BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX   XXXX ,  2017 I re ceived written notification of balance owing for the amount of  XXXX . Payment to be received on or before  XXXX   XXXX ,    2017.  I was unable to attend my  XXXX    XXXX   due to  Holiday  on  XX/XX/XXXX  of  XXXX   XXXX . On  XX/XX/XXXX , my  XXXX    XXXX   closed at  XXXX   XXXX . On  XXXX   XXXX ,  2017,  I was informed that there were additional fees associated with the private loan as this loan accumulates at 4.5 %. On  XXXX   XXXX ,  2017, I  sent out a payment in the amount of  XXXX  to be received on or before  XXXX   XXXX ,    2017 t hrough overnight delivery with  XXXX . I also informed company that I will only be paying the amount owing stemming from the written notification received on  XXXX   XXXX  , 2017. Ne w statement received indicates balance owing to be  XXXX . I have contacted company and have left a message with Manager handling my collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Duncan Solutions, lnc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Loaner vehicle customer got a parking ticket in City of XXXX. Under Georgia law, specifically Georgia code O.C.G.A 32-10-64, ( c ) ( 3 ), this parking fine is owed by the driver of the Loaner vehicle, NOT the owner. We have advised the City of XXXX 's agent ( XXXX ) and this collection agency ( Professional Account Management, LLC ) of this law on three separate occasions. However, they continue to pursue this debt against us instead of the customer that actually is responsible for this fine per GA law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: HW Holding, Inc
State: HI
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:
I have informed credit reporting agencies about my issue and waiting for the answer from them, Mean while I heard about CFPB and thought To file an complaint. I used in XXXX 2013 a company call freight center in XXXX to ship household items to XXXX, there was XXXX pallets, as per my knowledge weight was under XXXXlb on each pallet and paid in advance some of {$2800.00} to freight center, they over charged me as per the quote so I called them and they gave me credit for an amount {$85.00} same day. After 4 weeks from delivery of my house hold goods they are coming back with additional {$1000.00} for additional cost which I did not get it, there fore I refuse to pay them an hidden cost and know I see they have hired collection company called XXXX, is showing on my credit report, I am going to attached a proof of documents to prove the payment was maid thru credit card. There fore I request CFPB to investigate and help me to remove this negative item from my credit report, which is affecting me on my business and raised up my family. I am also attaching my credit report to show CFPB I have very good payment history, Thank you. 
SincerelyXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I filed a complaint with cfpb against Ocwen and was led to believe that cfpb would pursue that company and make them repay monies they illegal took from an Escrow account. I was told by cfpb that I would have a response by XXXX/XXXX/15. It is now XXXX/XXXX/15 and I have not heard from either. 
I guess you guys just accept complaints and do nothing about them. Just another new, but not novel bureaucracy to inspire hope but deliver exasperation. 
Thanks a lot people for putting my taxpayer dollars to good use, once again. 
Case # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
During the buying processing of a home under construction, we applied to Wells Fargo for a small loan ( {$20000.00} to {$30000.00} ) and was told we would have to pursue an unsecured loan until the home was completed and we actually owned it. We were approved for the unsecured loan, but the actual percentage was higher than what was originally quoted. 

After the home was completed, we then applied for the line of credit loan, again quoted one percentage rate, but first had to have an inspection. The initial bank response was that it would most likely be a `` drive by '' inspection because we were asking for {$50000.00} max for a {$300000.00} plus home. In approximately 2-3 weeks later an inspector came by for a walk through. One week later, we were told that the walk through was n't good enough and that we had to have a full inspection. A couple of weeks after the inspector came through. We were finally approved for a line of credit loan, again at a higher rate than originally quoted. During this time frame, we were paying a very high interest for an unsecured loan. We feel that Wells Fargo intentionally prolonged the processing time in order to collect additional interest on the unsecured loan. 

After the the line of credit was approved and due to the very frustrating process that we encountered, we proceeded to work with another bank and secured a line of credit within four weeks. We paid off the original line of credit amount with Wells Fargo. 

Because we paid the loan off before a three year period, we were told we would have to pay an additional {$300.00} if we closed the account.. We elected to leave the account open. We just received a bill for {$75.00} for the first year period because we were maintaining an account with a XXXX balance. We were told that we would have to pay this amount each year for 3 three years because the account was still opened with a XXXX balance

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 2020-09-14
Company: Square Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had an account with XXXX XXXXXXXX XXXX XXXXXXXX for over 3 years, but have only done 2 transactions with it. Each time it was the same type of transaction, transferring funds from my personal credit card to my personal checking account. The transfer didn't provide any benefit to me, it was just moving funds from one place to another. 

The first transfer in early XXXX caused no problems. When I did it again in XX/XX/XXXX, however, Square closed my account with no warning. They did accept the {$30.00} or {$40.00} fee I paid them, however. The transfer was for {$790.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
US bank closed my account ; as there were attempts at fraud on my debit card ; and credit cards with them.I received a call ; and she says ; well you are in Texas where we have no branches there ; find a new bank there.This was XX/XX/XXXX.So far one excuse after another why the money left in the acct. have not been returned in 40 days.Imagine if that was my life savings.Many calls ; no action.

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 2022-09-02
Company: EQUIFAX, INC.
State: TX
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:
I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed XXXX {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX XXXX Owed : {$7400.00} ; XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$49.00} ; XXXX XXXXXXXX Balanced Owed : {$870.00} ; XXXX XXXXXXXX Balanced Owed : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed XXXX {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX XXXX Owed : {$7400.00} ; XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$49.00} ; XXXX XXXX Balanced Owed : {$870.00} ; XXXX XXXXXXXX Balanced Owed : {$2600.00}

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 non-monetary relief
Consumer complaint received 2017-05-24
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am at the tail end of a short sale with the property. There is a very good cash buyer that has put in a serious offer considering the repair the property needs and we are almost done with the short sale. The  XXXX  lien position has agreed to the value and has submitted their approval letter on the file, however the  XXXX  lien position is stalling and even though we have asked them several times to postponse the foreclosure sale date to allow adequate time to negotiate short sale and allow time for the bank to respond, they have not wanted to postpone the foreclosure sale date. The seller 's family who lives in the home ca n't possibly relocate so quickly. There is a veteran in the home, the seller 's husband who is on   XXXX   XXXX    XXXX . The bank, Chase, has once offered them a {$30000.00} relocation incentive, and now will only offer {$3000.00} but not even sure if they would postpone foreclosure as they are doing everything they can to divert the sale and not provide responses. They have avoided the issue of postponing the foreclosure sale date several times. The sellers are scared, they do n't know where they are going to go, especially with the husband and his  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the XXXX breach, on which I've learned happened multiple times from XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.

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 2016-12-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company refuses to report any of my on time payments to any/all credit bureaus. My credit record does not reflect the last four plus years of monthly payments. As a result, my credit score has suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Ocwen Loan servicing allowed a mortgage to obtained in XX/XX/XXXX by a forgery, I advised them of this when I found out about it, Ocwen has released me from the loan and responsibility of the mortgage. However they only removed derogatory remarks on my credit from XX/XX/XXXX forward, since this loan was a forgery and I was not aware of it, I would like all derogatory marks on my credit report removed from the start of this forged loan as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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  Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX- # XXXX XXXXXXXX XXXX XXXX - # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I DID NOT GIVE TRANSUNION, XXXX, XXXX WRITTEN INSTRUCTION

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 2020-03-25
Company: Trojan Professional Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX. XXXX XXXX was our family XXXX  when we lived in XXXX in XXXX. We had medical insurance, the same medical insurance that we have had through the XXXX XXXX XXXX. XXXX. XXXX 's performed XXXX  services which were both covered by the XXXX XXXX and covered by independent payment. Our mailing address changed from our address on XXXX XXXX to our address in XXXX XXXX in XXXX. We did not receive any forwarding mail from XXXX office in regards to an outstanding bill. When I contacted the XXXX office about his recently, the billing clerk told me that " they just decided to submit the claim in XXXX '' and that they " never got any return mail back from the old address so ...? '' In other words, the clerk took it upon herself to send it to an independent collections collector ( Trojan ) to collect on a debt that I am not responsible for. Furthermore, it would be impossible for us to have been seen in XXXX in XXXX when we did not live there and also had another XXXX  at that time. They also took advantage of submitting a debt on my son XXXX XXXX 's credit report in which he was seen under age and not responsible for his XXXX  care at all. The medical clerk did admit the original date of service, insurance and the fact that we did have insurance and the fact that they were not sure of our mailing address. XXXX. XXXX 's office sold the debt to Trojan Collection Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-17
Company: Cooper Hoffman Klein Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My wife, employer and I have received multiple calls daily for the last week regarding a legal matter. Messages state that court papers would be filed in my County of residence. When I return calls no one will give me specific information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX    XXXX   XXXX   : Amount : {$4900.00} I had called before and closed the account and made payments arrangements on the account faithfully! That was probably sometime in  XXXX . I made all payments as agreed on the closed  XXXX   XXXX   XXXX  which they have agreed to.     Then in  XXXX   XXXX  ; I had to have   XXXX   XXXX    XXXX  and had complications ; so I was out of work for at least  two ( 2 )  months ; and had reduced pay ; so I was not able to pay the amount owed ; I called them at least three times to discuss ; and the collection agents were not negotiable at all and said I had to pay the whole amount. I told them I could not and they said well you have to pay. I tried to negotiate a lower payment and they did not want to listen and they were just rude agents. Their tactics were not good. I tried to pay like {$25.00} toward the bill and they would not agree. They basically hung the telephone up on me!     They are suing me now ; which I do not think is right ;  XXXX  is in Bankruptcy Court and they are having financial problems so they should work with their clients also in this situation as they know financial troubles also.  XXXX  is who the  XXXX   XXXX  was affiliated with.     I would like to pay {$25.00} per month on this bill as I am attempting to do something. I do not want to go to court or be sued or garnished wages in this endeavor.     Any assistance or counsel you can give in this matter with   XXXX   will be greatly appreciated!!!      XXXX   XXXX   XXXX  XXXX  XXXX  For  XXXX   XXXX  - Debtor

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I friend XXXX dad sent me a friend request on XXXX last night and I accepted. He started off by telling me if I had heard from the XXXX and I said said no what is that? He said he had seen my name on the list and to text them at XXXX. I did because I know and trust him. He stated t he had received money and that since he seen my name on the list I need to contact them. I was connected to a XXXX XXXX and he asked me some questions and said I indeed was eligible. I had XXXX XXXX 's dad telling me me what to do through XXXX. I did what he asked and I sent XXXX through Money Gram this morning. Come to find out XXXX 's XXXX account had been hacked and I was not speaking with him at all. I did not know this at the time. I have made copies of all messages between both men. I was deceived and scammed by these men! I am on Social Security XXXX and can not afford to lose XXXX. I was up until XXXX researching this and did not feel right, but thinking XXXX was XXXX I trusted him. I am now out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: IN
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:
1 ) In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy.

15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
2 ) In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy.

15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

3 ) In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXXhas violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
4 ) In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy.

15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
5 ) In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy.

15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
6 ) In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief