BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just received a mortgage account statement from OCWEN LOAN SERVICING, LLC in the amount of {$8700.00} ( Mortgage Account statement dated XXXX attached ). OCWEN LOAN SERVICING, LLC has failed to provide any explanation or detail as to how this amount was specifically calculated. OCWEN LOAN SERVICING, LLC lists in its description of the mortgage account statement the principal payment, interest adjustment and charge - short payment, for figures of {$4200.00} and {$260.00} and {$3900.00}. Where did OCWEN LOAN SERVICING, LLC specifically compute these figures from, how and when did they specifically originate? OCWEN continues to make widespread errors on my account and needs to remove these bogus 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 2022-01-20
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC  # XXXX XXXX XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CREDIT COLL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX I asked how much in late fees I owed and on XX/XX/XXXX I got a letter saying I only had {$12.00} in late fees on my student loans. I wrote a check dated XX/XX/XXXX for the {$12.00} and I specifically stated I wanted the money to go for the late fee. I even wrote on the front of the statement that I wanted it to go towards the late fee. On XXXX, XXXX I looked at my account and they had charged me the late fee and didn't apply the {$12.00} towards the late fee as I asked. Furthermore, I emailed them to ask why they didn't apply it to the late fee and they ignored me. I have a duplicate of the check I wrote included in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is not my account my account. I did receive any mail with the opportunity to dispute. Please provide validation of the debt, method of verification and Assignment of debt. Please Delete ASAP. 

XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In mid XX/XX/2021, Citibank ( Home Depot ) was alerted to a spectacular failure on a third party order to XXXX XXXX XXXX XXXX delivered windows and a door to two job sites which had an eight-five ( 85 % ) percent failure rate in operation and wood workmanship. XXXX was called in to assess remediation immediately following installation of windows delivered in multiple shipments in late XXXX in XXXX XXXX, CA. XXXX decided that three of the large window frames and one medium sized frame should be rebuilt! XXXX said it would repair the other defective medium and smaller window frames. XXXX later backed out of making these repairs. This resulted in my request for a full refund with some compensation for our installation costs of a severely failed window order for a two-story home and a second remote building. 

Having alerted Citibank for a full refund for their portion of the charge on my Home Depot credit card of {$20000.00} out of {$28000.00} and receiving an acknowledgement letter on XX/XX/2021 of my disputed charge. Citibank proceed to not record this dispute on my XX/XX/2021 statement, as required by law. Citibank claimed that it had not had enough time to do so. Their representatives claimed that they needed seven ( 7 ) to ten ( 10 ) days following the notice of the dispute to do this. This is a false statement. Even if one took this comment at its face value, Citibank would still have had an additional three more business days with which to place a notice of the existence of my dispute with XXXX XXXX via XXXX XXXX on my XX/XX/2021 statement. Citibank failed to act in timely manner to post the existence of my dispute, as required by law. 

There is also an no indication that Citibank is addressing this dispute in a timely manner or at all. As you may infer, there is another credit company involved in this dispute which immediately posted the presence of my dispute and sought additional information from me. This other company is nearing placing my charge back refund on my account in the next few days, likely this week or before the end of XX/XX/2021. Citibank has without due diligence in my dispute. Thus, I am seeking assistance to compel Citibank to correct my erroneous XX/XX/2021 statement and accelerate looking into and resolving my legitimate refund charge back request.

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 2022-01-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There is a collection on my Experian report and another account I don't recognize that don't belong to me, I have written and called Experian to remove this and no luck. Please help.

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 2017-08-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello, I was using XXXX constantly for sending/receiving XXXX. But because I visited XXXX XX/XX/XXXX-XX/XX/XXXX this year, my account was disabled because of sanctions between XXXX and US, I guess. I received an email which said I need to contact support team of Coinbase to enable my account, but I could n't reach them for the last 2 weeks. I am reaching you with the hope that you can help me enable my account, or at least help me get back those funds left in my account. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX  XXXX XXXX, During the time my loan was in deferment I was reported to the credit bureaus that was late on payments. I had to call the company and straighten it out each time. I had to dispute this through the credit bureaus because they took forever to correct this issue. This would happen XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now again XX/XX/XXXX. I am making a complain now because I started paying on my loans in XXXX and was current. My mother the cosigner is in the process of purchasing a property. I called immediately to rectify this with the company to say I am current and this needs to be fixed immediately because you are going to cost my mother a loan. The customer service stated that he didnt see that they reported anything on my account, I had to take a screen shot of my credit and send it to him proving that they did report a 30 day late on my credit. My mothers credit went down 90 points. I have been calling for updates and keeps getting the run around. Its almost been a month and still no change.

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 2022-01-20
Company: Experian Information Solutions Inc.
State: CA
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 sold my home and paid off my loan in full with XXXX XXXX XXXX. 

They failed to remove my paid-in-full balance so I filed a dispute with Experian. 

Up to this point I have had perfect credit for 50 years. 

On XX/XX/XXXX, XXXX XXXX XXXX, not on my credit report, but in their response to Experian. used someone else 's credit information on my account in error. Specialized 's dispute response said erroneously ; 1. That I had missed two payments 2. That I was 60 days past due 3. That I paid off my loan for less than the legal amount owed. 
ALL OF THESE WERE FALSE AND NEVER APPEARED ON ANY CREDIT REPORT. 

Experian/FICO took this response and lowered my FICO score XXXX points in one day. 

I contacted XXXX XXXX XXXX and explained the situation and they kindly corrected the error with Experian/FICO within 72 hours and apologized. That should have solved the problem but it has been a year now and the problem still exists. Here is the problem ; When Specialized corrected by record Experian/FICO only made the correction on one of my FICO Score Cards, my FICO Score Card # 8, which went back up XXXX points. THEY DID NOT HOWEVER MAKE THE CORRECTION ON ALL MY OTHER FICO SCORE CARDS ( There are 7 OF THEM ). All which to this day still show the false derogatory information set forth above. The 7 score cards are damaging my reputation and credit. I can not buy a car or get a new bank card with the false negative information they still have on my FICO score cards. 

When I filed my last complaint with you, ExperianXXXXFICO responded they rely on the creditor information. The creditor in this case did correct the record but Experian/FICO did not. IT IS UP TO EXPERIAN OR FICO TO CORRECT THEIR OTHER SCORE CARDS. A CREDITOR CAN NOT DO THAT. AND, NOWHERE CAN ANYONE SHOW IN MY 50 YEARS OF CREDIT HISTORY THAT ANY DEROGATORY HAS EVER OCCURED. 

On XX/XX/XXXX I sent a certified letter containing dozens of pages of proof to Experian Legal Department following their specific instructions. All they did was open up a new dispute with XXXX XXXX XXXX which will accomplish nothing. XXXX already shows me with perfect credit and paid off as agreed. There is nothing XXXX XXXX XXXX can do to correct negative information still appearing on my FICO SCORE CARDS 2, FICO AUTO SCORE 8, FICO AUTO SCORE 2, FICO BANKCARD 2, FICO BANKCARD SCORE 3 AND FICO BANKCARD SCORE 8 all which are currently reflecting erroneous negative information.

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 2022-01-20
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Credit Bureau is reporting inaccurate information on JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Payment method : Chase XXXX I sent this person {$2000.00} ( {$500.00} each time, 4 times, from XXXX ) by Chase XXXX XXXX purchase an used XXXX Bag on an APP called XXXX ( similar as XXXX ) XXXX But it turned out she gave me an tracking number, which I confirmed with XXXX, it was a package from XXXX, instead of personal package. And because this package was delivery to an different address instead of the one I provide to her, I received nothing. 

I told with this person, she insist the tracking number was correct and refuse to refund. 

I am very willing to provide all evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Consumer advised Bank of America over the phone and later-on via a complaint filed on XX/XX/XXXX that is still available in CFPB database requesting an opt out of overdraft fee. Bank of America fraudulently kept the consumer in opt-in status thus charging two {$35.00} fees for a {$3.00} and {$4.00} charge in XX/XX/XXXX. This complaint represents a new perspective to a previous compliant and highlights the concern that Bank of America is fraudulently collecting its fees despite consumer not wanting to be in the opt-in for overdraft fees. 

The following consumer request is still in CFPB prior complaint dated XX/XX/XXXX " I would like the bank to reverse the {$35.00} fee, Opt me out of the over draft protection that I never signed for and apologize.

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 2022-01-20
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The Truist Bank located at XXXX XXXX XXXX XXXX in XXXX North Carolina XXXX is abusing overdraft fees and incessantly charging customers unethically. Arranged configured alerts to notify customers of an overdraft are not being delivered timely and Truist is taking advantage of customers while offering no service or reasonable solution. 

The Truist mobile and online banking platforms erroneously market and sell real time updated data availability to their customers but are lying and fraudulently selling this service. Truist then entraps customers in a repeated overdraft fee cycle while falling to honor established alerting notifications that allow a customer to rectify the balances. 

" Truist online and mobile platforms do not reflect accurate accounting balances in line with what they market and sell. '' I was charged 5 consecutive {$36.00} dollar overdraft fees on the same day and time without a pre-configured and arranged alert message being received to notify me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Avant Credit Corporation
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XX/XX/2017 I was one of the potentially affected accounts by the Equifax security breach. According to equifax its possible that names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers have all been comprimised and I 'm now vulnerable to Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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: Information belongs to someone else

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4000.00} XXXX  {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX AUTHORIZED USER Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 explanation
Consumer complaint received 2022-01-20
Company: KEYCORP
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a Client of Keybank who has been barred from calling or entering a KeyBank Facility due to not wearing a mask in their branch. After KeyBank made an error that they refused to fix, I filed a complaint with the CPFB. After filing the complaint KeyBank 's solution was to close my accounts and " exit '' my relationship. They closed my XXXX deposit accounts, but my mortgage, credit card and investments are still at KeyBank. I received a letter threatening me with legal action if I call or enter a Keybank facility. I can not call to get my online banking unlocked. I have also elected for online tax forms and mortgage statements. I have to send my XXXX XXXX XXXX son into the branch with cash to make the payment. 


I sent a letter to XXXX XXXX but haven't received a response in 2 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
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:
Spoke to bbt, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on chexsystems. I have also today ( XX/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the chexsystems file immediately.

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