BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-29
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Signed up for a class at the XXXX XXXX XXXX at XXXX XXXX. Paid {$1400.00} up front for a class I believe had been {$2000.00}, dropped the class after attending just XXXX classes. I had been told to notify the XXXX office, which I did but never received any paperwork to demonstrate my dropping of the class. This is from the summer of XXXX. 

There had been an alleged certified mail sent to me, XXXX XXXX, never received it. It shows I signed for it, the same day it had been sent out. That is not possible and it is not my signature. 
I have since had the law firm of Fein, Such , Kahn & Shepard put a levy on my checking account. I fear next they 'll attempt to repossess my car, the only thing I do have and would n't be able to get to work. 
I had spent the past 3 years on general assistance due to helping my mother who had been diagnosed with XXXX XXXX. Lost her in XXXX of XXXX and then lost my father, XXXX of XXXX. I now live in a home that my father did a reverse mortgage on, I have no heat or hot water as I could n't afford to pay the bills he left behind at the time of his death. 
I started working again a few months ago at the XXXX, this position required XXXX. Having gone through XXXX background check, XXXX, I have now been informed XXXX. 
I received an official letter from them this week, XXXX/XXXX/XXXX. 
I am not sure whether my compromised information is a result of what is happening and what this unscrupuous law firm is attempting to do to me. Pay a {$6000.00} debt, an alleged debt that when contacting XXXX XXXX, has no knowledge of. 
They can see I paid {$1400.00} of the class and nothing of me owing them any money whatsoever. 
The above mentioned law firm states they 're representing XXXX XXXX, as said, the school is not aware of any debt owed to them from XXXX or anytime after that. 
This is who I had spoke with at XXXX XXXX XXXX XXXX , Program Coordinator for XXXX. 
I can not afford to pay this alleged debt, I do not owe this allged debt, this law firm to using the law to collect what 's called zombie debt and using any means to collect that alleged debt for their own financial gain. 
I also suffer from XXXX XXXX XXXX and this added stress has been causing me issues with the disease. I am attempting to get back up on my feet, work, move to an apartment, pay legitimate debts I owe and can not endure what this law firm is attempting to do. 
When researching that law firm, first XXXX results are of ripoff report, XXXX complaints with their debt collecting tactics, being sued by another state 's court for robosigning mortgages and makes me wonder how they 're still able to operate? 
I can provide all required documentation, transcripts of my discussions with XXXX XXXX, XXXX official letter that my XXXX being on general assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: OpenRoad Lending
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
rec in the mail offer 6.29 apr, if approved, was approve but came back 11.5 apr their adv is misleading

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 


DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : 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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following accounts. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! )

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 2022-11-21
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The company constantly close my cases XXXX without giving me any legitimate reason. The company close the dispute case claiming that I did not upload supporting document. But I did upload everything they requested and the bank portable confirmed the receipt of my uploaded documents

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 2017-03-13
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a complaint from XXXX ( consumer ) against XXXX ( creditor ). XXXX Bank has unfairly and deceptively misrepresented its mailing address, making it difficult for consumers to contact it and resolve disputed debts. 

As of XX/XX/2017, XXXX is reporting an open collection account on Consumer 's XXXX credit report [ see exhibit A ]. Consumer does not recognize this debt, so on XX/XX/2017, consumer ( through legal counsel ) sent a written request for documentation to the contact address provided by XXXX in the credit report which requested documentation regarding the original debt [ see exhibit B ]. 
On XX/XX/2017, the letter was returned to sender and marked as " Not Deliverable as Addressed. '' [ See Exhibit C ] This letter was sent to the address listed as the creditor 's contact information on page 38 of consumer 's credit report. Despite a records and internet search no other mailing address, phone number, fax number or email address could be found. Without a valid mailing address, XXXX can not obtain information regarding the debt and therefore can not make an informed decision about it. 

XXXX is a sophisticated party in the consumer debt industry and is aware of the need to be available for consumer inquiries. Knowing this, XXXX has made it virtually impossible for a consumer to initiate communication with it. I can only surmise that XXXX 's isolation and obscurity is intentional and for the purpose of unfairly frustrating, deceiving and abusing consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2020-12-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a saving account with TD bank on XX/XX/XXXX and did a fund transfer with {$20000.00} from my XXXX XXXX  to TD bank saving account on the same day right after the account is opened. 

TD bank closed my account for some unknown reason afterwards and sent an email stating that the fund transfer was unsuccessful. 

However the money didn't go back to my XXXX  XXXX  account untill now. 

I've reached out to one of the TD bank branch and also filed a complaint with XXXX XXXX. However the issue is still not resolved. 

Attached is the reponse from XXXX XXXX. 

Please take this complaint seriously. All the actions are performed and instructed on TD bank online system, TD bank should make a graceful transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Greetings, I am a resident of NC and a home owner that has had some hardship as having no employment to working XXXX jobs to keep my home. Ive submitted a loan modification to OCWEN a loan bank to please make adjustment accordingly to my income and adjust my interest rate to be affordable. However, they have denied and proceeded with attorney to for foreclosure / or short sale. I submitted paperwork and documents requested, paystubs employer statements over and over and they down play my income and deny any options. By the time you receive this i would hope that I am not put out. I would hope that they consider this is where i live. I want my home and I surely will pay. I only asked for a lower interest rate and an affordable payment. What affordable XXXX XXXX dollars with an interest rate of at least XXXX. 
They told me not to go to court that they would delay the foreclosure when in all I should have went and talked to the Judge. It seems they want me to lose the home giving such misleading advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification from OCWEN for almost two years. They have put me through the ringer. My account is a XXXX account. When I ask for a modification they just raise my monthly payments and extend the loan but never give me a modification. Many of my payments were not reported. I ask OCWEN to send me a copy of my original contract with my payment history but they just refuse. They ask me to send the same paper work over and over again. This seems to be a never ending story. THIS IS UNLAWFUL. PLEASE HELP ME. I bought this home in 2007 THAT IS MY XXXX DREAM. IT IS HORRIFIC TO THINK THAT I COULD LOSE IT DUE TO THE ILLEGAL ACTIONS OF OCWEN!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I lost my Bank of America credit card and reported it to Bank of America. I set up the fraud claim with Bank of America. Bank of America refuse to reimburse me for the fraud loss.

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 2017-02-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received notification that one of my credit cards were over-utilized and Experian dropped my score by about XXXX points. It was in fact my son 's credit card and Experian put that on my profile. After disputing it, Experian deleted it but never put the points back. I called them on numerous times and every time was disconnected by Experian when requesting to speak to a supervisor. Also found numerous phone numbers and even employer names that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I pay my mortgage on time every month via the website. Last month when I tried to make my XXXX payment it would not accept my payment stating my payment was past due again my payments are made on time every month. When I called Ocwen I spoke with XXXX Id # XXXX she keeping stating that my payment was past due which was incorrect I ask to speak with a manager or supervisor spoke with XXXX XXXX id # XXXX he researched this and stated that my payment was not applied to my account in XXXX and was trying to charge my a fee to make the XXXX payment again never late company error try to make me pay for the fee to accept my payment over the phone the website would not accept my payments via stating my payment was over due. After stating my case the gentleman stated the fee would be waived and that the site would be corrected today I am trying to make my payment again the website states my payment is past due. Please help with this situation I am so tired of companies doing to consumers thinking we are stupid and they can do whatever they want. Changes need to take place with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a payoff from Ocwen loan servicing. There are extra fees totaling almost {$7000.00} When I called to negotiate the fees and/or the removal of them I was denied and told that according to the terms of the loan and modification. The problem is that one is a deferred principal balance fee of {$5200.00}. That was from the modification 3 years ago. I was to have that amount removed each year for 3 years. But 3 years ago I received a XXXX for the entire amount of {$15000.00} which we had to claim as income on our tax returns. So therefore according to our records with the IRS we have already paid taxes on that income ( which also changed our tax bracket to a higher bracket ). 

When I called today I was told this will not be removed. 

I would like this formally investigated and reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Green & Sons Agency, Inc.
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Outsource reported debt on my son 's social security number when it was not his. His father has the same XXXX name and they reported his debt as my sons. Now they feel it is n't their problem to fix it. They made no effort to get the social security number before sending it to the reporting bureau.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2015-09-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Thank you again for helping me resolved my property issue that i do legally have the privilege to own but my bank Ocwen loan servicing LLC would continue to lie and cover up their illegal forclosure on my property that i purchased in XXXX i have faxed you my legal notarized documents of my payoff letter my reconveyance also the Attorney XXXX XXXX XXXX, also known as XXXX he has never worked with me on my issue with ocwen he poped out of nowhere after i diligently asked ocwen since XXXX to quiet my title by putting me back on my title they refuse to do so they continue to push me away with their lies and fraudulent behavior even attorney general XXXX XXXX sued ocwen who is homewardrresidential, and American home mortgage servicing all fall under ocwen, ocwen illegally forclosed on my home i was apart of the national ocwen settlement whose home was illegally foreclosed on by Ocwen in XXXX. XXXX ocwen attorney our liars the first attorney XXXX has left the company and now XXXX XXXX. XXXX has just left the company and Ocwen ombudsman dept. XXXX XXXX is telling ocwen staff not to talk with me please help me stop this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , LLC has violated RESPA 12 CFR 1024.17, Improper aggregate accounting in connection with the escrow account. On XXXX XXXX, 2017, Ocwen Loan Servicing , LLC, provided me with an " escrow '' analyzes statement. Page XXXX of XXXX reflects that Ocwen loan Servicing LLc collected {$480.00} towards the Flood insurance policy. The amount of {$480.00} is incorrect. Flood policy reflect the premium to be {$260.00}. Ocwen collected a higher amount seeking to pocket the difference. Thus, according to the insurance agent ( XXXX XXXX XXXX ), the flood policy was never paid by Ocwen Loan Servicing , LLC . This means that i was without flood insurance policy for an entire year while Ocwen Loan Servicing , LLc collected the amount from the escrow and failed to pay the insurance company. 

Page XXXX of XXXX, of the escrow analyzes reflect that Ocwen Loan Servicing , LLC collected the amount of {$3600.00} towards the Hazard insurance. Please see the attached Hazard Policy. The record reveals that the insurance policy premium to be {$2600.00} and not the mount described in the escrow analyzes. 

Ocwen Loan Servicing , LLC has committed fraud upon the escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Duncan Solutions, lnc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Today I spoke with a representative from this company who called me out of my name, while then attempting to hang up on me before I asked to speak with her supervisor ; after which she transferred me to another department instead of her supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CITIBANK, N.A.
State: DC
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:
Citi bank emailed me on XX/XX/XXXX that they had closed my credit card account due to inactivity without having informed or warned my prior to such action. I called them and they told me they had sent me a letter one year ago urging me to use the card more but making not mention of possible closure of the account. I asked them to reopen the account ( this is my oldest account ) and they made me undergo a credit check again. This has implications on my credit score which is unacceptable since the bank failed to communicate with me their intention ( and/or policy ) to close the account, or receive my prior authorization for such action. They also failed to remedy the situation once contacted.

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 2015-11-12
Company: Revenue Recovery Corporation
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from a collection agency regarding a medical debt. I sent a letter asking for information on the debt since I had no knowledge. I also asked nothing be reported to credit report until we could verify the debt. I have yet to received ANYTHING from them and it has since been reported to my credit report. I also sent a secured email to them through their website. They stated they could not tell me anything over the SECURE email even though I verified my information through it! They stated they could call me and I advised them they could send me a letter. I have also never received anything from that communication. I feel it is wrong to report something negative to my credit report without allowing me to verify and/or pay the debt once provided with the information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation