BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for a modification and was approved. I made the payments as instructed and and agreed upon. I was not late and XXXX transferred servicing to ocwen and then to phh mortgage both companies refuse to honor my modification that was in place. I paid the modified amount for 10 months and have the receipt. I am under a confidential settlement agreement from court action settled in 2017, which clearly states both parties will bear their own cost of litigation, I am being charged for attorneys fees and foreclosure fees which is a direct breach of the settlement. The bill I received from PHH Mortgage Corporation contains erroneous charges as well as no payments applied. I requested by phone and in writing a validation of debt and correction to no avail. It is my understanding that any company claiming to service a loan where a modification is in place is required to honor the modification or they may not service the loan even if they do not offer that specific product. I have asked phh mortgage To produce any and all documents showing they have to be right to service and or foreclose on said note. I need to be sure of several things before making any arrangements with anyone regarding payment such as the right to foreclose, and is phh the correct entity to make payments to, as well as being billed the correct amount. I was offered and accepted a modification from XXXX  and I expect it to be honored. I have made several attempts by phone to speak with my single point of contact to no avail. I am being told my account has been referred to an attorney for foreclosure rather than getting my payments applied and correcting the errors in the account. I have spent hours on hold to speak with single point of contact and have never been able to speak with him. Please help phh respond and correct. Thank you for your attention regarding this matter. Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
My Student Loans totaling {$71000.00} were closed when I started receiving Social Security XXXX. XXXX reopened CLOSED STUDENT LOANS. I am XXXX XXXX. I have tried to resolve this issue with XXXX. 
I am XXXX years and I have been XXXX XXXX since XXXX. 

My student loans were closed In two parts XX/XX/XXXX, XXXX XXXX XXXX XXXX have harassed me relentlessly calling, send letters and emailing me. 


Attached are copies of closed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: EQUIFAX, INC.
State: TX
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:
Equifax ; XXXX and XXXX are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: KEYCORP
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This past month I noticed that my credit score had decreased significantly via XXXX XXXX   ( it was XXXX in XXXX and is now XXXX. I looked into this further today via my credit report and saw that I had a private loan from XXXX XXXX that was past due. 

I called XXXX XXXX and learned that my loan went from from XXXX XXXX ( servicer ; XXXX ) to Key Bank ( lender ; XXXX ) to collections. The initial person I spoke with from XXXX XXXX said it was over 120 past due ( started in XX/XX/2019 ). He said I could call Key Bank and it would either be handled as a rehabilitated loan or as a default ( paid off so that it no longer affects my credit ). 

Then I called Key Bank and they said I could pay the full balance ( {$21000.00} ) or {$14000.00} as a settlement, or that I could make monthly payments until I could pay off the balance. I told the represenatative I did not have the money to do this and inquired about other options and he said there was nothing they could do. 

I then called back to inquire about the forebearance/deferment status of my loan considering I had just XXXX  as a XXXX XXXX XXXX XXXX in XX/XX/2019. The woman told me to call back XXXX XXXX to ask these questions. 

I called XXXX XXXX and spoke with XXXX who looked into this to tell me that the XXXX XXXX  was not updated by my school ( XXXX University ) about my student status ( forebearance/deferrment as I was a XXXX XXXX XXXX until end of XX/XX/2019 ) until XXXX ( a month after graduation ). 

XXXX XXXX is going to contact Keybank to see if the loan can be reinstated and backdated ( loan and credit ). They told me to check back in 1 to 2 weeks. 

I feel this is unfair as I didnt receive any letters or call notifications ( my parents contact address and phone was in their records ). In addition, my school didnt update the XXXX XXXX regarding my status and in XXXX ( when the loan was expected to start receiving payments from me ) I was defending my XXXX dissertation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-04
Company: MONEY SOURCE, INC., THE
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My last complaint I see was closed but it was not fixed. I responded but I see that my complaint is listed as closed. I simply wanted my mortgage company to report my mortgage and perfect payment history to all 3 bureaus. I complained to the CFPB after The Money Source failed to respond to me after many attempts. The Money Source responded that I was correct and they would report. They reported wrong. 
1 ) They only reported to one bureau. Is this how they treat other customers? Why are they treating me different? 
2 ) They only reported 4 months, their response said they would report from XXXX. 
3 ) They reported that my mortgage is completely paid off and that my account with them is closed. I have an open account with them {$190000.00} mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from a man who was well-spoken and professional sounding asking me to be available within the hour to deliver some legal documents that need my signature. I asked what they were concerning, but he said he was just the courier. I asked who requested the delivery and he gave me a phone number to call - XXXX and this is the tracking number for the documents : XXXX. 
I called and was told that Providian, on behalf of Chase, is taking me to court to recover a bad debt of about {$2500.00} and if I paid by phone, I could settle for {$.00} on the dollar. I told her I didn't have any outstanding debts and said she had the wrong person. She read back my full name, my address and the last four digits of my social. I asked where she got that info and she said that it was listed in the legal papers. I knew this was a scam because in 1999 I paid off and cut up all of my credit cards and I didn't live where I am 20 years ago. I have had no credit for more than 20 years. I never had a Chase or Providian card. I told her to tell Chase/Providian to came on ahead and sue me. I am concerned for all the people they call that actually do have those XXXX. Please stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regarding my mortgage with Capital One Loan Number XXXX. Until XX/XX/XXXX my monthly mortgage payment was {$2200.00} but in month of XX/XX/XXXX you increased the monthly payment to {$5000.00}, without any prior notice and tried to withdrew that money from my account since I was under impression that only {$2200.00} is due so I never bother to arrange any money and the ACH requested got returned and the same this repeated next month as well. I never logged into my account in these two months but when in XX/XX/XXXX I logged back in I saw what happened and requested to take a payment on my account but because of these two unauthorized attempts of {$5000.00}, I immediately called Capital One there was a hold put on my account for Capital One 360 by XXXX XXXX XXXX but anyways I still sent a payment by Bill pay service. Had I knew this payment was coming in XX/XX/XXXX or sooner I would have made arrangements. In last 8 years I was never late leave the missing payment aside ; Even in XX/XX/XXXX bank told me my monthly payment will be {$3200.00} and some change but when I called Capital One 360 On XX/XX/XXXX, I was informed my payment was not {$3200.00} it {$3400.00} and the customer service representative I was talking to XXXX agreed on recorded line with her consent, that it was wrong information provide to me by bank. With this lack of communication from Capital One 360 this all had happened and negative items were reported to my credit bureaus. I request you to please remove this negative reporting for my account from all credit bureau. I do have all proof to prove it. I 'll appreciate this if you just take one thing in consideration that I have be a good customer for last eight years and take care of this and avoid me any further frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX i was coerced into purchasing a XXXX XXXX XXXX from XXXX XXXX XXXX. I was strapped for cash and my credit was at a very low rate to rising bills. At that time i was new to the City in which i reside, with 3 kids, and working from XXXX to XXXX XXXX  in the morning. I had no other transportation nor any family hear. When i originally signed documents to finance a vehicle, the vehicle was a XXXX XXXX XXXX XXXX. I feel as if this was a scare tactic of the Car Dealer to put a person whom they know can not afford a top dollar vehicle, in the vehicle finance, then to only come back with a high dollar amount the dealer knew i could not afford. Then, the dealer ultimately offers the customers a vehicle that with high interest rates and low value, making the consumer feel as if they must take any vehicle they are given by the dealer. 

My vehicle was a XXXX XXXX XXXX, financed at XXXX and it was only valued at XXXX, making the financing company charge me XXXX in interest. At the time of purchase my father had, had a XXXX  in my hometown, in which I was in desperate need for transportation. 

XX/XX/XXXX I lost my job and was out of work until XX/XX/XXXX, I contacted Santander Consumer USA, regarding my payments on this vehicle numerous times due to my ineligibility to pay the high monthly. They afforded me 2 months to make payments but then added the payments to the end of my loan with double interest. 

This past year XXXX Santander Consumer was sued by the state of Georgia due to unfair practices. Where i believe I do fall under the class action suit. When I placed several calls to Santander USA, i was met with rude, unfair telemarketers who was not willing to help. One receptionist even told me " I don't have to give you anything '' when I requested for help with the loan. I informed her of the law suit where the Supreme Court deemed Santander Liable, and able to afford consumers a break. She began to berate me and tell me that i am a grown woman and i should make better choices with my money. I had to hang up because i began to feel nauseous an sick.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18
Company: Experian Information Solutions Inc.
State: WI
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 was in the middle of trying to refinance my home when I saw a XXXX was reporting from XXXX. I tried to get additional information from the court house but they indicated they do not correspond with third parties. I then reached out to the bureaus to try and get additional information and they only indicated that it was verified. If I am unable to obtain the information and I am the one that would have filed it then how are the XXXX bureaus reporting it? I am extremely XXXX because I am only getting the runaround from them. I thought and everything I have seen indicates the bureaus have to be able to actually validate the information. Anyone with a computer can look up XXXX on the internet but that does n't make it true. Also my name is a very common name so how in the world can they just say they verified it with nothing more?

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 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 was in the middle of trying to refinance my home when I saw a bankruptcy was reporting from XXXX. I tried to get additional information from the court house but they indicated they do not correspond with third parties. I then reached out to the bureaus to try and get additional information and they only indicated that it was verified. If I am unable to obtain the information and I am the one that would have filed it then how are the XXXX bureaus reporting it? I am extremely XXXX because I am only getting the runaround from them. I thought and everything I have seen indicates the bureaus have to be able to actually validate the information. Anyone with a computer can look up XXXX on the internet but that does n't make it true. Also my name is a very common name so how in the world can they just say they verified it with nothing more?

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 2017-10-18
Company: EQUIFAX, INC.
State: WI
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 was in the middle of trying to refinance my home when I saw a XXXX was reporting from XXXX. I tried to get additional information from the court house but they indicated they do not correspond with third parties. I then reached out to the bureaus to try and get additional information and they only indicated that it was verified. If I am unable to obtain the information and I am the one that would have filed it then how are the XXXX bureaus reporting it? I am extremely XXXX because I am only getting the runaround from them. I thought and everything I have seen indicates the bureaus have to be able to actually validate the information. Anyone with a computer can look up XXXX on the internet but that does n't make it true. Also my name is a very common name so how in the world can they just say they verified it with nothing more?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Was sent an text message from Chase Bank. At least that what i thought. Which this has happened in the past. So didnt think anything of it. Saying there were transactions on my account. XXXX transactions. Please respond if this is you right not. When i responded no. Got any text saying that someone from the bank would be contacting me about this. Gave this person none of my account information. They just told me what i had to do in the app to dispute this charge. 
Spoke to someone and they advised me on how to dispute the charge. And the money would be refunded to my account on the next business day. When i realized that it didnt happened. I contacted chase the next day about it. And gave full details as to what took place. And money was given back to me. Almost XXXX full weeks later. The claim was reversed and the bank took the money back. Called to see why. I was told its because of the banks policy that they do not support scams. 
So i spoke with supervisor and gave full details of story once again. Even the email address that was given to me to dispute the XXXX transaction. Because i wrote it down just in case something else would take place.and was told they would do there best to get me my money back. Because clearly this was a scam and not a true transaction. Was told i would hear from someone within 10 business days. I had to call back 2 weeks later to see why i didnt receive a call. They told me the claim was still pending and being processed. Called back a week and a half later. Now the claim has been closed. They cant do anything about it. I have to take matters into my own hands out side of chase. If i would want something to be done. Was never called or emailed or anything about my claim being closed. And not being able to get my money back. 
But 2 weeks after being scammed i see it on the news and just 2 days ago i get a email informing use as chase customers. What to look out for when it comes to scams. So i guess the whole world had to lose out on there money beefier it would go public.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2021 I cashed in XXXX points for 2 tickets to XXXX XXXX @ XXXX XXXX. This game was on XX/XX/2021. I never received these tickets. I booked airline tickets for 2 and a hotel which I ended up canceling after numerus phone calls and messages. I did at one point receive a voice mail stating the tickets were emailed to me. This was not true! I did not receive confirmation of such email. Barclays bank owns me those points back.

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 2022-06-10
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 XXXX XXXX resides at XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
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 XXXX XXXX resides at XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief