BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-20
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN Loan Servicing LLC is at it again. 

I 've already had to file a complaint on them for changing our mortgage payment without notice XXXX XXXX 2013? XXXX. They complied and changed our payment to XXXX reflective of our loan terms and APR. 

Now they are attempting to do so again. They 've sent a document stating that our APR is the same, but our payment has increased by 243 %. How can this be?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Today is XXXX, XXXX, 2015, no payment has been made for over eight years on a mortgage for a home that I legally own. The Statue Of Limitations in MA is XXXX years to collect any kind of debt. The original mortgage was with XXXX XXXX Mortgage and XXXX Mortgage, XXXX Mortgage forgave the debt and discharged it at the registry of deeds, XXXX XXXX Mortgage sold the debt and has been selling it and moving it around to all different banks, a lien was placed at the registry of deeds by US Bank NA, In the mist of all this my identity could possibly be at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with OCWEN mortgage company whom I believe changed their names a number of times : Option One ... and other names. However, About 5 years ago I modified my mortgage with them and they claimed I would get a lower interest rate that would start at 2percent and gradually increase to 5 percent. They said nothing about a balloon payment of XXXX, ooo due at balance of loan. This was deception, greed and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The car was total lost in a car accident in XX/XX/2016. The insurance should have covered all loses. The company is still reporting that the account is open and payments are late/missing for the past XXXX years.

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 2022-05-21
Company: Bread Financial Holdings, Inc.
State: PA
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, had 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 2015-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I recently notified my banking institution, Merrill Lynch, that my husband and I were traveling outside of the country and wanted to use our debit cards while traveling. The bank was courteous and notated the accounts of our impending travel. I was able to use my debit card while in XXXX and had a wonderful life-altering experience. Upon our return to the States, our accounts were frozen without any notice. We contacted the bank and were told a multitude of possible reasons by several representatives to include the following:1. I attempted to login to my account while XXXX2. My husband carried a negative {$17.00} balance on XXXX of his personal accounts that was not tied to my personal account3. Our accounts were XXXX XXXX Accounts and we were n't conducting any share purchases. 
Of note, we XXXX held our accounts with Merrill Lynch for over two years without issue. Ultimately, my issue is not the bank 's ability to terminate our banking relationship. My issue is that the bank has put a hold on my assets without any legal justification. I have been told by several Merrill Lynch Representatives that I can not access my funds until the Operations Team Lead, XXXX XXXX XXXX, lifts the hold on my account. In the interim, I have no access to my money. The hard-earned money that I got up and went to work for has been seized for more than forty-eight hours because a too big to fail financial institution arbitrarily decided to terminate our banking relationship. This situation has left me void of funds to file my taxes timely, pickup prescriptions XXXX and the like ; yet no one seems to feel this situation warrants immediate action. Additionally, any transactions that were due to hit my account will be returned. Again, no one sees an issue with this banking institution 's ability to bounce transactions in my name. Last I heard, XXXX XXXX XXXX 's name is not currently being dragged through the mud with a insufficient funds sign attached to it. I am utterly appalled and quite frankly disappointed that in this country, consumers can be treated in such a vile way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Victim of Identity theft, several accounts appear on my personal consumer credit report as a result of identity theft / fraud. Please XXXX, dispute, and remove. Attached is fraud affidavit from FTC.

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 2020-08-15
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We would like to know why we have paid over {$1000.00}. in payments in the last 6 mos. yet my balance has only gone down {$140.00}. My husband has been out of work since XXXX due to the pandemic, yet we have still always paid more than the minimum payment and always on time. Last month we were only able to pay {$130.00}, still more than the minimum due, but my balance went up {$22.00}. When we made a {$200.00} payment, the balance only went down {$50.00}. It doesn't seem right that the interest and fee every month comes to more than the minimum payment, even though we have never made just the minimum payment. We have other Synchrony accounts, including Conn 's, and Chevron. We have had no problem with these. The course of the Care Credit account seems outrageous but we would like to think it is some sort of error that will be corrected. We have tried to contact them on their website but nothing would go through. I have tried calling, but we get put on hold and disconnected.

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 2020-08-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, Experian, amd XXXX refuse to remove several accounts and inquires off my credit report Ive filed identity thief claims and shown proof they refuse to update my credit report neither have they sent me requested information stating how was the account verified they are mixing my information up with a person who have the same name as mine listed addresses and accounts Ive never been associated with this has been going on for the last 2 yrs

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 2022-05-21
Company: Maximus Education, LLC dba Aidvantage
State: IL
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:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " XXXX XXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Company : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Orion Portfolio Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XX/XX/2022 amount owed was paid. However, the company reported that i was still delinquent on the account. This is a false report and its affecting my credit score and my means of living.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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: Information belongs to someone else

Complaint:
Victim of Identity theft, several accounts appear on my personal consumer credit report as a result of identity theft / fraud. Please XXXX, dispute, and remove. Attached is fraud affidavit from FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America refused to deposit a properly endorsed check into my checking account. 
My insurance company, XXXX XXXX, issued a check for a personal property loss due to a fire. The check is made payable to XXXX XXXX XXXX, my public adjustor ; my husband and myself. We have all properly endorsed the check. On XXXX/XXXX/XXXX, my husband attempted to deposit the check into a personal checking account in both our names. The Bank of America branch is at XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX ; phone : XXXX. XXXX XXXX, who identified herself as a Manager, refused to deposit the check. The check is a properly endorsed negotiable instrument. The check is drawn on a Bank of America account and being deposited into a Bank of America account. If Bank of America will not accept this check for deposit, how can I negotiate the check? 
NOTE : I have no problem with the bank accepting the check for deposit and placing a hold on the funds. Bank of America accepted deposits on three other occasions with the same payor, same payee, same endorsement. Deposits were made XXXX/XXXX/XXXX for {$92000.00} ; XXXX/XXXX/XXXX for {$19000.00} ; XXXX/XXXX/XXXX for {$2500.00}. 
I would appreciate any help you can give me in this matter. Thank you.

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 2020-08-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I HAVE APPLIED FOR A VA IRRRL REFINANCE. I CALLED PENNYMAC MY CURRENT LENDER FOR THE LAST 3 WKS TO PROVIDE A COPY OF MY NOTE ; WHICH WAS NOT INCLUDED IN MY TITLE PAPERS. HOWEVER, EVERYTIME I CALL I GET A DIFFERENT RESPONSE AS TO WHY I CAN NOT OBTAIN THIS DOCUMENT. 
THE LENDER I APPLIED NEEDS TO NOTE TO COMPLETE THE LOAN PROCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Im sending out this complaint because its been 3 months since I havent received my unemployment card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Klarna AB
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
1. Previously, I filed complaints XXXX, XXXX, and XXXX. 

2. Since then, the call back that I was promised several times that I was supposed to receive from a supervisor has not arrived - yet another lie by Klarna. 

3. Also, it has now been nine hours since the Klarna chat wrote that a specialist one be available in " one moment, please. '' Another lie. 

4. I spoke with Klarna agent, who put a hold on the combined Financing Payment for the two XXXX XXXX loans for which Klarna continues to demand payment despite the fact that I have already made the minimum payment. 

5. However, despite the payment hold, the Klarna App is still demanding that I " resolve '' the returned payment, and thus make a payment for {$75.00}. Also, it is stating that I can make no more purchases until the payment is " resolved ''. 

6. Basically, Klarna is attempting to threateningly strong-arm me into making a payment that is not due. Even though there was a returned payment, there was a second payment that went through : one successful payment is sufficient ; the return of the second payment does not cause the necessity to make a second payment. 

7. I am currently on the phone with Klarna agent XXXX ; and supervisors are continuing to refuse to speak with me. She says they will contact me " shortly '', but that's what previous agents have said and I've now been waiting nearly 24 hours total. Other agents said by 6 p.m. and that was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello. On XX/XX/2022 during a break at work I called my Bank ( Chime Bancorp Bank ) to dispute a {$30.00} charge. The representative filed the dispute and told me that if I had any documentation of proof that I could send it in but it wasnt mandatory. So I told him after I get off from work I would be able to send in all proof needed. XXXX minutes before I got off from work I received an email stating my Savings, Checking, and Credit Builder accounts had all been closed which was at XXXX XXXX. I was shocked because in total I had close to {$10000.00} in my account. I couldnt even reach out to the company by phone because it kept prompting that my account was closed so I had to reach out by email. I was devastated because I needed access to my funds IMMEDIATELY and had no clue why my account was even closed in the first place. I never done anything wrong, never was overdrawn, never showed suspicion activity. So, I called them from my mothers phone in tears because I have very bad anxiety, I spoke with multiple supervisors and one supervisor actually tried to open the account back because he said that I should have had some type of warning or at least 5 days notice before a closure happened. I had to go to the hospital for this matter because I really needed my funds and I have no answer as to why my account was actually closed. I need my funds for medical reasons and right now I dont have access to any money which is not fair at all to me! I chose their Savings account just for medical reasons. They have not given me any information regarding why my account was closed. I also looked online afterwards and have noticed others have experienced this issue as well and didnt receive their funds back. I have been trusting this company for over 2 years and would have never expected something like this to happen to me. Please someone help me solve this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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: Information belongs to someone else

Complaint:
Victim of Identity theft, several accounts appear on my personal consumer credit report as a result of identity theft / fraud. Please asses, dispute, and remove. Attached is fraud affidavit from FTC. 

XXXX XXXX appears multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Enrolled in a XXXX XXXX school ( XXXX XXXX, XXXX, Indiana XXXX ) was lied to about job placement, lied to about how my education would be covered mostly by grants, and they kept pushing this on me. They pushed me into a XXXX XXXX ( Now Navient ) Loan, said I met the criteria with a cosigner, and it was the best loan one could get. When in all truth it was the WORST. Variable rate that is up to % 13 percent, and climbing. I owe more on the debt now than when I first took it out. 

Come to find out there were XXXX loans with FIXED interest rate at 6.8 %, and there was no income requirement. 

This shows that XXXX and XXXX/Navient were in together on enrolling students that could get a creditworthy co-signer to get this Variable interest rate loan. This loan was pushed and pushed on me, and I was n't given many other options, it was then or never. XXXX has been proven to do shady business dealings, and has been fined for it. XXXX defrauded a bunch of students, and is now out of business. These XXXX conspired with each other to get the max they could out of each enrolling student, while constantly pressuring them, and lying. XXXX these companies shady practices have been exposed, so something should be done. They pushed me towards that XXXX XXXX Variable Interest rate because they new I had worthy credit and a cosigner, and income. 

They never mentioned the XXXX loan ONCE! Ask yourself why would I take out a Variabe Interest rate loan, when I could take out a fixed interest rate loan??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Maximus Education, LLC dba Aidvantage
State: MO
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:
In accordance with the fair credit Reporting act XXXX XXXX, XXXX XXXX, XXXX have 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 ar open end consumer credit plan as late for gi. *k purpose.

270

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

Company : XXXX XXXX XXXX Account # : 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 2020-08-15
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal 's dispute process is completely dysfunctional. I filed a timely dispute and PayPal told me to " escalate it '' within 10 days. But, their app would not let me escalate it. I tried customer service, but they set up their automated system to hang up on people and it's impossible to get to a live person. Their website encouraged me to chat, but I dealt with a different person on every single response. One person said they would issue a credit and then another person told me they wouldn't. And, I can't even keep a record of that because their app prevents screenshots due to a " security policy ''. I even tried XXXX messaging and they did not respond to that either. Looking at the other XXXX comments, it would appear that hundreds of people are having similar issues with PayPal. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
i have navient ... they refuse to work with me and i owe over XXXX currently i am paying XXXX month. my XXXX XXXX XXXX father is paying XXXX month for me, because i am a XXXX and single mom. please help me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 


Company : CAPITAL ONE Account # : XXXX

Company response to consumer: Closed with explanation