BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-08
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Loan " Servicing '' company my mortgage was transferred to is cheating consumers by not applying additional principal payments made on accounts in a timely manner -- or possibly even at all. My normal payments are made via auto-withdrawal from my checking account each month. The amount I owe is {$1200.00} and I always pay {$1300.00}. The additional {$39.00} should be applied toward my principal but they " withhold '' this money in unapplied funds. I do believe it is eventually applied, though I am not 100 % sure but it is not done immediately and therefore interest is accuring and thus in the end I am charged more. MY BIGGEST ISSUE : I recently sent a paper check to make an additional {$3600.00} payment toward my principal. I noted principal payment both on the check and on the payment coupon enclosed. They applied only {$2300.00} of the {$3600.00} toward my principal and then applied {$1200.00} toward my regular payment due XXXX XXXX -- -and then auto-withdrew my normal XXXX payment and applied it to XXXX. Though I am not a financial guru, I am confident that I am not coming out ahead in the interest calculations with the method they are using. They need to apply additional principal payments IMMEDIATELY. I made a phone call this morning and they indicated they would correct the issue ... ..How many people do not realize their deceptiveness and make that call. Americans like me work too hard for their money and when they get the opportunity to try and pay down a principal on a large mortgage, they should not be deceived by these large companies. I did n't choose OCWEN ... ..my mortgage was transferred there. The company is OCWEN Loan Servicing , LLC and the only address I have is XXXX XXXX XXXX ; XXXX XXXX XXXX, FL XXXX. This deceptive practice needs to be stopped across the board with all lenders. We should not have to babysit these companies and make them appropriately apply our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I repeated told IQ Data International on phone calls that the debt that they were attempting to collect was not mine and that the burden was on them to find out. I then mailed them in early XXXX proof of a lease agreement that the debt is not mine. I sent this mail certified. They had till the XXXX of XXXX to remove the debt from my credit report. 
The debt is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 Acc # XXXX and Acc # XXXX XXXX XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Global Lending Services LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
GLS-GAP Policy/Global Lending Services LLC states if your car is totaled pays off auto loan balance, this never happen. GAP policy for Global Lending Services LLC - ( dealership funding checklist ) GAP Policy provider has not honored it contract, this GAP insurance provider Global Lending Services LLC never applied this monies to totaled loss deficiency loss balance {$28000.00}. Please apply this GAP policy contract and remove my Global Garnishment off my credit report at the 3 major reporting agencies and remove garnishment off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX this garnishment in error PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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 Acct # XXXX and XXXX ACCT # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2016-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I asked the Credit Bureau to please provide me with the written or verbal authorization that I gave to ANY entity to provide Public Record Information to them, if not they are breaking the FCRA law XXXX and those items need to be removed from my credit report. The Credit Bureau sent me a response stating that it had been verified by XXXX XXXX, which is strange because thier is a freeze on my XXXX XXXX report, so that 's a lie. They have yet to send me the validation I requested and it has been over 30 days and a statement of re-investigation has yet to be added to my credit report, which is another law they are breaking.

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 2022-05-22
Company: Self Financial Inc.
State: NC
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 Acc # XXXX XXXX XXXX XXXX XXXX Account # XXXX & # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card
Issue: Cash advance

Complaint:
On XXXX/XXXX/16 I went into Bank of America to get a loan of up to {$1000.00} however, BoA now only uses credit cards and no longer gives personal loans. Needing the money and thinking I would also be able to build my credit, I decided to go with the BoA Cash XXXX card and was told by the banker who was helping me that he will be putting a " rush '' on the card and will arrive on Monday, XXXX/XXXX/16 but may take as long as Friday XXXX/XXXX/16. After Wednesday XXXX/XXXX/16 passes I ask about my card and am told that if I need any credit card assistance to call the XXXX number for CC complaints, again all I am told is that is has been shipped out from Delaware on XXXX/XXXX/16 and should be arriving shortly. Quite annoyed at this point I call the banker who helped me again and tell him my CC has yet to arrive. My banker and I proceeded to the XXXX CC complaint on a 3-way conference call to which the woman on the line told us my address was not accepted and they returned the card to sender. The woman then tells me she can have it shipped to a XXXX Store for me to which i agreed to and that it will arrive on the XXXX of XXXX and to call the BoA CC complaint to get my tracking number from them. XXXX/XXXX/16 at XXXX I called XXXX XXXX Stores close to my location to see if my package arrived to which they told me no. Shortly after I proceeded to call the XXXX CC number again and explain to the woman all that happened and that I am to receive my card today XXXX/XXXX/16 but to my surprise she told me they never mailed it out through XXXX, have no tracking number, and also no notes of ever having a conversation about mailing through XXXX. It is now XXXX/XXXX/16 as I write this and still have yet to receive my card. This leaves me furious because I put in the last of my money ( {$99.00} ) thinking I could get help as well as build my credit however it is now 36 days later, I am out of {$99.00} and still have absolutely no idea where my credit card is and as it sounds, BoA does not know where my card is either.

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 2022-03-29
Company: Kentucky Higher Education Assistance Authority
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
During the Covid-19 pandemic, during the relief program that started on XX/XX/XXXX until XX/XX/XXXX, repayment and deferment policies were put in place, and loans were no longer being put into default during this time. I have a student loan that was placed in default XX/XX/XXXX, and can not access it or pay it off due to the servicer no longer having access to it because it is property of the Dept of Education, but the Dept of Education doesn't have access to the loan either. This defaulted loan is preventing me from receiving financial aid for continuing my education. Please advise me on how to get my loan out of default when it was not supposed to have happened during this time and the Covid relief program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I received at least two years ( not consecutively ) of not having to pay on my student loan due to personal hardships ( unemployment, caregiver, divorce ). While the forebearance did help me through my rough patches, my interest is considerably higher now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had XXXX checks deposited into my bank account on XX/XX/XXXX This deposit was not placed on hold i did not receive a hold notice of anytime. the checks that were deposited were sent from a company to be deposited into another bank of america account. which i did once the funds cleared on XX/XX/XXXX later after i check my bank account and XXXX of the checks were placed on hold. i called bank of america and they told me that i was going to receive mail advising me of that hold. to my understanding when any item is placed on hold i am suppose to receive a hold notice and i did not receive XXXX. the representative said there is nothing he could do and there was a hold. The representative seemed to not care much and told me id have to come up with the funds to pay the bank back. I am a victim of fraud at this moment because i was advised to deposit those checks take the money out and deposit into another bank of america account. XXXX in your system will show exactly what account it is in and i feel like you guys could do way more to help me with these scammers. Not only that I was never told about this hold i received a copy of the deposit receipt and on there it does not show a hold. From what i know i am supposed to be advised about any hold and i was not this would of avoided the other transaction.

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
Consumer complaint received 2022-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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  account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written imstructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Midwest Loan Services, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
If an online payment fails to process, the ability to make online payments is immediately locked. At that point, your only option is to call their toll-free number to make a payment. I have not been able to speak to anyone for the entire month of XXXX despite spending repeated calls and hours spent on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Because my PayPal account, became permenantly limited, I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business. 
BUSINESS NAME : XXXX XXXX  DESCRIPTION : digital selling, or online lessons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have sent to two letters to Equifax to validate 4 reporting closed accounts or collections on my credit report. First letter was sent on XX/XX/19 and Equifax responded on XX/XX/19. The second letter was sent on the XX/XX/19, and Equifax responded on XX/XX/19. I stated in both letters if they can't verify these accounts which would be a original consumer contract with my signature on it, to respectively delete it. Both of their response has been that they have verified with original source or creditor without no proof. Even though they are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. I have demanded proof and haven't received proof but they are still reporting these accounts. Not to mention several of these closed accounts are still reporting to my credit report which is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account is permanently restricted/blocked by paypal. 
I don't know why this happened, I didn't do anything, I didn't do anything like fraud, I just used paypal as a place to receive/pay money from clients. 
And paypal often ask questions about my business, I answer honestly, and send files/documents/id cards truthfully. XXXX XXXX XXXX XXXX XXXX XXXX who buys and sells goods in the form of files. and after explaining about the information, my account became like this. 
I ask for your help, I hope my account can be opened soon, because I need money. 

Account blocking date : XX/XX/2022 Remaining balance : XXXX USD $ Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I filed and got a chapter XXXX discharge in XXXX 2011, XXXX of my creditors was XXXX XXXX for a career loan through a non credited school, which was included in the Bankruptcy. I have started to get calls from XXXX XXXX XXXX systems of XXXX, Ohio as of XXXX XXXX that my career loan was not qualified for XXXX. And I have to pay the full amount. After XXXX years? I have contacted the XXXX XXXX loans and confirmed the loan is not a Federal Student loan. This loan was a signature loan for {$50000.00} and now the XXXX party collection company is claiming I owe {$12000.00}. Looking for help to resolve this as I was under the assumption this was discharged as well. Under IRS policy this is not qualified as an student loan.The collection company has called my family members and stated this is an attempt to collect a debt ( why are they sharing private information with family and friends )?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been working very hard to repair my credit with all XXXX agencies for two years! I have called, written, disputed and have completed everything all XXXX agencies have asked. I contacted XXXX XXXX and decided not to use their services as I have been following the exact practices myself. I have opened new accounts and all are paid as agreed. I have had derogatory items removed from all three reports. I currently only have XXXX derogatory accounts on my report, and XXXX are medical, with a total balance of under {$2500.00}. 
I have been watching my scores using the Annual Credit Report, XXXX, XXXX XXXX, XXXX XXXX and XXXX Credit through XXXX XXXX. 
After all of this, my score has increased only XXXX points! It hovers around XXXX and will change up to XXXX points per month without any additional credit activity. I feel all XXXX agencies are not giving me the attention deserved and are preventing me from purchasing a home and acquiring credit. 
I have reached my boiling as Every time I complete a task they require to raise my score, another issue seems to appear to prevent the increase. 
Any help will be much appreciated. 
Thank You. 

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 2015-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX foreclosed on our property XXXX XXXX, XXXX, the credit report shows the foreclosure occurred in XXXX. We have documentation to prove the date of the sheriff sale. We were told to vacate the property XXXX XXXX, XXXX. We are trying to clean up our credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
well you did a case for me on XXXX dba XXXX well i just got back into transunion and looked up XXXX XXXX., which i been disputing, over again. well i got init tonight and found all my payments missing all of them wiped out the only thing i see is showing is late payment monts on it, but know paid payments. i trying to see where they went and so i did anothere dispute again. it like all my payment from my account are missing even credit card and my lind of credit from XXXX, need your help. i asked attorney general but since then nothing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing LLC is ambiguous with their use of my money and can not justify how they are using/applying my payments. In addition to making my regular, monthly payments on my house mortgage, i also send additional payments to be applied to my principal account only. Every month, I send a principal ONLY payment and i call them, it reflects on my online account for one day and then the next day, the company reverses the principal payment in order to charge interest on the payment. Also, when i call customer service, they become aggravated with my inquiries and are unable to explain/decipher my payment history on their ledgers. Ocwen is committing fraud against their customers/consumers.

Company response to consumer: Closed with explanation