BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed this XXXX CREDIT CARD ACCT. XXXX ... .. 
multiple times for changing inaccuracies.At this moment, the acct. is under dispute for missing the XXXX dollar minimum pymt. amount on the report, paid by me finally on XXXX/XXXX/XXXX. 
But the meat of the dispute is that the acct. contains fraudulent, illegal charges by the creditor from date of 1st delinquency until charge-off.The XX/XX/XXXX Credit Card ACT, which was fully implemented in XX/XX/XXXX limited by law the amount of late penalty fees, interest, over-the limit charges etc.This law substantially reduced my contract amounts charged to me.THE XXXX DOLLARS BALANCE AND CHARGEOFF AMOUNT ARE FRAUDULENT.THE AMOUNTS CALCULATED FROM MY DEFAULT ARE LEGALLY AND NOT MARGINALLY EXCESSIVE.THE PAYMENT HISTORY IS CORRECT, THE XXXX DOLLAR MIN PYMT NOT SHOWING IS CORRECT ... ..WITH THESE AMOUNTS, AND CONSIDERING THAT MY ACCT WAS CLOSE TO THE LIMIT BUT UNDER IT ... ..AND I WAS NOT OPTED -IN FOR OVER THE LIMIT ... XXXX IT IS VIRTUALLY IMPOSSIBLE TO ARRIVE AT A XXXX DOLLAR BALANCE WITHOUT MULTIPLE VIOLATIONS OF THE XX/XX/XXXX CREDIT CARD ACT.Experian either knowingly or negligently has colluded with a financial criminal and allowed the negative reporting to be used as an extortionate tool against me.Too many times Experian has allowed the verification of incomplete and inaccurate information on this acct.Unless Experian can prove duress ( XXXX threatens them ), Experian has no excuse for false incomplete, continuous verifications.

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 2015-11-23
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Purchased home in XXXX 2013. Bought specifically for potential equity position in rapidly growing and valuable area. Put 5 % down knowing that in a few years my home would be worth enough to justify PMI removal. After requesting PMI removal in XXXX this year, it was denied because I had XXXX late payment while I was out of the country and my servicer did not have online capabilities and I could not phone. they would not waive this late. Due to this late, I was instructed to start the process again in XXXX this year. The only method of contact for my servicer 's PMI department is email. They have no phone number and no one to contact, just have to email and hope. After several emails, I received a letter saying the removal was denied bc my home was not at 80 % LTV. It is in fact at 75 % LTV and even that tax recirds indicate so. I sent in a dispute and have followed up weekly for six weeks with no action form my servicer. I have spent countless hours on the phone and have sent numerous emails, the most recent being a " fifth and final request '' in the subject line and within the body stating that I was going to seek external assistance, which I am doing now. 
My PMI is $ XXXX/month and so far I have spent an extra {$3000.00} annually on this insurance that no longer applied to my credit terms and by my servicer 's determination I have paid an extra {$560.00} because of their lack of action ( the discrepancy there is due to the date I think the PMI should have been removed VS the date they claim )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have continued to dispute this on my report for years. The company ca n't show me proof of a signature or delivery of any goods or any payments made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I made a settlement arrangement with American Express for 24 monthly payments. I have been making these payments via phone for 12 months. I have asked repeatedly for the people I deal with ( American Express Global Collections ) to send me written confirmation of my payments and they refuse. When I press the matter, they hang up on me. When I call the general American Express customer service number, they refer me back to the American Express Global Collections number. I am getting nervous about paying such a large sum without written confirmation. I have no idea who these people are or if they are indeed working for American Express. And I have no idea if once I complete my payments, American Express will consider my debt settled. It is all very vague and sketchy, and I ca n't understand why I ca n't be sent written confirmation of my regular payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen  /  XXXX   XXXX . Sent me modification paperwork, while the paperwork was still under review  by Ocwen they submitted our home for foreclosure. I have never received any notice from Ocwen about  the foreclosesure. The only reason I know about the foreclosure is from all the advertisements in my mail as well as people driving by ( which is scaring my children  ) and pe ople calling me. I received notice  XXXX / XXXX /  XXXX   that  Ocwen will not modifiy my loan. Based on the modification letters and dates, Ocwen never planned to modify my loan. I still have never received any thing from Ocwen  stating they were going to foreclose. I am a single parent with  XXXX  kids at home,  XXXX  of the children are   XXXX   XXXX   XXXX   XXXX  and have special medical equipme nt. One of the  children was born   XXXX   XXXX   XXXX  , only has a   XXXX   XXXX  .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and spent over a month a  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX  level   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , he has   XXXX   XXXX   XXXX  . My children and I have been through alot.    Ocwen is terr ible with paperwork, dates, payments, amounts, etc. Their information is incorrect on most of their paperwork and documents. I sent them a QWR letter to request verification last year On some of the things I asked they could not respond since they did not know.   I realize this is short notice, but I just received the information.   Thank you for your time.    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a debt validation to the collection company ( Midland Funding ) on XXXX/XXXX/XXXX The company received the debt validation on XXXX/XXXX/XXXX. The company responded to the debt validation on XXXX/XXXX/XXXX. Upon review of the package sent, the company added interest on the account {$280.00}. The original balance of the charge off was {$750.00} and the company is stating that I owe {$1000.00}. I called the company ( MIdland Funding ) and asked why is there interested added to the account after the charge-off and asked for a signed agreement from the original debt collector. I was told that the interested was add in XXXX with no reason to why it was added and that they had no signed agreement even stating that the account belongs to me. There is no proof of the company being able to add interest or even if the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir or madam : Experian states that my dispute should be reported to you at consumerfinance.gov. This is off of the report number XXXX for Experian. Original Creditor is XXXX. XXXX has reported to Experian that I continue to have a {$46000.00} balance with this hospital. The amount submitted to and approved and paid by XXXX did no exceed {$30000.00} from 2013 to now.

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 2022-05-16
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My mother has a very bad XXXX addiction that ruined my life also she is a very good liar. She opened my mail and used my new credit card without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CitiBank randomly shut down my account, and are telling me I have to wait 30-60 days for a check. I literally have no other source of income as this {$1300.00} was my last. I have tried to contact them but they keep putting answering services on the line. I had just used the card an hour prior until all of my transactions were denied with no explanation. I thought it was due to me traveling that my card was flagged, but not fully shut down with no communication.

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 2016-10-26
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On recently changing my auto insurance policy from XXXX to XXXX, I was advised by my insurance company ( XXXX ) of an adverse affect on my premium from my credit report provided to them by Experian. Because of the adverse effect, I was entitled to a free copy of my report from Experian. I first tried to obtain this report through Experian 's Website. I was told that it could not be processed at that time and that I should try again later. I tried later and received a message that it could not be processed and that I should call their telephone number. I called their telephone number and received a series of prompts, none of which covered my problem or allowed me to speak to a person. The only prompt, close to my problem, was to purchase a copy of the report. Without a copy of the credit report, I can not contest whatever caused this adverse report. I feel Experian 's telephone center has been set up to exclude people from talking directly to an Experian representative.

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 2016-10-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
For the most recent statement cycle of my credit card, after that cycle had closed, I received a new billing statement ( received XXXX/XXXX/16 ) from my bank stating that a new bill was due on XXXX/XXXX/16 in the amount of {$48.00}. On that same day after receiving the new statement, I promptly went online and paid my bill for the XXXX due date but it still stated that the payment was still due in XXXX. I was told by a representative that my payment was actually applied to the previous cycle and am not sure why that was since the previous cycle had closed and a new statement was generated. I argued with them to apply it to the XXXX payment but was told that when I made the payment it would not count as my payment for XXXX. I need them to fix this and need some confirmation from them that this will not affect my credit report or that this will occur again in the future.

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 2017-02-10
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
My name is XXXX XXXX XXXX and in XXXX of 2015, I applied for a loan with Cashnet USA. I applied because, I desperately needed the money to help save my home. It did n't help because I eventually, lost my home anyway. I feel like I 'm being taken advantage of. I did n't realize that my interest payments were 24 %, but, it would not have mattered because I needed the money. On a loan for {$800.00}, to date, Cashnet USA has taken out {$2400.00} dollars from my account. I am asking that CFPB investigate this matter and issue a cease and desist order to Cashnet USA to stop debiting my account. As of today, XXXX XXXX, I owe them {$100.00} and a balance of {$340.00} dollars. At this rate, I will never be able to pay this money back, when in fact, I 've already paid them three-fold. I must add, that I am a XXXX. Please help, I am about to become homeless.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have reported 3 times to each credit bureau about fraudulent accounts on my credit report and provided sufficient documentation such as name social security number etc. Still the creditors and credit bureaus will not take these accounts off my credit report at all some of these accounts were under a different social security number but was still attached to my name. Still after calling the bureaus and creditors they still refuse to take them off my credit report. Social security number ending in XXXX is not mines number my number ends in XXXX but are still falling under mine name and I have not applied for credit with any of these companies.

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 2016-04-26
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I owned a condominium, purchased in XXXX by myself and former wife. In late XXXX, we lost the condo due to XXXX fees, due to her job loss and health issues. The property was transferred by XXXX XXXX, NY Court to a mediator, and the property was sold at auction, and subsequently transferred to the buyer ( an investment company who buys XXXX foreclosures ) in XXXX. While my mortgage company has a superior lien, they have made no effort whatsoever to enforce their lien since XXXX, and has no timetable on the plans to do so. The property is worth more than mortgage balance, so I do n't see why the lender is delaying. 
In the meantime, I have had the mortgage reported as late on my credit, as it is, since XXXX, and after foreclosure, if and when it happens, will likely remain on my credit for 7 years after, meaning I am being reported on this debt for more than 16 years, potentially. This is inhibiting my ability to purchase a home, at historically low interest rates, and will likely for some time to come, as the CRA 's are reporting the home still in foreclosure. I had the property removed by deed transfer in XXXX, yet the lender states that their lien is superior to the XXXX 's, and as such, they still hold me to the loan, despite not taking any action whatsoever to codify their lien, and in conversations with the lender, no plan or timetable in place to do so. 

I am stuck in limbo and can not do anything, except pay the loan, which I would if I could. In the interim, an investment company profits off my property, which I have no right to, per the courts, and can do nothing to get the loan off my credit report. The original mortgage broker who wrote the loan was subsequently disciplined and jailed for his actions in the mortgage business, and the original lender ( XXXX ) contracted their modification to a Company called XXXX XXXX XXXX from XXXX, FL, who only wanted more money than the current payments were. Following the XXXX foreclosure, XXXX sold the loan to Ditech, who currently holds the loan and has expressed no plan exists for them to exert their lien, nor does a timetable. Ditech blames the legal system in NY, yet they have not taken the basic step of even filing a suit, which would start the clock. Ditech did not even know I vacated the property 6 years ago and that it was foreclosed upon by the XXXX. 

Now I am unable to buy a home because there is no action on this, and that is patently unfair. If I declared bankruptcy, I would n't have this issue, yet I try to do the right things and get treated unfairly in return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Wells Fargo Student Loans : I am a recent college graduate paying back student loans. I have XXXX in total all different lenders. Wells Fargo does NOT work with you. I have been late on my payments due to not being able to afford paying back my student loans at times. 

Issue causing distress : * Wells Fargo immediately reports a late payment to the credit company if you are a day late with payment ( other student loans do not do this you have a 30 day grace period before they report it to credit ) *I will call in and tell them I ca n't make my due date but can make the payment the next day and still get a late payment sent to my credit. 
* On top of the late payments being sent to credit if you are past your due date they will call you 10+ times a day every day ... even if you answer the phone to tell them to notate your account that a payment will be made on a given day they say " this will not stop the calls '' and the calls continue to happen until the payment is made. They will also call your Co-Signer and your Co-Signer will get the 10+ calls a day ... my grandma can attest to this. 
*I had also requested an automatic payment form to be sent to me at least a dozen times before I was adamant to stay on the phone with a rep until it was received in my inbox so I can fill out and send back ... 

I do n't believe Wells Fargo is fair with their lending. Student Loans should not affect your future. Lenders should be willing to work with you they should be for your future and not against it because they want to make a {$.00} I do n't believe it 's right for a student loan company 's ( this one in particular ) to report a late payment to the credit company a day after their missed due date just to affect their credit more when they are trying to work with the lender to make their payments. They should have a grace period like other student loan lenders. It sets students up for failure in the future when it comes to applying for homes or other things that matter in life ... it 's hard enough that we have to go to college pay {$50000.00} + to graduate and have to re-pay that back right away job or not and not have a lender work with you on payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
America 's Servicing Company ( ASC ) is trying to pull another fast one on me. About the end of XXXX 2016, I received a letter from XXXX XXXX, Senior Vice President of ASC. Basically, the letter stated that my mortgage would be going to a new company called XXXX on XXXX XXXX, 2016. Which is the reason I contacted CFPB in the first place. Anyway, since the communication began between myself and XXXX XXXX, XXXX at ASC, his main concern has been for me to call the XXXX people and start sending my payments to them. XXXX XXXX is very disturbed that I will not do it. What happened to the mortgage servicing transfer process? I have not received a servicing transfer notice yet. I have no idea what the effective date of transfer is. As I said, I have not heard from XXXX. I mean, has the transfer of ownership even been recorded on public record? This not being honest with consumers, is a major problem within America 's Servicing Company. They make their own rules. Thanks so very much CFPB staff for being here for America. 
ASC is also cheating me out of my XXXX Modification Loan. The first page of the Amortization Schedule shows what I should be paying right now. Look at the mortgage statement XXXX 2016. XXXX XXXX, is trying to send me to XXXX paying {$740.00}, when it should be paying less.

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