BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I suspect Ocwen Loan Servicing and/or its XXXX lawyers are hacking into my computer and email. Ocwen Loan Servicing has been committing years of fraud against me, many attempts to quietly seize my primary residence that I own free and clear. Ocwen Loan Servicing and its crooked litigation XXXX lawyers used fraud upon the court, using forged fabricated documents and robo-witnesses to intentionally send bribing signals to the judge to win its phony case. After the scums bribed the Judge Ocwen 's litigation lawyers quietly added other orders into the Judgment before the Judge signed it, praying it would stick. My investigators found much more of Owens fraud troubles which will be addressed before the court when I file my new XXXX lawsuit. CFPB is responsible for supervising shady Ocwen Loan Servicing, as its license is currently under a monitor due to Ocwen 's ongoing fraud abuse. My investigators will have its final findings report soon. I pray that CFPB takes my matter serious and send in the feds to Ocwen Loan Servicing headquarters gather all the forged fabricated documents in Ocwen 's possession before they attempt shred it and quietly seize my home again. Attached is just one of Ocwen 's cases that a honest none corrupt Judge refused to seal. Ocwen Loan Servicing and its lawyers are XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
After multiple attempts TransUnion has failed to remove an inaccurate XXXX XXXX account from my credit file. I have sent all pertinent documentation to TransUnion  on several occasions and they have failed to properly investigate and remove the inaccurate account from my credit file. Both XXXX  and XXXX have already removed the account from my credit file. XXXX XXXX has never been able to verify the validity of the account and TransUnion has not been able to provide me with any documentation proving the account belongs to 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 2020-04-06
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: Account information incorrect

Complaint:
ATTENTION : XXXX  DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX   XXXX XXXX : XXXX The payment status is incorrect, please delete.

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 2019-12-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My credit application was denied in violation of the Equal Credit Opportunity Act. 
see link : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: U.S. BANCORP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, XXXX has violated my rights and continuely try to collect debt that I don't owe. 

15 USC 1692c ( a ) states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may NOT communicate with a consumer in connection with collection of any debt.

15 USC 1692 b ( 4 ) states, NOT communicate by post card 15 USC 1692b ( 2 ) NOT state that such consumer owes any debt 15 USC 1692b ( 5 ) NOT use any language or symbol on any envelope or in the context of any communication effected by the mail or telegrams that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

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 2016-05-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX 2015 I signed a deed in lieu, the bank ( Rush Loan Management ) took possession of the property to satisfy loan XXXX. After many inquires to the mortgage bank they refused to provide a document stating the status of the mortgage loan and they keep reporting the account as " on past due '' affecting my credit and my possibilities to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I received a check from XXXX XXXX XXXXXXXX and deposited on the XXXX of XXXX. 
it is now XX/XX/XXXX and i still havent received my money.

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 2022-04-15
Company: Aargon Agency, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aargon company I do not owe this company nor have I done any business with this company with this company before, they do not have and contract from the above named company with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-06
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: Account information incorrect

Complaint:
ATTENTION : XXXX  DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX   XXXX XXXX : XXXX The payment status is incorrect, please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
As a Venmo account holder since XXXX/XXXX/XXXX, I have never encountered any issues with the web based app my friends and I use more than often and never imagined to find myself dealing with the following following ridiculous issue. On XXXX XXXX, XXXX a friend initiated the transfer of {$40.00} via Venmo and her account was immediately debited. Shortly after, we were notified the transaction was flagged and pending review by the companies compliance team due to the sender 's commentary. Please note, Venmo requires a " comment '' ( ie any keyboard stroke ) in order to complete the transaction which a majority of the time are witty/silly/nonsensical jokes shared between my friends and I. In this particular case the joke in the comment section, which again is mandated, was " XXXX is in XXXX ''. The originator then received a subsequent request for further explanation which stated " To speed up our review, please explain what you intended to pay for and describe the establishment, individual or location you referred to in your note, as applicable. '' The sender responded accordingly and explained, however the funds remained in limbo. In an effort to resolve the matter, I reached out to their customer service and requested that per our clean transaction histories, banking info/locations and IP addresses they could easily clear up the matter, however the transaction was to be canceled and funds be immediately returned to the sender 's account to which they responded with OFAC regulations. I was later contacted AGAIN with a request for a receipt as proof of purchase. 
As an employee of a highly regulated financial institution, I am regularly trained on OFAC regulations as well as restrictions on sanctioned/high risk countries etc., however with that said, I feel there is a HUGE difference between the arbitrary reference of a single word ( which is in fact just the name of a country that actually exists ) warrants this level of scrutiny/privacy infringement. The only country I have ever had any affiliation to and/or transaction with is my own, the United States and I refuse to support how far this has gone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19
Company: U.S. BANCORP
State: WI
Product: Credit card
Issue: Rewards

Complaint:
My US Bank XXXX XXXX credit card offers 5 % cash back every quarter on categories that I choose. For the XXXX quarter of 2015, I choose electronics as XXXX of those categories and made a purchase in the amount of {$1900.00} at XXXX based on receiving 5 % cash back for this purchase. XXXX is specifically listed on the US Bank XXXX XXXX rewards site as " popular merchant in this category ''. On my recent statement, US Bank is only crediting me the standard 1 % cash back. Upon contacting US Bank, they explained that I was n't eligible for the additional 4 % because the merchant coded their transactions as Catalog Merchant rather than Electronics. While I understand that US Bank ca n't be held liable for how a random merchants codes their transaction, by listing them as an example of a merchant in that category, they are falsely implying that transactions with that merchant will receive the 5 % bonus ( despite the fine print that they ca n't guarantee a purchase will qualify for 5 % rebates ). US Bank has not done their due diligence to verify that their list of example merchants is accurate and as a result is deceiving their customers. This deception affected my purchasing decision. I would not have made this purchase without the promise of 5 % cash back and as a result have been injured in the amount of {$79.00} in lost rewards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Called in XX/XX/XXXX To the credit card department after noticing that that there were 4 unauthorized payments made on my credit card from my checking account, resulting resulting in More overdraft fees from truist. ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) After spending about 45 minutes on the phone the representative said there's definitely an issue with my account because my account only exists in the app and it doesn't actually exist on the website so I can't interact with or correct the auto pay that somehow set up on my account and they can not correct it either. When the individual wants to transfer me to the digital operations department they hung up on me and I just couldn't handle the 30 minute wait time to speak to a representative again. 

I have had this account for over 15 years It's really saddening the issues that truest has been causing since the transition. Unfortunately I am in a position where I am forced to continue using this account because my works direct deposit system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: AMERICAN EXPRESS COMPANY
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: Other problem

Complaint:
American Express has constantly been reducing my credit limit on some of my American Express credit cards this year including my gold card in which they took from me an annual fee of {$290.00}. 
This last reduction of my credit limit today on my account ending in XXXX from a credit limit of {$3400.00} to {$2100.00} will reduce my XXXX score by at least 30 points. 
I have been a customer of American Express for over thirty five years and never had a late payment or used more then 50 % of my credit limit on any of my cards. 
As of today my total outstanding balance on all my American Express cards which are five cards is no more than {$4000.00}. And even before American Express started reducing my credit limit this year on various American Express cards my outstanding balance was never more than 50 % of my credit limit. 
I tried to settle this latest issue with American Express but they would not relent. 
They asked me what my income was and then wanted me to send in proof of income. I told them that if they reviewed my credit report they would see that my monthly payments to all my credit trade lines is at least {$7000.00} a month totaling an income of at least {$84000.00} a year. But apparently thats not good enough for them. I once did in fact send in proof of income due to a credit line reduction but it did me no good as they refused to reinstate my credit limit. I am a hardworking business person and no longer have time for their pettiness. 
It seems they are attempting to damage my credit score in the hopes that with a lower XXXX score my other credit card vendors will also reduce my credit limits which so far they have not. 

This is an egregious abuse on their part. I will no longer pay an annual fee to them. In my continuing my relationship with them as a XXXX XXXX client this year they have incurred punishment upon me. 
And I will inform my business clients of just how mean spirited and abusive they are. 
And to mention with this horrible pandemic that we had to live through they would have a decent attitude. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
There were fraudulent accounts listed on my credit report and they were removed earlier this year. I just received notice that they Added them back on my account and wouldn't remove the accounts that were already deemed fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: I.C. System, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
XXXX has been attempting for over two years to collect for an iPhone that I had " refused shipment on and they sent me an email that they had received the iPhone back in their factory. Yet for over two years XXXX has turned over to XXXX separate debt collection agencies, first in XXXX/XXXX/XXXX, XXXX XXXX collection agency for XXXX Account, then in XXXX/XXXX/XXXX IC Systems in XXXX XXXX, MN. In XXXX I faxed an XXXX explanation to XXXX yet one year later they have turned it over to another collection agency in MN. This constitutes harassment and I ask that you stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have submitted credit disputes with all three credit bureaus, to update my student loan balance and account status. My loans with XXXX XXXX were paid off and closed back in XX/XX/2021. XXXX, XXXX, and Transunion refuse to update my credit report. I contacted XXXX XXXX they have confirmed my accounts are paid off and closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXX of 2020 capital one restricted my account stating that I need to submit a SSA form. I complied and submitted a form. I was told they would reach out with an update within 7-10 business days. They never reached out. I contacted them and they stated that I need a SSA form from the AU on my account. I stated to them that to my knowledge I have no AU on my account and maybe someone might have had access to my account and I was not made aware. They did not seem to care and insisted that if I dont have an AU I need to submit a copy of my own social and drivers license. I submitted a copy of my drivers license and social. They did not contact me yet once again I contacted them and they stated they are waiting for a response from the case owner. The case owner in this matter has never once reached out to me regarding this matter. I contacted them a few days later and they said that although I submitted all documents required it does not matter and I have to somehow submit documents for an AU that I was never aware of. I was recently laid off due to COVID-19 and now I have two restricted credit cards that I am being restricted from using when I have done all the due diligence has a costumer and I also have to continue paying for these credit cards. It seems like no one has the answers to resolving this matter and this is really becoming frustrated and emotionally draining during these trying times. Its clear I might have been a victim of fraud somehow I am being treated otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
I have contacted Capital One in reference to my buypower credit card account ending in XXXX. They stated there is a charge on my report from XX/XX/2018 from XXXX XXXX. I advised the rep, a supervisor, and a Manager that the charge is incorrect. I also advised that card has not been used over a year and that XXXX XXXX is not my electric company. Because of this erroneous and fraudulent charge on this account, I advised this needs to be updated immediately because it is showing 60 days past due. The manager stated they will credit my account, but will refuse to send information over to the credit bureau confirming that this account is not pass due and it should of never reported pass due because the charge is incorrect.

Company response to consumer: Closed with monetary relief