BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It was brought to my attention on XXXX2016 when my insurance company called me at work that they have not receive the XXXX renewal payment. They also advise me they had sent the lender a 30day notice of the renewal payment. The insurance company put me on hold but then had to call me back. And when they called me back they advised me the lender advised them they are sending a over night check to them for Friday, ( which is the cut date,XX/XX/XXXX2016, for my insurance renewal ). I advise the insurance I would call the lender in the morning to confirm the funds would be going out. 

My lender did not send my insurance company my payment for my renewal of my homeowner insurance on time due to that they updated their system and lost the data information for the insurance company for my home. I was advised this per a service manager that I spoke on XXXX/XXXX/2016. I was also advised " Sorry, but there was nothing they can do, maybe you can pay a monthly payment so you wo n't lose your insurance ''. I pay extra to have my XXXX and taxes include in my payment in my mortgage payment and the lender is going to ask me to put out more money for their error. The lender had lied to the insurance company. I was advise by the service manager that it would take XXXX 7 days before any funds could be directed out, and by that time my policy will have been canceled. I asked my lender again ; " How can you help me as your borrower, your customer since this is your error, your mistake ''? They told me ; " We are sorry, there is nothing we can do, but you have 90 days to get your insurance information to us ''. I need help please, someone needs to do something!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me emotional trauma that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is in response to CFPB Compaint # XXXX I received notification that this complaint was closed based on TD Bank 's response. Why was it closed before I was contacted about their response?! TD did n't address the reason for the complaint. The point of contention I have is with the initial conversation I had with XXXX XXXX ( NMLS : XXXX ), a 'mortgage specialist ' with TD Bank . I knew I did n't qualify for a mortgage on my own as I had been a XXXX XXXX XXXX and was n't working full time in the most recent tax years so I my father-in-law was going to be my co-guarantor on the loan. XXXX steered me away from that and pre-qualified me for the mortgage after she got my current ( 2016 ) estimated income. As a result, my mortgage got declined after I had already spent nearly {$1000.00} on home appraisal fees, credit reports, and other fees and was left to deal with the financial mess while my wife and I were on our honeymoon. I 've contacted TD Bank numerous times and they have said they have reviewed the tape of the initial conversation I had with XXXX in XXXX of 2016. The person I spoke with said there was nothing on the tape that backed up what I said but when I pressed them about specifics they admitted they had n't listened to the tape. I want a copy of that tape. Since I contacted them in XXXX, I 've spent way too much time listening to them ramble on about how I was n't eligible for a mortgage based on my income but I knew that before I even applied and that was never the issue. Back in XXXX TD Bank also promised to send me a check for the nearly {$250.00} I spent on International calls trying to sort this mess out during our honeymoon. I have yet to receive anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an collection that is reporting on my credit file that does not belong to me. Please assist me in getting this item removed from my credit file. The account number to this collection is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently ordered copies of my credit everything looked good until I saw all thrse hard inquiries that was not mine I instantly called and had these disputed XXXX and they put a fraud alert on my credit report I then contacted XXXX and went through the online process of disputing these inquiriesin they just sent me an email saying to contact the creditors who furnish them with the information which I did before in they told me I need to take that up with the credit bureaus I also tried calling transunion to dispute the inquiries in everytime im met with rude people that give me fake names transfers me all over the place even people hanging up so right now I dont know what to really think or do I was advised by XXXX to contact consumer financial since I was having such a hard time getting someone to help its always that stigma guilty until proven innocent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted on XXXX by Ally Financia and at that time I had spoken to a rep claiming that he is trying to secure payment for an auto loan and I immediately responded to him saying you have the wrong person and you all have been calling the wrong number for over a week. The rep apologized and assured me that my cell number would be removed from their dialer system in XXXX. On. XXXX I received yet another call from their company and by this time it is early morning. Prior to me phoning them I had 4 missed calls from them. I spoke with XXXX and asked for his supervisor and he then acknowledged that the only person he could transfer me to is in executive customer relations where I spoke to XXXX. I explained the issue to XXXX and I repeated to him that I demand to have to stop calling my number that this is a cease and desist. His comment is that they will remove my number as soon as I pay the bill. In my efforts I have gone as far to google their corporate off number, which are out of service or no answer. I 'm at my wits end and sick and tired of the constant harassment.

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 2016-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I am a veteran, I have recently moved to the state of XXXX. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.

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 2015-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit report i have many accounts that were closed, but these accounts are very old from the early XXXX 's and its been far pas XXXX years where they should have been deleted. I would like to have them deleted cause they are having a negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
i have a filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i havent received investigation results

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 2021-09-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted today by Citizens Bank. I have never done business with them, they have no business calling me to ask about a relatives contact information. I was called by XXXX at XXXX. Please advise me of the next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Other fee

Complaint:
I applied for the XXXX XXXX Visa from US Bank on XXXX XXXX, 2015. Prior to receiving my card in the mail I received an email from stating that the major benefit of the card ( a bonus award night ) would be going away. When I called US bank to see if they would waive the annual fee they said it was out of their control because XXXX XXXX was the one who made the change. I feel like this is a bait-and-switch tactic due to the fact that US Bank is still advertising the bonus award night as a benefit EXCLUSIVE to card members.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Pay Day Loan with XXXX Net Pay Day Advance on XXXX/XXXX/2013 which I had been paying regularly with the help of XXXX XXXX XXXX XXXX An accounting error occurred in the disbursement of funds which was immediately corrected and the automatic re-payment continued from there on until the account was paid in full. Payment was missed only for 60 days but was subsequently paid in full. In spite of the account already had been paid satisfactorily, they continue to keep the derogatory remarks in my credit report. The collection agency had agreed with XXXX XXXX XXXX XXXX that such entry will be deleted upon payment in full. It has been more than 3 years now since the account had be paid and they are still carrying the derogatory remarks in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX keeps trying to collect on a debt for XXXX XXXX and has reported it on my Transunion credit report repeatedly. I am XXXX and I have insurance had full coverage insurance at the time. XXXX to be infact, and according to XXXX they only have record of me using their facilities in XX/XX/XXXX, XXXX XXXX 's records reflect the same information- stating that I have no debt to them and none for that company to collect. In XX/XX/XXXX I disputed the collection company and had them removed from all of my credit reports. In XXXX XXXX XXXX reopened the same collection on all XXXX of my credit reports under a XX/XX/XXXX date. I disputed them again and all but TransUnion has removed them from my report. I am XXXX and have been covered by XXXX since XX/XX/XXXX. I honestly think they re-opened the original thinking that I would not notice. But it is greatly effecting my ability to finance my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My current TransUnion report shows XXXX separate XXXX accounts. XXXX switched all customer credit cards on or about XX/XX/2016 from XXXX to a XXXX account. Yet, BOTH still appear on my report as separate accounts, with both showing a credit limit of {$18000.00}. This is in error. I only have XXXX account with XXXX, and it is now a XXXX account ( beginning with the numbers XXXX ). Please show the previous XXXX account as PAID ... or remove it entirely from my report. It is a duplicate account that does n't exist now, and the debt showing of {$11000.00} is not valid. My current balance is around {$10000.00} and is associated with my new XXXX account with 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 2016-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Company refuses to provide me with score and report.

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 2015-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union keeps, maintains and reports fictitious information. I have contacted them 19 times. Have sent them all of the information they asked for 18 times and only keep getting more requests for the same personal info such as Birth certificate, utility bill, etc. 
I want this fictitious information removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account for some time now with FRANKLIN COLLECTIONS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Orion Capital Solutions LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have wrote them 5 times tell them to stop and quit. They said they removed me. They have not. Received another call today to a family members phone trying to get in touch. they left a vm. They called a CHILDS phone. 

Stop notices/no contact sent : XXXX XXXX XX/XX/21 XXXX 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 2022-05-05
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC SECTION 604 SECTION2 IT STATES I HAVE RIGHTS THE RIGHT TO PRIVACY IT ALSO STATES THAT AS A CUSTOMER REPORTING AGENCY VIALATED MY RIGHTS AND CANNNOT FILE AND PLEASE DELETES OFF MY CREDIT IN A TIMELY MANNER 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 2016-07-26
Company: RSH & Associates, LLC
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I was contacted by phone on XXXX XXXX, 2015 by RSH & Associates , LLC. I was told they had been contracted by XXXX XXXX XXXX to collect a debt. I advised them I was still working with the hospital attempting to get financial assistance and I was told they would " mark my file. '' I was continually called and began receiving mail. On XXXX XXXX, 2015, I sent a letter requesting debt validation and requested that all future communication be in writing. I continued to receive calls. After several months, I was unable to get financial assistance from the hospital, I once again requested debt validation and a settlement request from the collection agency in writing. I received neither but I did receive more phone calls. Finally on XXXX XXXX, 2015, I sent my final letter, stating that I had never received any debt verification from their company and continued to receive at minimum a weekly phone call from their office when I requested all communication be in writing. I again requested debt validation XXXX final time and even gave them an email address to send the information to. I never heard from them again until today. I pulled my credit report to find they have put a collection on it. I have been paying XXXX XXXX XXXX directly for over a year and I have copies of cancelled checks to prove that. Not once has a check been returned or made out to anyone other than XXXX XXXX XXXX. I have no idea why this collection agency is reporting to my credit when they have never verified the debt and never followed the FDCPA when I requested all communication be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an maintained an account with PayPal for 3 years. Today, I received a direct deposit from the IRS in the amount of {$9200.00}. Two minutes after the funds were available, PayPal placed a limitation on my account citing the unusually large deposit. I called their customer service team and asked them to correct their error. The representative informed me that he corrected the issue and within 3 business the limitations would be lifted and my funds would be available. Two hours later, I received an email stating my account was permanently locked and my funds were going to be held for at least 180 days and I had no recourse to reverse their final judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account for some time now with XXXX XXXX. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
A leading financial Bank has charged me the loan application fee twice for a new home loan. Even though I have pointed this out to them and provided them all the details about the double charge, they continue to deny and are not providing any direct explanation and neither refunding the application fee. They have charged me {$390.00} once against my XXXX card and then a second time as a loan charge on my escrow statement ( without any corresponding credit )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have had this XXXX back in 2008 first the account has been closed over nine years ago and they still report it as an open account I am attaching my report, second since this is over 8 years closed this should be taken of my report compeletly

Company response to consumer: Closed with explanation