BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-29
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On my mortgage with Ocwen Loan Servicing # XXXX I am continually being charged a fee of {$16.00} for other fees. I have written and called them to find out what this is for but have received no response. This is for a tri plex rental property that is fully occupied and has always been so for the 10 years I have owned it. Ocwen is a predatory loan servicer that refuses to provide me with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed Capital One a letter disputing the Debt, then a send letter asking for the Debt to be validated and asking for a listing of the charges and payments ( all transactions on the account ) - this way we could come to a settlement arraignment and agreement. I first requested this information in XXXX of XXXX  via a Debt Validation letter. I requested this information again over the phone XX/XX/2022, I gave a fax number and I was told it would take 3 - 5 business days to receive that. I called back on XX/XX/2022 to up hold my end of the settlement agreement. I still had not received a listing of the transactions ( beyond the time they said it would originally require ). When I requested the listing again on XX/XX/2022 I was transferred two more times instead of someone simply sending over a listing of what exactly I am paying them for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 at XXXX, I made a cas @ h deposit of {$600.00}, the ATM took and held the funds but they were never deposited to my account, received an error message stating that the ATM could not process cash deposits at the time, it printed a receipt instructing to call the on XX/XX/2020, bank to confirm the the deposit was made to my account, since according to their automated system the bank was closed Saturday XX/XX/2020 when I called right after the incident, and called back again in XX/XX/2020 but the bank was closed too, the bank stated the the funds were not deposited to my account, so submitted a claim, called the bank today to follow up with the claim and the banks has closed the claim starting that the technician did not find any funds in the ATM, and are not willing to reopen the claim or investigate further to solve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: SYNCHRONY FINANCIAL
State: NV
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:
Complaint : very, very poor customer service response to simple request to change date of automatic payment I am a XXXX-year old Senior lady on fixed income who is unable to pay the monthly charges on Chevron-Texaco credit card # XXXX XXXX XXXX XXXX, exp. XX/XX/XXXX due to unexpected expenses. The name on the card is XXXX XXXX XXXX. After conversation with a lady Customer Service Representative named " XXXX on XXXX XXXX, XXXX, '' we both decided to close the account and I would repay the Statement Balance : {$7500.00} in monthly payments of {$130.00} from my checking account, due on the XXXX of the month until paid in full ( about 60 months ). My daughter, XXXX XXXX XXXX, will share the payments as she was a user of the card, splitting the monthly bills. 

As it would be easier in planning a monthly budget, I decided to change the payment date from the XXXX to the XXXX of the month. Today, XXXX XXXX, XXXX at around XXXX XXXX XXXXXXXX XXXX time I called Chevron-Texaco at XXXX XXXX ) XXXX and got a female-voiced robot that had trouble understanding me when I asked to speak to an " agent '' " representative, '' " human being, '' etc. The only way I could get the robot to connect me to a person was to use some bad words. 

The robot connected me to a woman who gave me her name which I forgot to note. She had a foreign accent and was working from home as I could hear a dog barking in the background. I asked her to change the payment date from the XXXX to the XXXX and she was only able to change it for XXXX. Apparently, XXXX XXXX XXXX XXXX was NOT her first or XXXX  language and even though I made my request very clear, she failed to comply with my wishes, blaming the " system '' as a phony excuse. I am sorry to say, I was not very polite to her because I was angry that instead of trying to fix the problem, she gave me excuses instead. She had the nerve to tell me to " call tomorrow '' when I was within the time Customer Service is available on week days ( XXXX XXXX. to XXXX XXXX XXXX ). I ended the call by hanging up. 

I feel I have a legitimate complaint against Chevron-Texaco customer service because : 1. ) A non-human robot continuously ignored and interrupted me, refusing to understand my request to speak with a person until I used bad language. 
2. ) When finally connected to a person, I got an individual who used one excuse after another to explain why she could not make a simple change. I am not asking for a reduction in payment, but just a change for the automatic withdrawal from the XXXX to the XXXX of each month. 

If you wish more information, please call me at ( XXXX ) XXXX and follow the instructions of my phone robot ( placed on the phone as I was getting up to 10 junk calls a day ).

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 2016-09-10
Company: Empowerment Ventures, LLC
State: NC
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I first noticed a transaction of {$120.00} was taken off my Rush Card, on XXXX/XXXX/2016. I went back as far as my phone would allow. I saw the same transactions in XXXX, XXXX and XXXX. I tried to contact Rush Card. They no longer have customer service. I also checked my statements on line, there are no records of these transactions. Any assistance you can provide will be greatly appreciated. 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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following inquiries and personal information were inaccurate and unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Bureau 's investigation. I have already addressed this issue to the Bureaus but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries and personal information that should be removed : Name XXXX, XXXX, Y XXXX, XXXX, XXXX, XXXX XXXX XXXX  Addresses XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Employer XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXXI XX/XX/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 2022-05-06
Company: OPTUM BANK, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I submitted a previous complaint about Optum Bank making it difficult to close their HSA account. They responded quickly after the complaint was submitted and transferred the HSA funds to my new HSA provider, XXXX. However, they have used ACH instead of electronic wire or physical check. XXXX can not receive the funds through ACH due to tax implications. Optum did not follow the delivery instructions given to them by XXXX  
The level of incompetency at Optum Bank is unmatched. This issue needs to be resolved. However, when I reached out to Optum Bank, they did not resolve the issue and only said that a case has been opened with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I scheduled my XXXX mortgage payment on XXXX XXXX, 2015. The system then said that my next payment due was XXXX XXXX, 2015. I knew this was an error because I only scheduled XXXX payment for XXXX which would make the next payment due on XXXX XXXX, 2015. I informed Ocwen of this error and told them that I would stop payment on those XXXX errors and would reschedule another payment from my other checking account. I scheduled the payment from my other checking acct on XXXX/XXXX/2015 which cleared my bank on XXXX/XXXX/2015. Then, on XXXX/XXXX/2015 another mortgage payment debited my XXXX checking account which was unauthorized. I informed Ocwen there must be a glitch in their bill pay system because they were taking XXXX payments each time when only XXXX was scheduled. XXXX XXXX XXXX was able to retreive the extra payment from Ocwen that was made on XXXX/XXXX/2015. Ocwen is now saying that I have not paid for XXXX and had returned checks for XXXX after showing proof form the bank that they made extra unauthorized debits and proof that the XXXX XXXX payment I authorized posted and cleared. After XXXX letters, XXXX calls from the Bank and they will not fix my account. They even sent me a check in error and told me to deposit it then they would credit my account. Well, that check was no good from them and they charged me for it after they told me to deposit it on XXXX/XXXX/2015. Today is XXXX/XXXX/2015 and this error began on XXXX/XXXX/2015 and nothing has been done, even after contacting their ombudsman. My bank tried to talk to them but they would n't talk to them because the call was being recorded. I have never been late with my mortgage payments and I do n't appreciate being treated this way. Something is shady about Ocwen because all of a sudden my mortgage payments increased due to escrow which they are now taking $ XXXX yearly over the amounts of my property taxes and home owners insurance. Then, this fiasco with XXXX debits happened just two months later. Ocwen Loan Serving needs to be investigated. There us something REAL shady going on with this company.

Company response to consumer: Closed
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2016-02-17
Company: Stearns Ventures, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home XX/XX/XXXX and XX/XX/XXXX I received notice from the credit bureaus that I had a 30day late payment on my credit which has dropped me over XXXX points. After receiving the information that I had been late I went to XXXX/Stearns and asked when the payment was late in because the payment I had submitted was on XX/XX/XXXX which was 10 days past the date I needed to submit for. They then told me that the payment I made on XX/XX/XXXX would be to cover XXXX XXXX payment which would make it 40 days late. After much discussion I found that my account has had a rolling 30day late payment since XX/XX/XXXX. Believing this was wrong I went to my bank and requested the past years bank statements and payment history with confirmation of payment emails and have not found a month where a mortgage payment was not deducted fro my account. I then took the information to XXXX/Stearns and they told me to submit a email using their secure server on their website and include the documents that I have. I submitted 2 emails to Stearns including the information they required to resolve the issue and nothing has been done. We have also sold our house that was with XXXX/Stearns so the loan is closed out, but since XX/XX/XXXX we have received XXXX more 30day late payments on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Began calling a few days after missed credit card payment. Calls as much as 30 times per day, every 15 minutes. No day passed without at least 10 calls. Using phishing phone numbers from my area code. Using as many as 18 different phone numbers. When I called the phone numbers back, they ALL answered " Capital One. '' Never leaves a voice message, just incessant malicious harassment at a time of national coronavirus crisis when they know millions are struggling financially which makes this behavior all the more heinous. When I complained about the calls, they suspended my credit cards. Thanks to cellphones, everything is recorded and documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The three main issues : ( 1 ) Mortgage payments for an ( XXXX ) loan taken out in 2006 do not appear to have been applied properly to the mortgage. 
( 2 ) Homeside lending issued an XXXX mortgage and communicated they would aggregate the monthly payment into " XXXX '' payment request to us, and they would allocate across the XXXX loans. It appears that never happened as the 2nd mortgage looks like it never received a payment. 
( 3 ) Post a serious delinquency during the financial crisis, we reinstated the loan thinking we were obviously reinstating XXXX loans ( XXXX / XXXX ). We have since learned only the first mortgage was reinstated, the 2nd charged off, the balance on the first has only dropped by {$10000.00} over the past 10 years although we have made over {$100000.00} in payments to the various mortgage companies & banks that have owned our loans, and the balance for the 2nd is reporting the same as the original 2nd loan amount. 

Please note : These loans were with Homeside Lending, then XXXX went to XXXX XXXX XXXX, then to XXXX. Currently the 1st mortgage is with XXXX and XXXX placed the 2nd mortgage with another company. We did not have the original mortgage documents but were able to provide documents from the courts to substantiate the loans which includes the lenders name, loan number, and dates. We have also provided a copy of the credit report which shows the balances quoted in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Citi Management Group, LLC
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been receiving numerous calls to my work place from a man name XXXX who says he is with City Management Group. He says I owe a debt of XXXX dollars for " XXXX XXXX ''. There is no such thin as XXXX XXXX it is known as XXXX XXXX. I found it to be very " shady '' I asked him numerous times to send me a paper bill to my address which they said they did but sent it to an older address of which i have not lived for almost 10 years. They kept asking me to " Take care of it '' over the phone using a credit card and i said i was not going to give any personal information over the phone unless I have verification of the debt via paperwork. They would not oblige, and kept harassing my place of work and I am a police and medical dispatcher. They called today while I was dealing with a call and i told them to politely call when I 'm not on duty to which he says " I never answer '' but they never call after XXXX which is when I 'm still at work. I hung up after telling him i was busy at work dealing with a call and i hung up. He proceeded to then call me back requesting to speak to my supervisor which is me. I told him that over and over how this debt would be handled and he has not obliged and instead harassed me for the last month or XXXX. And keeps threatening me with " further action '' Yet no " further action '' has been taken. 
The number they are calling me from is XXXX which is in XXXX XXXX. I 'm in XXXX XXXX. Ive researched the number and most websites have listed it as spam and harassing. I do not mind paying a debt if it is real, but i have reasons to believe this is not a real debt especially after I refuse to give them my credit card which i do not have XXXX and he tells me to go buy a prepaid card and put X amount of money on it. 
If this is a debt that i owe I gladly would pay it, but there are easier ways of going about trying to collect a debt and this guy XXXX has not done so and has been very unprofessional, rude, and threatening. I have recorded lines proving so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: WESTSTAR MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received a bill saying that our escrow account was short {$3000.00} and that we would need to either pay that in full or be added onto our monthly payments making our new payments {$430.00} more a month than what we currently pay. Call the mortgage company to find out what was going on they said there had been a mistake or glitch in their computer that caused this to have this shortage that we need to pay we have called and expressed our frustrations with the mortgage company that we do not feel like we should have to pay for a mistake they made but they do not agree there is no way we can afford this kind of a mistake on our monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX 30 days late in XX/XX/2022 but I was never late! 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!

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 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all 3 credit bureaus about a fraudulent item on my credit report and submitted a letter with a police report attached and asked them to remove the fraudulent account that I discovered. It is now more than 6 weeks later and none of the credit bureaus have done what they are required to do so per the FCRA. As a matter of fact XXXX  states that based on their " investigation '' the item remains unchanged. which in fact means that they have done none of their fiduciary duties and removed this fraudulent item on lay report. Clearly no investigation was done, as they are required to do so by the FCRA, and clearly they are not following the laws of the FCRA. 

A copy of the fraudulent account is attached with XXXX XXXX comments that " after investigation, the item remained unchanged and that this meets the FCRA ''

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 2017-03-04
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a creditor on my XXXX credit report from XXXX that is a closed account. That continues to report past due. Their is nothing owed on the account and no past due amount, but it continues to report past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2022 I sent Certified Mail to all 3 credit bureaus ( XXXX, Experian and XXXX ) notifying them that the personal information listed on my report is inaccurate. Credit bureaus are legally required to report accurate and up to date information. On all 3 reports addresses, phone numbers and alias names were linked to myself. This may possibly be from identity fraud or negligence on the part of these credit agencies.

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