BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I was denied credit because the telephone number listed in my " fraud alert '' is old and incorrect. On XXXX XXXX, 2016 I disputed the incorrect phone number online and submitted the required proof of address via USPS first class mail and the phone number still did not get changed. My correct home phone number and cell phone number are included in the attachments as are the required proof of address documents. I tried uploading this information 3 times on XXXX/XXXX/2016 to Experian 's online dispute system and it would not accept it. I received a new report " correction summary '' dated XXXX/XXXX/16 from Experian last evening ( XXXX/XXXX/16 ) via USPS and it still has an invalid phone number in my " fraud alert ''. 

On XXXX/XXXX/16 XXXX, with whom I applied for credit, requested that I telephone Experian and get the invalid telephone number corrected. I could not get through to a human being at Experian and their automated system did n't seem to offer the proper options after numerous attempts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have been having ongoing issues with the deposit of funds and balance of our mortgage account. In XXXX our mortgage account was credited over {$5000.00} with consent, or contact made to us by the bank before hand. I then had to argue with the bank for a while til about {$1500.00} of it was taken off, through about 6 phone calls each time saying there was n't an error. I had to provide proof of over {$5000.00} of deposit, because they were not keeping an accurate record. Previous to this change we had opened an account with the bank for checking in order to directly make payments to our mortgage with a easily accessible paper trial of deposits. However we were not able to transfer money between the XXXX for over 5 months resulting in cash deposits. I went through a XXXX and decided the few thousand dollars was n't worth the stress at the time. However this month we made another {$3000.00} deposit, which did not get credited to our account until over a week after it was made, after a phone call from the mortgage office asking what it was for that was a little over a week ago. Now our mortgage account is n't even available online. I am really tired of being taken advantage of, and worrying that our hard earned money is being stolen and misplaced by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX reported a credit card under my name, It 's not my card and it 's not under my social security number. The account was under my ex-husband name and XXXX changed it to my name. I requested documents to reflecting my signature but they are unable to provide proof. I requested removing from the credit report and they told me that I 'm responsible for the balance due.

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 2016-02-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2015, I applied for a short sale with Ocwen by submitting a Request for Mortgage Assistance and filing a hardship affidavit. In XX/XX/XXXX, I was approved and put on Ocwen 's " Assisted Short Sale '' program in which they listed my house on an auction site ( XXXX ). They set the reserve price and it was met and a buyer was secured XX/XX/XXXX. Since then, Ocwen has repeatedly asked me and my realtor for paperwork and the same information on multiple occasions. It seems that they wait until right before the closing date to decide they want more paperwork so as to delay approval. My realtor and I keep sending them what they request, but we keep having to move out the closing date. When I filed my hardship affidavit in XX/XX/XXXX, I stated that I would probably be out of funds to be able to pay for the mortgage by XX/XX/XXXX/XX/XX/2015. I struggled to keep paying until XX/XX/XXXX, but now have had to miss two payments because of the bank 's delay in approving my short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My hard credit requests score NEEDS TO BE UPDATED as there is a two year limit and most have expired but are still listed and counting negatively against me. Please please update.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've disputed several incorrect accounts on my credit report for late/missed payments and accounts not belonging to me, but to someone in my household. They continue to reply with they will not reinvestigate and/or remove this 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 2015-09-04
Company: Dovenmuehle Mortgage, Inc.
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I went to my online Dovenmuehle account in late XXXX, 2015 to increase the principal payment to my monthly mortgage payment by {$700.00}. I changed my mind and went back online and entered {$0.00} in the box for additional payment. My XXXX bank statement showed that Dovenmuehle did in fact withdraw the additional {$700.00}. I went back online to check if I had not cleared the additional payment. The amount was {$0.00} for additional payment. I assumed I had made the change too close to the payment date and did not contact the mortgage company. My next automatic payment was again for the increased amount. I called Dovenmuehle and explained that the additional payment was incorrect and asked that they reverse the payment to my account and withdraw the correct amount. I desperately need the additional {$700.00} this month and last month too! The mortgage company said they could not reverse the payment, required me to print off my bank statement and fax to them to prove that the funds were actually withdrawn ( they do n't know that?! ). The mortgage company will write me a check and mail me the refund. I wanted the money put back into my account now not later. I know they can make that happen but they were not willing to do so. So much for customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX 2014 I went to the hospital with full healthcare coverage. I paid my copay and received medical service. I paid the appropriate healthcare bill and have had my account sent to Americollect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Other

Complaint:
I attempted to apply for a Discover Card Online. The system did a hard credit pull and then disconnected me from the application process. I called in and was told that another hard pull would need to be done to complete the application. I never agreed to any hard credit pulls in the process and called and advised them of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-19
Company: AmeriCollect
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
HI, I had been to the hospital on XX/XX/2016, i gave the insurance details to the hospital later and i didnt hear anything from the hospital and never got any news from hospital.Later by XX/XX/2016 i called the hospital and gave my change of address information to the hospital also ensured that the hospital has insurance details. After that they told they will contact insurance company and then get back to me but have not hear anything from them. 
I was waiting for bill, and now i see there is outstanding of {$150.00}, i am not sure why no one contacted me as i have provided everyone my change of address as well as phone number. 

I do not agree to this collection, i wil pay {$150.00}, please let me know how do i pay them and also please remove the admended score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Card debt was paid off in XXXX 2013. XXXX in conjunction with Discover continues to take {$35.00} out of my checking account monthly as a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received a judgment against me for multiple accounts in collections from medical bills from a non profit hospital over the course of 5 years. At the times several of these services were provided, I had received a statement of financial charity from the non profit hospital releasing me from financial obligation for these services. These accounts are not only listed on this judgment but on my credit reports as well. In addition to the accounts that were forgiven, there are other accounts listed both on the judgment and on my credit reports for accounts that have been paid on, with receipts I still have showing the accounts have been paid. On XX/XX/XXXX, I received my paycheck from my employer and discovered a wage garnishment. I had no prior knowledge of this garnishment, or who to contact regarding any type of exemption or garnishment adjustment. I am the sole provider of my family and currently have an arrangement with another collection agency regarding a debt incurred by my husband. Between the surprise garnishment and the payment plan I had previously entered, my total wages taken from each month equal my rent and almost half of my income. This has created a significant hardship for my family and I do not have any contact information for the creditor who has taken legal action against me from a non profit hospital in the attempt that I could make an arrangement that would not force me to levy my other bills and obligations in order to satisfy one I have already paid and other debts that had previously been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: DISCOVER BANK
State: NV
Product: Credit card
Issue: Other

Complaint:
Under 623-15 U.S.C. 1681s, Section 623 ( a ) ( 8 ) ( E ) ( iii ) that references FCRA 611 ( a ) ( 1 ), that allows only for a 30 day period to answer the dispute/complaint. 

This dispute/complaint was sent to you via the CFPB on XXXX XXXX, 2016 to which the CFPB assigned a case # XXXX. 

I expect an answer no later than XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: DISCOVER BANK
State: PA
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:
cosigner with my daughter have asked several times to make a principle reduction on the loan and they keep applying it as paid ahead status ... would like to know why I cant make a principle reduction to reduce my repayment schedule

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have cash app and last Thursday a friend sent me XXXX. I did instant cash out and never received my money. Now they have taken it out of my account twice more and now owe me over XXXX dollars. I have tried on many occasions to get my money with no resolution and i personally believe I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was expected to received a payment XXXX which was deposited on XXXX XXXX in which the funds were immediately available. I withdrew the funds and on XXXX XXXX the checks deposited began to bounce. I then found out there was a counter credit for XXXX {$1000.00}, XXXX XXXX checks with my name and fake signature attachted. The funds are no longer in my possession and I can not believe Bank Of America let the checks be deposited without checking signatures or placing any type of holds.

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 2016-03-19
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/16 my Discover Card was charged {$47.00}, without my approval, for a subscription to a mobile application. Withstanding the charge not being authorized, the subscription for which I was charged was not credited or applied to any account or mobile device in which I possess. That is to say, no benefit was received. 

After contacting the Merchant directly, and finding them unable to assist ( due to incompetence or failure to understand the issue ), I issued I charge-back with Discover Card ( case number XXXX ). When the Merchant responded with information ( see Appendix A ) that was blatantly contradictory to my previous communications with them ( see Appendix B ), I notified Discover via writing of this fact ( see Appendix C ). 

Despite the clear and evident failure of the merchant to faithfully represent the nature of the charge, and my clear an unequivocal statement that no benefit was received, Discover Card denied my dispute despite their promise of a " XXXX-liability Guarantee '' ( see Appendix D ). 

After a review of the documents in which Discover attached to the case, it became apparent to me that Discover Card deliberately and systematically censored all relevant information pursuant to my appeal. That is, they blacked out relevant dates, and other information in the appeal I submitted, which clearly highlighted inconsistencies in the Merchant 's claim. This action undoubtedly led to the improper denial of my dispute. ( See pages XXXX of this letter ; Appendix C. ) Unfortunately, in this case Discover Card has acted in a manner which is inconsistent with its promise to deliver top-notch customer service, and XXXX-liability for fraudulent transactions. In denying my appeal Discover chose to censor and suppress contradictory information rather than evaluate it in accordance with the Cardholder Agreement. 

For this reason, I consider Discover Card to be in breach of its obligations for which it is bound, and to be acting in a manner illustrative of disregard of its obligations. It behooves me to think of all the similar claims Discover suppressed in the spirit of appealing to Merchants as opposed to seeking a just resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-22
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Company has not provided me with billing statement and description of services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I pay my Wells Fargo mortgage online. My bank account information is stored in their computer. I made the XXXX 2016 payment as I had always done. When I went to make my XXXX payment there was a red notice that I had not made my XXXX payment. I checked my bank statement and it had not been deducted. I checked my payment calendar and I had marked it as paid. Further investigation on the Wells Fargo site showed that I had made the payment on the XXXX, but it had been rejected on the XXXX. 

I paid the XXXX and XXXX payment online using the same drop down stored account and it went through. I wrote to Wells Fargo. Their investigation found that I had made a payment from an account ending with XXXX and not with the account ending in XXXX, the account they have on record and the one I use to make my payment. 

The XXXX seemed familiar, but I could n't find it anywhere. I finally realized the last XXXX digits of the account I use to pay the mortgage with is XXXX. Somehow their computer truncated the last number of the account and it was refused by my bank. 

As a consequence, I was assessed a late fee and the " late payment '' was reported to the credit agencies which knocked my XXXX score by XXXX points. Wells Fargo did n't have the courtesy to notify me that the payment had been refused. 

Although I realized the origin of the XXXX after receiving their letter, I was struck by their unwillingness to make some adjustment. I had attempted to make the payment, as can be seen by their records. In an earlier letter to me, too late to avoid reporting to the credit agency, they advised me as to what I could do to prevent foreclosure. I was outraged that they would n't contact me first to find why the payment was n't made. I overlooked a payment a couple times in the past, but was never more than a few days late. This was the first time in 16 years this had happened. I feel this was callous disregard for me as a customer.

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 2015-08-22
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was automatically signed up for PayPal Credit, without giving me the full picture. I never wanted to apply for a credit line, nor did I see anything while signing up for regular PayPal warning me I was signing up for PayPal Credit and it would pull my credit. The instruction was very misleading and I thought I was using my paypal account balance to pay for my purchases. My credit reports were then pulled without my knowledge. My credit reports were pulled based only on the last XXXX digits of my ssn, my date of birth and home address ( per XXXX ). This was completely against my experience where other companies asks for much more personal information before pulling my credit reports. My credit scores drop significantly after paypal credit pulled my credit reports. I tried to dispute with XXXX but it wo n't remove the inquiry. I contacted with paypal credit but it did nothing to help me remove the credit reports inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i had agreement with wells fargo due to me being layoff, i kept my agreement term, my letter of agreement state that i would pay XXXX for 6 months and after i found a job that my go back to paying what i was paying which was XXXX.well i went back to paying my normal payment from XX/XX/XXXX to XX/XX/XXXX went to bank to make my XX/XX/XXXX payment i was told that my home was in forclose. still no answer wanted me to pay XXXX which i did not have. please help, i have been in my home for 18 years

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
They called and I called them back and have not heard from them since. They transferred my accounts to a company that has a worst standing then they do and I 'm not happy. When I called the new company XXXX they told me ASC transferred XXXX account which is my XXXX. My XXXX has been written off and I was paying my monthly mortgage and I 'm continuing to pay it monthly. I ca n't refinance my mortgage because they wrote off my XXXX and I was paying, they were holding my payments for two months and when I called them to say why are not posting my payments, they kept giving me the runaround, like they are doing with you by not giving you an answer why they wrote off my account. 
Wellsfargo/ASC are crooks and I want my XXXX in good standing so I can refinance. 

In progress Response We 've been unable to establish contact with our customer, XXXX XXXX. We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research.

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 2016-06-11
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Merchant & Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation