXX CENTS FROM CUSTOMER SERVICE ERROR .. ( NOT WHAT THE SUPERVISOR STATED ) AND NOT THE CORRECT INTEREST AMOUNT. IN ADDITION, I WAS CHARGED INTEREST OF XXXX CENTS OF A BALANCE OF {$23.00}. AN INTEREST CHARGE I NEVER SHOULD HAVE HAD TO INCUR HAD I BEEN GIVEN MY BALANCE ON XX/XX/2016, WHEN I CONTACTED CITI CARDS TO PAY OFF MY ACCOUNT BALANCE IN TOTAL. ONCE AGAIN I HAD TO CONTACT THE COMPANY AND SPENT OVER 40 MINUTES ON THE PHONE TO BE TOLD THAT I WOULD ONLY RECEIVE A CREDIT OF XXXX CENTS OF THE INTERESTED CHARGED ON THE NEW STATEMENT BALANCE AND FURTHERMORE, THAT THEY WILL NOT CREDIT MY ACCOUNT FOR THE MISCOMMUNICATION ON MY ACCOUNT, MISINFORMATION ABOUT MY ACCOUNT BALANCE, ERRORS, AND REFUSAL OF PAYMENT TO PAY OFF MY BALANCE, ALL DUE TO COMPANY ERROR.

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 2017-05-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  incorrectly reported late payments to all   XXXX   (  XXXX   )  major credit bureaus  (   XXXX , Experian and  XXXX  ) although the loans were approved for forbearance. Additionally, I addressed this issue with  XXXX  on   XXXX   XXXX    2016 via f acsimile an d US mail to no  avail.

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 2017-05-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  incorrectly reported late payments to a ll   XXXX   (  XXXX  ) major cr edit bureaus ( Equifax,  XXXX  and  XXXX  ) although the loans were approved for forbearance. Ad ditionally, I addressed this issue with  XXXX  on    XXXX   XXXX  , 2016   via facsimile and US mail to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  incorrectly reported late payments to all  XXXX   (   XXXX   ) maj or credit bureaus  (   XXXX ,  XXXX  and TransUnion  ) alth ough the loans were approved for forbearance. Additionally, I addressed this issue with  XXXX  on   XXXX   XXXX    2016 v ia facsimile and  US mail  to no avail.

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 2016-05-31
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
A few month ago I received an invitation by mail with an offer to apply for Citi Bank XXXX XXXX credit card with XXXX bonus miles after spending {$3000.00} in three month. 
I was approved. I spent {$3000.00} in less than three month. However I recently noticed that I did not receive the XXXX bonus miles. 
I called Citibank. the Rep asked me if I have the copy of the offer. I replied that Citibank must have it. The rep told me that he is starting " investigation '' and that I will hear from Citibank within 24 to 48 hours. Needles to say I never heard from Citibank. So today I call them. The Rep told me that I am not entitled to the bonus points because my previous account with Citibank is close for less than 24 month. 
I entered into an agreement with Citibank. I kept my side of the agreement by fulfilling the requirement as stated in the invitation. Citibank should do the same. If Citibank could n't or would n't keep their side of the agreement the should have denied my application as XXXX XXXX does.

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