BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-25
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a complaint related to case number XXXX. In an action that can easily be described as " retaliatory, '' Ocwen Loan servicing , LLC has provided me with yet another incorrect statement for my second mortgage. Ocwen has admitted its mistake in disbursing two payments to the insurance company, XXXX XXXX. On Saturday, XXXX XXXX, I finally received the refund check for the overpayment. I mailed the check to Ocwen on XXXX XXXX. My XX/XX/XXXX statement indicates that Ocwen refused to apply my XX/XX/XXXX {$300.00} payment, which is greater than the typical amount due ( principle + interest ), and continues to demand I pay additional escrow fees in order to compensate for Ocwen 's admitted mistake. I received a letter dated XXXX XXXX from the Office of the Ombudsman ( XXXX XXXX ) that partially addressed the items outlined in my previous complaint, but did not resolve the basic problem caused by Ocwen 's ineptitude. I consider this retaliatory act on Ocwen 's part to be entirely unacceptable.

Company response to consumer: Closed
Consumer complaint received 2022-08-04
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I feel like I'm being taken advantage of being ignored of my disputes. XXXX explicitly states that failure to review an item within 30 days will result in its immediate removal from my credit record. Since more than 60 days have passed, these entries must be deleted immediately. I demand the quick deletion of these accounts, or I will sue you for the stress you have given me. 

XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My name is XXXX XXXX, and I bank at Golden One in XXXXXXXX XXXX, off XXXX. I've had problems with deposits to my accounts, being pulled out ; illegally, I spoke to XXXX different tellers, XXXX being a banking XXXX, and no assistance was given to me, my funds were taken, and never credited back to my account, this has been an ongoing issue, prior to this bank changing locations, here in XXXX XXXX, I am also displaced as a result if a specific form of harassments, from affiliates of my sons, who unfortunately, in their youth, joined a group of militia, and this has been an ongoing night, because of the harassments, along with illegally being displaced from my homes, forced into the streets, and sleeping outside. Over a decade, I have endured various forms of harassments, my banking should not be affected illegally, this is privacy issues, theft, discrimination, and embezzlement. XXXX check that I deposited back in XXXX of XXXX, was XXXX, and the bank pulled it, another occasion, where I emailed a gentleman working there, in XXXX, XXXX, someone pulled XXXX, then its various hits XXXX here, XXXX there, all of which had been appropriately reported, from an email address of XXXX, no assistance, and in fact, I have not been able to access that particular email account, for a variety of malicious reasons, and evidence. Please give me a call to further assist. I appreciate your rapid response.

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 2016-11-08
Company: HANCOCK WHITNEY BANK
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2016 I applied on line for a home mortgage with Whitney Bank ( NMLS # XXXX ). On XXXX XXXX, 2016, I received an email from XXXX XXXX ( NMLS # XXXX ), the Residential Lending Officer with Whitney Bank who would be assisting me through the process. In that conversation, I spoke with him about pre-qualification requirements and the XXXX ( XXXX ) XXXX XXXX XXXX Program, a mortgage loan program that provides assistance to cover the borrower 's down payment and closing costs. On XXXX XXXX, 2016 I received a Mortgage Loan Pre-Qualification letter to purchase a home in the " {$350000.00} price range ''. The proposed loan was a Conventional 5 % down payment loan. The loan was also contingent on qualifying for down payment assistance for the XXXX XXXX program. 
On XXXX XXXX, 2016 a final offer was accepted on a house. The executed contract via email was forwarded to XXXX XXXX. The Third Party Financing Addendum of the contract stated that I needed to obtain conditional loan approval by XXXX XXXX, 2016. If for any reason I was not able to obtain financing prior to this date then I could terminate the agreement and have my earnest money refunded. This was highlighted in the email sent to XXXX XXXX on XXXX XXXX, 2016. Closing was scheduled on or before XXXX XXXX, 2016. 
On XXXX XXXX, 2016 I received conditional approval with a few remaining conditions. Conditions were met on XXXX XXXX, 2016. Again, on XXXX XXXX, 2016 I received another approval with conditions that were satisfied in a timely manner for closing. XXXX XXXX failed to deliver final disclosures, and obtain down payment assistance through the XXXX Program in a timely manner. As a result I lost my earnest money and other funds relevant to this transaction. 
Please see uploaded supporting documents and full complaint details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was erroneously charged multiple fees to my   XXXX   XXXX   store card account beginning in XX/XX/XXXX 7 ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my   XXXX   XXXX    account in  XX/XX/XXXX , or at least I was under the impression that I had paid off my account ; however, due to   XXXX   XXXX   billing cycle, I had a remaining balance of {$3.00} that was paid on XX/XX/XXXX . The first fee I incurred was on  XX/XX/XXXX  for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On  XX/XX/XXXX , I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On  XX/XX/XXXX  I was charged another late payment fee in the amount of {$37.00}, and on  XX/XX/XXXX , a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees.
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I was finally notified the week of  XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On  XX/XX/XXXX I called   XXXX   XXXX   store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the   XXXX   credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to   XXXX   XXXX   reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions 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:
Hello, I signed for a XXXX XXXX for my brother, XXXX XXXX. There was a car accident then the car was totaled out ( ruled by the insurance company ) and completely paid in full and in GOOD STANDING due to the XXXX XXXX 

XXXX XXXX XXXX XXXX has been refusing to remove this from my account for months even though this situation has been resolved for years. I have proof that it is correct on my brothers credit, but they are refusing to update on my credit. I want it remedied immediately because it is causing issues with me getting future lines of credit for anything my family needs. 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 2022-07-13
Company: EQUIFAX, INC.
State: FL
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:
We went to the car dealership I said I want to apply for a car they say they was going to only due XXXX. I was shopping for a mortgage loan the lender said he wasnt going to pull my credit until I was ready now I have 14 hard enquired. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: National Enterprise Systems, Inc.
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:
Last year an agreement between XXXX XXXX/Navient and NES payment services was met for me to pay back on outstanding loans. As of XXXX of last year I could not access my account. I sent numerous letters with no response. I sent a certified, signature confirmation letter XXXX weeks ago with proof of delivery being XXXX again notifying NES of said situation. I even faxed Navient the same issue with an offer to close out the debit with a lump sum payment of {$2000.00} ; This would have been what I had left of a balance if I was allowed access to my account. As of XXXX XXXX 2015 I have not received a response from Navient or NES in regards to this matter. If neither party wants to communicate with me either via email or mail, then following the FDCPA this debit is not valid and should be removed from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent in a correct to my personal information on my credit report on XX/XX/2020 as follows : To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX XXXX My only employer is : XXXX XXXX XXXX, XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX of this was completed in 30 days as per regulations. I am looking into retaining an attorney to get this matter resolved in the courts if this information is not updated. I included a copy of my driver 's license in the letter. 

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: VA
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 sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$740.00}

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 2021-11-26
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-07-13
Company: EQUIFAX, INC.
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please help me with these accounts that are destroying my life. I am a victim of identity theft and when I was XXXX my identity was destroyed and when I came back I been fighting for my identity still to this day with the country I fought to protect for the last 20 years. I was asked to get a police report and a ftc report I obtain both and just seek some help on trying to build my new life back as a retired vet. thanks again

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2018-02-28
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2017 Wells Fargo lowered my credit limit from {$14000.00} to {$750.00} on account ending in XXXX. This 95 % reduction came as complete surprise to me. I suppose that unless this bank is charge 25 % on a balance that don't want to extend available credit. They passed me from one department to the other. No help. After numerous attempts to solve this with the bank, they proceeded to close my account. I can't help but think that this was discriminatory because of my previous inquiries. NO ETHICS! Shame on you Wells Fargo!

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 2020-10-26
Company: FISERV INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/2020 - Went to the XXXX gas station to get gas for my car. Went inside to use the card as a debit for {$10.00} worth of gas. Went back outside, pumped the gas and left. Checked my card and saw that the balance said XXXX. 

See attached pictures where I was paid yesterday, XX/XX/2020, {$100.00} and the only purchase I made was the {$10.00} gas purchase. 

I called Customer Service and explained to them what had just happened and I was told that I needed to use the card as a debit purchase. I informed the Rep that that's exactly what I had done and she repeated herself with " you need to use the card as a debit purchase '', so, I repeated myself and told her that that was what I'd done. After that exchange, she told me that it would take 7 days for the money to go back to my account. 

Question - why does it take 7 days for an electronic transaction to take place? 

I submit this complaint so quickly because this is not my first negative encounter with Money Network. I have another complaint logged against them and I don't want this one to drag out the way I allowed the other one to drag out for 2 months before I submitted a complaint.

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 2022-03-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Dear CFPB, I have been trying to block transactions for my checking account at Wells Fargo. However, they were only able to get my debit card to block transactions. They said if I wanted to block transactions to the checking account specifically, then I had to go into the bank personally to do it which puts an undue burden on me and my familys finances because we are trying to ration my gas due to the rising prices. 

As a result, they charged me a {$35.00} overdraft fee and refuse to give it back to me due to arbitrary measures such as my relationship with the bank. All I ask is for a refund of my overdraft {$35.00} which I can use to pay for gas, and for Wells Fargo to block transactions so I wont have to pay overdraft fees in the future. Ive already had to recover nearly {$200.00} from them which some of it has been rejected based on their bogus relationship criterion. 

As youre well aware, Wells Fargo is known for their predatory practices on minorities who are on the lower income spectrum such as myself. And I cant afford to keep shoveling out money to a bank that is only concerned with their bottom line and not poor consumers such as myself. 

Sincerely, Anonymous

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 monetary relief