BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-28
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
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:
sent ftc violations previously on these accounts The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices XXXX  XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX/XXXX Unauthorized charges

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 2022-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I asked Equifax to remove inquires off my account that I did not recognize. Their response was that I had to submit supporting documents to remove the inquires. I stated to the Equifax representative that I would have not supporting documents since the inquires were not authorized by me. Unfortunately, they kept saying I need supporting documents. 
The Inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I 've had two refinances with Chase Bank. They frequently call ( people not known to me from the bank in different departments ) calling to verify information and first ask for social security information. This is despite their own websites stating : " Do n't give out financial information such as checking account and credit card numbers -- and especially your Social Security number -- on the phone unless you made the call and you know the person or organization you 're dealing with. Do n't give that information to any stranger, even someone claiming to be from Chase. " https : //www.chase.com/digital/resources/privacy-security/security/how-you-can-protect. 

This process has delayed closing of loan applications and causing additional payments in interest and frustrating overall. 

This process is systemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Synovus Bank
State: LA
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 agreed to do a pay for delete with a credit card that I had with 1st Progress/ XXXX XXXX. I paid an account off in XX/XX/2019 that was charged off to collections. After paying the account off 1st Progress did not delete the account like they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX c/o PHH Mortgage gave a 3 month forbearance when I called to attempt to work with them, secondary to losing my job due to CoVid-19. 

They gave three months forbearance, BUT ALL THREE MONTHS ARE DUE AT THE FOURTH MONTH! 

They are praying on people during a horrible time! 

In addition, they continually send me mortgage statements that do NOT spell out how my previous payment was applied, and even have all the information, including the payment amount, listed as XXXX! I called and told them it was against the law and their response well, we are sending you out corrected ones, so not sure what the issue is

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Debt Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Have sent a letter and called XXXX XXXX to Remove FALSE Inaccurate Credit Information that is being reported on my credit reports from Debt Recovery Solutions : Alleged acct number XXXX To whom it may concern : I have received a notice from Debt Recovery Solutions for debt owed in the amount of {$3100.00}, which I am declaring completely fraudulent. I obtained a copy of my credit report and after reviewing the information, I noted that inaccuracies have been placed again on my credit report regarding XXXX XXXX. I have NEVER had an account or heard of XXXX  XXXX  XXXX. This information has been placed on my credit report now for the second time after initially being corrected. How was this verified and approved?, Where are my signatures, where was the money deposited or a check written to? 
Here are the factual items in which I am disputing : 1. This Debt is NOT and NEVER has been associated with me 2. I am reporting this a FRAUD 3.Re-insertion of fraudulent ; incorrect information, AFTER it was corrected when it was sent to a previous debt collector. 
I formally wrote notice to XXXX to correct my credit report and now I have to send the XXXX and XXXX. Please note that this inaccuracy has been reported twice. 
Following the conclusion of your investigation, please send me the results of the corrections via MAIL. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: BROCKELBANK INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX  Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind on my mortgage due to financial struggles in my small business.   in   XXXX   XXXX   started to try to work with bank of America to file for a hardship loan. the process was starting out ok but as the process continued time had pasted with no feedback.So I contacted them to find out they wanted more info from me. Which I provided. never contacted me by phone again finally get a letter stating if I do n't contact them soon the forecloser process will continue and I will loose my  home.Contacted t hem again gave them more info they needed still no call back.I called about  XX/XX/XXXX  they again want more info and had questions.   At this point I 'm very concerned I 'm going to loose my home. I run my own small business and do n't have time to keep following up on something they should be following up on.   Please help me stay in my home and get my mortgage back up to date.   At this time my loan has now gone in default 8 months because bank Of America told me " not to make payments they will not be applied to my loan '' This similar experience happened in  XXXX  when Bank Of America " without my consent '' payed  2  past years and escowed 1 year of taxes then wanted all the money back. So to resolve it I had to put my home into foreclosure and apply for a hardship loan.   I was forced into that situation before that I was never late on my loan.It also continued to cause trouble getting mone for my business because it made my  credit score  drop very bad. and now once again this situation is causing my score to drop.

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 2020-03-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Servicer Select Portfolio Servicing ( SPS ) Loan Number XXXX @ Property Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Alleged servicer is engaged in Consumer Fraud for asking to pay without any Mortgage Statement and Balance in Violation of RESPA. I am being forced to sue Servicer Select Portfolio Servicing for Consumer Fraud and RESPA violation. Servicer Select Portfolio Servicing ( SPS ) is not a true servicer rather it is shady, illegal and foreclosing operation and its whole purpose is to Manufacturer Foreclosure by Fraudulent Means, as evidence gathered from many people who had loan serviced by. Furthermore, for XX/XX/2020, I have paid to the previous Servicer - XXXX on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/17 at XXXX I checked the balance on my checking account. It was about {$23.00}. The very next morning I checked the balance again at XXXX and it was - {$160.00}. I reviewed the information and found that several things had posted overnight which caused the overdraft. I knew a deposit needed to be made ; however, when I checked the balance I assumed I could make the deposit the very next morning. I contacted the bank about this matter and was informed that all of the posting actually took place after XXXX ; at which time it would not have been possible to rectify the problem before the overdrafts were charged to my account. This statement was confirmed by the bank employee. In my opinion this is fraudulent activity, equivalent to thievery and cheating customers out of their money. It should be a customer right to resolve any issues before fees are charged. This posting that were put through were also put through with the highest amount first which brought on the overdraft immediately and then proceeded to run the rest and accrue overdraft fees for all of them. I was told by the bank that because this was n't their mistake that they would not help me resolve this problem. This is a prime example of a big corporation taking advantage of the average consumer. Their should be laws in place that govern this type of bank activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am concerned that my personal information has been compromised. I am a XXXX employee which were compromised in the giant Fed hack recently. I have had fraudulent charges appear on at least XXXX of my credit cards recently, both individual accounts and authorized accounts. Additionally, at least Equifax includes both an incorrect address and an incorrect " alternate '' social security number for me. Those appear to be typos as they are only off by only XXXX or XXXX digits, but I 'm still concerned due to exposure in at least the hack on the XXXX database. Also, I 've been the target of phishing attempts that show evidence that thiefs have at least some of my personal info at their disposal. I would like to get an alert or something in that vein to alert potential creditors of potential identity theft or fraud. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our firm represents XXXX XXXX, 21-year owner of the property sold on XXXX XXXX, 2015 via trustee 's sale. We believe that sale is invalid, and in violation of RESPA. We are asking the CFPB to contact the servicer, Ocwen. A third-party purchaser issued the consumer a five-day notice to vacate, so we are immediately seeking to have Ocwen rescind the sale, on the grounds that it is invalid. 
XXXX XXXX is XXXX was XXXX in active loss mitigation, yet Ocwen foreclosed. Ocwen entered a trial payment plan with XXXX XXXX in XXXX 2015. Attached is a statement which makes note of the establishment of a TPP. We have payment stubs that evidence the consumer was performing under the Plan ; payment receipts for the months of XXXX, XXXX, XXXX, and XXXX 2015. 
Ocwen neither denied a permanent modification, nor granted XXXX. It issued nothing in writing to the consumer, and consumer continued to perform under the TPP. 
Despite a live loss mitigation that includes a TPP, Ocwen foreclosed on the consumer 's property. The Trustee executed its sale on XXXX XXXX, 2015 selling the home to a third party. The Notice of Trustee 's Sale is attached. ( The sale executed on XXXX XXXX although you may notice that the original Notice of Sale schedules it for XXXX/XXXX/2015 because Arizona law allows foreclosures to proceed any time thereafter without rescheduling/fresh notification ). 
We believe the sale was prohibited by the federal regulations that place a moratorium on foreclosure during loss mitigation. During a Trial Payment Plan, that moratorium is absolute : no trustee sale may be executed during performance under a trial payment plan. Specifically, a servicer may not conduct a foreclosure sale if a borrower is performing pursuant to the terms of an agreement on a loss mitigation option. XXXX C.F.R. XXXX ( j ). 
If Ocwen alleges that it denied a permanent modification, we point out that we have no written notice of denial as required under the regulations, and notwithstanding any denial, the timing itself of the sale may have violated other provisions of RESPA. A borrower whose complete loss mitigation application results in a denial for any loan modification also has a right to appeal the denial if the servicer received the complete loss mitigation application 90 days or more before a foreclosure sale or before the date for a foreclosure sale is set. 
Immediate action is required in order to limit liability and an independent action for damages, which our research indicates may be appropriate under these facts. We are requesting the rescission of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in review for a loan modification and have a sale date scheduled on XXXX/XXXX/15. I had previously been approved for a loan modification but the paperwork was sent to the wrong address because my property has XXXX XXXX. Needless to say I never received the paperwork and now I have to start over. Now I am being told that because I have a foreclosure sale date on XXXX/XXXX/15 there is not enough time to complete the modification review. Please help get the sale postponed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Zenith Financial Network Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX and XXXX representatives have been repeatedly calling me and everyone I had listed as references on their application, friends and family, calling them repeatedly, even after they said to stop calling, but continue to call XXXX times daily since XXXX XXXX, 2015. They have also inappropriately shared sensitive information to these XXXX parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Ocwen Loan Service Approved a loan Mod for us in XXXX XXXX after a ton of hassle and complaints and denials. I mailed in the contract and 3 trial payments and 1 additional payment in XXXX XXXX. XXXX XXXX I rcvd a letter saying they never got the final contract. I then faxed it. Ocwen then said the signatures did n't match. So resigned and faxed it again. I edited the contract. The amount owed in the contract showed {$20000.00} that was to be deferred principal balance and would n't have to be paid right now, but a non interest balloon payment. However when I recvd the late notice and the statement, they showed different amounts. The late notice showed {$18000.00} and the statement showed {$18000.00} as of XXXX XXXX. So why would I repay {$20000.00}? In addition the balloon payment was n't for {$20000.00} it was for $ over {$70000.00}. If the {$20000.00} was non interest then why is the balloon almost 4 times the original amount? I line marked the changes in the contract and they would n't except the contract with the changes. I resigned the contract with the wrong repayment amount and the crazy high balloon payment, but they then wanted 4 additional mortgage payments per a letter, I recvd in XXXX XXXX with in 22 days of that letter we sent FIVE payments to them. About 3-4 weeks later we recvd another letter saying we were be denied for none payment. Apparently they had emailed us a letter telling us they needed another payment. In all the correspondence, in 2 years they had NEVER emailed anything without request, but they did this one letter that meant we would be denied our modification. Since then they had unrealistic requests like 9 payments, etc. I also rcvd monthly letters from Ocwen offering me assistance with modification, but when would try and log on it would say you ca n't apply right now or it would show a pending modification, but I rcvd denial letters. In XXXX XXXX I rcvd a letter thanking me for application for assistance which I still had not been able to sent after several attempts, but they charged my account for a XXXX property inspection FEES in like 2 months and sent me a property evaluation and {$100.00} evaluation fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CITIBANK, N.A.
State: PA
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:
Recently I contacted Exxon Mobil because of the XXXX XXXX, I was unable to make a payment on time and asked if I could make the payment at the end of the month namely XX/XX/XXXX. On XX/XX/XXXX I made the payment. In the evening of that same date, I received an email from Exxon Mobil. It stated, " Our decision to decrease your credit limit was primarily based on recent delinquency on your account. '' My recent delinquency was due to the XXXX XXXX. They also stated, " Our credit decision was based, in whole or in part on information obtained in a report from the following consumer reporting agency : XXXX ''. I'm not sure where they got my report because I have a security freeze on my report for over 15 years. They go on to say, " As of XX/XX/2020 your credit score is XXXX. '' How in the world can my credit score be that low when my bank just gave me a loan to purchase a fence in XX/XX/2020? Additionally, as I previously stated my account is frozen. I am being held heavily accountable due to this virus with a company who seems to be lying to me and discriminating against me for reducing my credit amount which has an effect on my credit score. How is this so? I spoke with XXXX from the management team who put me on hold for twenty minutes and then the phone magically disconnected. He never called. I called back and spoke with XXXX, who wanted to argue that Citibank does not discriminate and my credit score is not my Fico score. I guess she thinks I'm XXXX. She had an illogical answer for everything and tried to make it look like I am constantly delinquent by stating you've been delinquent 2 times. One of which is due to the XXXX XXXX. I guess she believes that I purposely went to XXXX, XXXX XXXX XXXX and brought it back to the United States. The bill was due on XX/XX/2020 and it is now XX/XX/2020. This company was in a rush to mark things against me credit wise because I am Elderly and am an XXXX  female.

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 2021-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I filed a complaint about fraud items reported on my credit report around XX/XX/2021. The items included XXXX XXXX for XXXX and XXXX XXXX for XXXX. Both items are appearing on my Transunion and XXXX reporting. Its been over 30 days and the items were not resolved still pending investigation. I also disputed hard inquiries on such as XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX which has yet to removed as well

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 2017-05-23
Company: EQUIFAX, INC.
State: IL
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 contacted Equifax to have them remove an account on my credit report that does not belong to me and was re-aged. Equifax stated that this " time-barred '' account would remain on my credit report.

Company response to consumer: Closed with explanation