BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Apple Card/Goldman Sachs processed a payment for an ongoing subscription service I did not authorize. They then failed to send me a statement of make an effort to notify me of past due account reporting this a a delinquent account to the credit bureaus destroying my stellar credit rating over {$44.00}. 

I would not have been aware of this if it had not been for a credit monitoring service I have provided by XXXX. I paid this balance in an effort to mitigate the records but apparently, the damage has been done. I have closed this account but this report remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26
Company: Navient Solutions, LLC.
State: MT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was owed to collection company for various court fines for traffic violations. The debt was paid in full through cashiers checks issued from bank all on same day. Collection agency is claiming balance owed for collection fees that were posted to the account the day all balances were paid. Never received a bill for collection fees before paying all balances in full. Still have n't received a bill for the collection fees after paying balances in full. This issue is now hindering my ability to obtain a valid drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: GA
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  acct # XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 Statesa consumer reporting agency can not furnish a account without my written agreement or instructions. thank you much for reviewing this matter. 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 2015-04-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
put a lien on my house. after I paid them off, they did n't remove the lien or judgement. I am now trying to sell that house, and ca n't cause of the lien. they are refusing to remove the lien and wo n't talk to me, but insist I get a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Since XX/XX/XXXX I have had a mortgage loan with Bank of America. On or around XX/XX/XXXX I contacted the bank to request a lower interest rate and the bank indicated that my only option would be to refinance. I submitted my application at that time with the bank 's offer to reduce my APR from 4.785 % to 2.785 % and our monthly payment from {$770.00} to {$580.00}, however, after more than two months of requesting an excessive amount of documents, XXXX different loan officers, and a {$470.00} application fee, the bank decided to close my application because of " Excessive obligations in relation to income '' and I was told that I would need to start all over if I wanted to apply again. The refinancing was based on my income alone, same as the original loan, however, my wife worked and continues working full time as a teacher, nearly doubling our household income, both of us have excellent credit and have not missed any payments.

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 2022-11-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed a bankruptcy on my consumer report, and the consumer reporting agency claimed it was through a third-party vendor XXXX. That information was false. My XXXX  XXXX consumer report has a freeze, and the information on the report is also in dispute. I have a recorded conversation with an agent from XXXX XXXX confirming they did not verify the alleged bankruptcy with any consumer reporting agency because my account has a freeze, and the alleged bankruptcy is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have attempted three times by certified mail to attempt to gain validation of this debt starting XXXX/XXXX/2016. I have yet to receive a response from this company as of XXXX/XXXX/16. I have verified receipt of all correspondence was received. While waiting for a response and doing research on the company I developed the fact that this company is not bonded as should not be conducting business with the XXXX bureaus and doing business in the state of Texas. I notified XXXX of this discovery by certified mail as well and I was told to reach back out to the company and all they could do is report what the company has given them. XXXX did not perform a thorough investigation as I requested in my letter. I advised XXXX that they are reporting inaccurate information that could not be validated. To no avail, the inaccurate information rests on my credit report with no validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a mortgage with Ocwen Loan Servicing. We have been attempting to get a loan modification with them for more then 2 months now. We have sent them all the paperwork they require but everytime they call us they say something is missing. Then when we send them what they ask for they say something else is missing even though we ask them when we call if there is anything else required and they say no. The customer service reps have repeatedly lied to us saying things like we have not received this documentation so then when we email it they then say oh yeah we did get that but something is missing from it even though it is exactly what they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX is attempting to collect a debt that was discharged in Federal Bankruptcy Court three years ago. They have also placed false, negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was sent a letter from MIDLAND CREDIT MANAGEMENT stating that I owed an Alleged amount of {$260.00} with XXXX XXXX XXXX 
This debt is not mine and is fraudulent in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: The Law Offices of Barry J. Gammons, PLLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TN XXXX TELEPHONE : XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : XXXX On, XXXX XX/XX/XXXX, I applied for and received a " Pay Day Loan '', in the amount of $ XXXX, at an interest rate of 279.50 %. Due to my exhausted income, compounded with the birth/care of a newborn, I began to default on agreed upon, monthly payments. My account was transferred to collections, where again, I began to default on payments, due to adjustments both with my income and increased monthly expenses. 

On, XXXX XX/XX/XXXX, I was served a " civil warrant '', brought by XXXX XXXX XXXX XXXX XXXX, properly noticing me to appear in Court, in XXXX, TN, on XXXX XX/XX/XXXX, at XXXX ( c.s.t. ), in lieu of a suit being filed against me, for the amount of $ XXXX. 

On, XXXX XX/XX/XXXX, I received an Agreed Order of Judgement, from the Law Offices of XXXX XXXX XXXX, per our previous phone conversation, whereas I agreed to monthly payments of $ XXXX, with the first payment to commence on, XXXX XX/XX/XXXX, at a per annum XXXX of 6.9 %. On, XXXX XX/XX/XXXX, to avoid any further, potential penalties, I signed, dated, and via email forwarded the document to XXXX XXXX office. 

XXXX, I have consented to XXXX of XXXX, it was out of fear of further proceedings being taken against. Had I known about " predatory lending practices '', I would have never sought that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, at XXXX XXXX, I was suppose to get a deposit of XXXX dollars, in my checking account. It never showed up in my account, I contacted social security, and they said they had the right routing, /account number, and it should be at US BANK XXXX I went to US BANK , three times, and they would not tell me were my money is, even though they said my routing number and account number was correct, I had to pay my rent, so I am overdrawn now, because this bank, can not accept direct deposits. Even though they push me into having direct deposit, or they would penalize me {$6.00} a month. XXXX  I just want my money, I will be paying {$100.00} dollars overdraft fees, because of them.

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 2016-10-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My foreclosure trial case was postponed on XX/XX/2016 waiting for a Loan modification appeal response. Select Portfolio Services failed to use the correct and undisputed monthly gross income figure twice after receiving notification of their mistake. In writing on XX/XX/2016, and alerting them to yet of a worst mistake by phone on XX/XX/2016. This prompted to agreed motion to postpone court trial. See attachments. 
I contacted SPS on XX/XX/2016 to find out the status of the review only to be told that there was no review in progress since their decision dated XX/XX/2016 was their final and if I wanted further consideration I would have to start all over. 
After it took over 7 months for SPS to be satisfied that I had provided all the documentation needed, I feel SPS is not acting in good faith by demanding the process to start all over. I demand their mistake corrected without having to go through the whole process since a new trial date has been set for XX/XX/2016 where I can lose my home. 

It is obvious that SPS is failing in correcting and reviewing submitted and accepted information time and time again. 
On their letter dated XX/XX/2016, the loss Mitigation review determined that they incorrectly used the figure of {$3500.00} and updated with the " correct '' amount of {$2800.00}. The correct figure is {$4700.00} plus {$480.00} a month projected Estate distribution from XXXX XXXX once his mother 's Estate is settled. This information and supporting documents were furnished and accepted by SPS as part of the modification application package. So our monthly gross income should have reflected at least {$4700.00} or {$5100.00} not {$2800.00}. 
Upset that my Trial date was on XX/XX/2016 I called them to alert them yet AGAIN that they used the wrong amount. The representative then, reviewed my file and realized of the mistake and submitted the file for review again. I asked them to alert my attorney and their attorney that a final review would not be possible before my trial date of XX/XX/2016. 
XXXX XXXX XXXX of SPS Document Control Officer advised me that as of XX/XX/2016 a Motion to Continue would be filed to postpone trial on those grounds. It was done and accepted by the court. Unfortunately nothing was done since. Now I am told the review was completed as of XX/XX/2016 which by their motion presented on XX/XX/2016 makes no sense. 
Under the above circumstances I feel that SPS is not acting in good faith, by requesting us to do it all over with information that has been submitted, verified, accepted and completed under their own terms. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
i have been in limbo since XXXX with my mortgage. this has destroyed my business and my family. i needed my credit to get loans to build etc ... .. i tried working with indy mac years ago but they started a modification but stopped because the FDIC was taking them over. since then the new company XXXX charges and misc charge for inspections, realtor fee 's etc ... .have just put the loan amount through the roof. i ca n't get them to give me the bills for all these charges and the licenses of the people doing these special tasks for the bank. for example the bank is charging me XXXX of dollars for realtor appraisals? they do this for free? also this needs to be done by a XXXX person. they will not send me the name of the person and copy of the XXXX or the report? if i am to pay for this why cant i get this info? this is just one of the scams and added fraudulent charges they are trying to have me pay. this again is to drive up the cost on the house to put it further and further under water.i have since found out that they have no real willingness to modify because they are reimbursed the entire original loan amount from the FDIC no matter what they sell the take house for. 
now bank has started up again with foreclosure. they ca n't produce the original note and have told me the note was lost. i was told if the note is lost. they give the court documents that are totally fraudulent. 
i spoke to a reporter who is doing a story on this whole thing and since then in XXXX thing seemed to have stopped? he found violations of so many different banking laws and sec rules. 
now the bank has hired a new attorney and they say a satisfaction of mortgage which my esq found on the town records fraud? they made a mistake and now they say i am to blame. they have use robo signed doc for years and now that it is in my favor it is my fault? i have written hundred of letter to indy mac and every time they tell me something different. i was told note was lost and i would be getting a XXXX back in XXXX? this is why it was satisfied. 

crazy thing is they are doing all this with tasx payer .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was falling behind on my mortgage with Ocwen. So at about XXXX days behind, I contacted them to tell them I had lost my job and was now working for a lower wage, but I still wanted to save up money to make a payment. They told me I legally had XXXX days to make a payment. So I scrimped and saved, so as the XXXX day was approaching I found that I would get paid my last portion that I needed on the XXXX day. I called Ocwen on the XXXX day and asked them if I could submit my payment on the XXXX day. They told me that would be fine. So I wired my payment from my bank ( XXXX/XXXX/15 ). They subsequently sent it back to me on ( XXXX/XXXX/15 ) and told me that I was too late and that now I owed $ XXXX+ dollars which I did not have. Since then I have been trying to work out a modification which they denied and find myself possibly facing foreclosure. They said that never received the funds. I have proof of the wire activities via my bank. They have ignored this and are proceeding to try to take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2022, I received an email congratulating me on a new XXXX XXXX card that I did not request or open. I immediately called the XXXX XXXX charge services number and reported the fraudulent card. I was told someone from the XXXX department would reach out to me via call or email. I asked whether the account would be closed immediately or at least blocked until the investigation was completed and it could be closed. The representative just said, " don't worry, ma'am, they will handle this correctly. '' I never heard from anyone and then received the physical card in the mail ready for activation. This was over a week after my call. On XX/XX/2022, I called the XXXX XXXX charge number again because even though I disputed the inquiry on my credit reports, the account still appeared as XXXX of my accounts. This could have been prevented by closing the account on XX/XX/XXXX as I requested due to true identity fraud. When I called in XXXX, I was told the XXXX department wouldn't have reached out to me and that the information I was provided was incorrect. I was given a separate phone number to call instead of connected directly to the fraud department. The account should never have been opened, and my credit report should not be affected by the identity theft that occurred. The inquiries were not even posted yet when I called in the first time.

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 2017-02-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In or about XXXX 2016 I was notified by Select Portfolio Services that I was eligible for a loan modification. I completed the application about XXXX 2016 and began the process of submitting the required documentation. I spoke with the Relationship Manager assigned to my account and many other reps regarding required documentation, took notes and sent the documents exactly as requested. I have been asked to resend the same documents in different formats on XXXX - XXXX occasions since I started the process. Weeks would pass and I would n't hear from them only to find out another document needed to be reformatted and sent in again. The most recent request was to fill out another application which was which is redundant because an application was completed when I initiated the process. This complaint is about the administration of the modification process. I have been in compliance with all requests from SPS and it has been unproductive and not yielded any results to date. My life has been on hold waiting to hear from SPS with a decision and I have not made any financial transactions that might XXXX the process. I am deeply concerned about the deceptive delay tactics that have been used with me by SPS regarding this modification and the reasons why. I expressed my concerns on several occasions with SPS representatives and was told that we are near the end of the process and I just need to submit the requested information and this would be it. It never was " it '' there was always another request.

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