BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-01
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to a loss of income last year ( $ XXXX/mo. ) I applied for a loan modification through our lender, Ocwen Loan Servicing XX/XX/XXXX. We were approved for a modification and made our first trial plan payment XX/XX/XXXX. We successfully made our 3 trial plan payments and continued to make payments to the mortgage company after the trial ended. We started calling them XX/XX/XXXX as we had not received our completed modification papers to make the modification permanent. We spoke to our relationship manager three to four times a month requesting our paperwork. We were always told that the paperwork was with the underwriter and we should have it " soon ''. We finally received our paperwork XX/XX/XXXX. We had the papers notarized on XX/XX/XXXX at the bank where I included a cashier 's check for the monthly payment as Ocwen had requested and mailed the papers that day. When I called in XX/XX/XXXX to make my house payment I was told that my loan modification was denied because they did n't receive the paperwork within the allotted time frame of 30 days. When the customer service representative looked into it further we were told that they had in fact received our paperwork on XX/XX/XXXX and that the modification was denied on XXXX XXXX. When we asked why they told us it was because the lender had that right. We called numerous time after that and we were told that it was being sent to a supervisor and that they would fix it. I tried to make a house payment in XX/XX/XXXX and they once again would not accept my payment due to the denial. On XX/XX/XXXX I received notification that my loan had been referred to a law firm for foreclosure. We never received anything from Ocwen stating that we were in foreclosure. When I spoke to yet a different customer service representative I was told to just fill out another request for modification. I did that and submitted a complete application XX/XX/XXXX which was later denied because we had submitted a XXXX application within a years ' time. In XX/XX/XXXX I was told by another representative to send an email to the escalations department asking them to look at the original denial. On XX/XX/XXXX we received notice that the denial was overturned and that they were approving our modification. I was able to talk to our relationship manager on XX/XX/XXXX who told me that he had to ask the research department to confirm that we had made all of our payments. About a week later we received documents in the mail showing payment history starting XX/XX/XXXX but none of the payments from XX/XX/XXXX. Ocwen is now telling us that we are in default again due to no payments being accepted by them since XX/XX/XXXX. As of this week our relationship manager is still unable to give us any information as to how we are to proceed from here. I would greatly appreciate any suggestions that you can offer at this point. We want to keep our house. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I changed accounts from which my driect debt was to be processed. XXXX processed the payment from my old account which caused an overdraft fee and a hit against me through XXXX. When I called them to rectify the problem I had to do the leg work to fix the issue. When asked to fix the problem with XXXX they did not believe me when I said that it would affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On Friday,  XXXX  of  XXXX , I received a debt collection letter from   XXXX   dated  XXXX   XXXX ,   XXXX   for a  XXXX   XXXX .     I called on Tuesday,  XXXX   XXXX ,    2017 to  inquire about the collection of {$100.00}. Since my husband and son are both  XXXX   XXXX   I  wanted to know which person it was concerning and to make sure it was not a scam and to also check with my insurance company on why the payment was not paid by them. The debt representative said they could not give me any details concerning the bill because of the law forbidding access to medical records without permission. She did say that the age on record must be my son and not my husband.     I was told that my son who is 21 years of age and in college in  XXXX , CA would have to call them to give them authority to speak with me, his mother, living in Texas.     I immediately texted my son to contact them that day but having a busy class schedule and just a week from exam finals he was unable to call them on  XXXX ,  XXXX ,    2017.      I called   XXXX   at  XXXX  on  XXXX   XXXX ,    2017 b ut they did not have on file a call from my son giving authority so I still could not find out any details concerning the debt.     I reached out to my son again on  XXXX   XXXX ,    2017 and  reminded him to call them and give me the authority to investigate the debt.     Before my son had a chance to call he was contacted by  XXXX  on  XXXX   XXXX ,  2017 an d was asked if he was  XXXX   XXXX  which he replied yes. He was told that he had to pay the debt balance immediately. They asked if he had a credit card and demanded the credit card number immediately. He gave them the credit card info.     My son is only  XXXX  and has not had the experience of dealing with intimidating debt collectors and he was caught off guard as to their ruthless tactics.     Since my son is in school he does not have a job and he is covered on our insurance. For  XXXX  to require payment from him was wrong.     The  XXXX  letter dated  XXXX   XXXX ,   XXXX   said we had 30 days after receiving the notice which was  XXXX   XXXX ,  2017 to  notify the office. I contacted them twice within four business days of receiving the letter and they demanded payment on  the four business  day of recieving the letter.     What happened to the 30 days? They clearly did not give me adequate time to investigate the debt, check with my insurance or perhaps dispute the debt.     We were given no options in those four days! This is not right!       XXXX    XXXX .  XXXX   XXXX   XXXX   XXXX  Fl  XXXX  Payments : P.O.  XXXX   XXXX   XXXX  Oh  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 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX decided to close my account and when I had regularly posted payments on time for years. I feel I have been discriminated against and that its against the law of 15USC ss1666.

I told them I lost my job in 2020 and got set on a payment plan well when Ive started working again they just closed the account and they refuse to reopen it. This is negatively impacting my credit score.

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 2021-10-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased furniture on XX/XX/2020, paid down the debt to {$500.00}. I was charged XXXX in interest for not paying the account In full by x amount of 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 2017-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My issue is with Bank of America. I have been a consumer with them for a very long time. i have an excellent payment history and no delinquencies on my account. However, I had an recent indecent where they were suppose to dispute  XXXX  charges for me.   The bank first informed me that both charges were disputed, and then couple of weeks after I notice the charges are back on my statement, and the statement charges were more then what my credit line was.   I called the bank i was really upset that they would do this to me even though i was working with the other merchant to take care of that balance. I was very upset i did not get the help I needed nor anybody took my frustration into consideration.   I told them I want to close my account and I will not pay that balance because it was suppose to be disputed in the first place.   Now this is going to affect my credit i called the bank again. they keep giving me the runaround and transferring my calls fro m one r epresentative to another.   I needed to address this issue. I feel the bank did not really do what they were suppose to based on the terms and conditions to protect me as a consumer. 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 2015-11-17
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
Quite simple:1. Amex canceled my company 's business card based on an assumption that they concede was in error. 
2. In canceling the card, the points associated with the card were forfeited. 
3. All attempts to remedy the issue with Amex failed. 
4. I was very reluctant to pay the balance because of the points that were forfeited and insisted that the points as well as the card be reinstated. Remember Amex admits that the original issue was due to an error on their part. 
5. In effort to resolve the issue, I agreed to continue to pay on the balance. 
6. The agreement would then require Amex to reinstate the card as well as the forfeited points. 
7. Although I continued to pay down the balance, Amex did not adhere to what was agreed. 
8. Consequently, Amex, although this was a business card, moved the balance of the business card to my personal credit profile as a delinquency/collection. 
9. This has resulted in a precipitous drop in my credit score. 
Note : As I remember, the relationship between Amex and myself spanned nearly 10 years if not longer without a single issue or late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal was the start of an ongoing Identity theft! They allowed unauthorized transactions, while in the process of disputes, they allowed more! After calling every day for a MONT H (   XXXX   2015 ) an d hearing them tell me about how okay it will be and how I should n't worry, they FINALLY closed down my account after allowing {$5300.00} worth of fraudulent transactions on a frozen account. Then tried to steal that money from my account with  XXXX   XXXX . When they could only receive {$1000.00}, they locked my account solid while continuing to calm me on a daily over the phone. So here I am over   XXXX   in debt at  XXXX  forced to close my only means of an account, and PayPal tells me that I have to pay  XXXX  $ remaining balance on my PayPal!!! So I finally save enough for a lawyer to get it solved on to hear that the matter is closed because it 's been over 90 days. So I ca n't dispute PayPal 's fraudulent activity after 3 months but yet they sure can track every means of my money they can get their hands on to steal from me and keep my account LOCKED and NEGATIVE. After doing the math of the money they want + $ they stole from my bank + $ spent on a lawyer for no reason, PayPal 's multimillion dollar company lives up to its name by robbing the little people of almost {$6000.00}!!! AND THATS JUST 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 non-monetary relief
Consumer complaint received 2017-04-27
Company: Google Compare Credit Cards Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On  XXXX   XXXX     2017 I r eceived a transfer of {$100.00} that was deposited into my  Google Wallet bal ance. Since that date I have been unable to withdraw or transfer that money on th e Google Wallet App a nd Website due to the account being a " business account. '' I have talked to their support twice and they give me the runaround each time promising to escalate to a " specialist '', whatever that is, in a followup email.      Of the two conversations I received one followup stating : " Im looking into the issue you reported and checking with our product experts. I 'll update you in 24-48 hours. '' There were no further updates. It seems that Googles policy is to indefinitely hold onto my money.

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 2021-10-24
Company: Jim Bottin Enterprises, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Got a call from XXXX XXXX XXXX XXXX regarding an account I had with XXXX XXXX in XXXX, MA. This call was received on the XXXX of XXXX, XXXX. The caller would not let me talk, stated his name was XXXX and he was the manager of the operations division. Stated they sent a letter out in the mail regarding my debt as well as tried to reach out several times regarding it over phone, which my records can show has not occurred. I cancelled this membership in person, as well as sent a letter in to XXXX  XXXX  cancelling. I should not be contacted regarding this as I have already cancelled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Someone has been applying for things using my information I also contacted the creditors I would to have these inquiries removed immediately these are the names of the inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: EQUIFAX, INC.
State: WI
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:
THIS IS MY LAST SUBMISSION. THE CREDITORS HAVE STATED THEY HAVE ADVISED XXXX, XXXX and EQUIFAX TO REMOVE ALL REMARKS. I STILL SEE SOME OF THESE AGENCIES HAVING DISPUTE REMARKS! CLEAR THEM FROM MY REPORTS AS IF THEY NEVER EXISTED. HERE IS PROOF THAT XXXX XXXX CARD SERVICES ACCOUNT XXXX AND XXXX  CASE XXXX HAVE STATED THEY HAVE REQUESTED YOU TO REMOVE ALL REMARKS BESIDES THE ORIGINAL PAID IN FULL AND CLOSED ON XXXX AND XXXX DISPUTES CLEAR. XXXX HAS BEEN THE WORST TO DEAL WITH. THEY DO NOT HONOR ANY CORRECTIONS AND THEIR CUSTOMER SERVICE IS THE WORST. THEIR WEBSITE DOES NOT WORK FOR QUICK LINKS TO VIEW DISPUTES. I WILL BE CHECKING ALL OF THESE ACCOUNTS IN A MONTH. IF I STILL SEE ISSUES. I WILL BE LOOKING INTO REPORTING THEM TO THE ATTORNEY GENERAL, FTC, AND SUING THEM. 

IF YOU HAVE FIXED THE ERRORS AND IT TAKES TIME FOR YOUR UPDATES TO SHOW UP. I SINCERELY APOLOGIZE AND THANK YOU FOR RESPECTING MY RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
Bankruptcy Case No : XXXX CALIFORNIA. Real Time Resolutions ( RTR ) filed fraudulent mortgage loan documents with no dates, under penalty of perjury in their untruthful claim # 1 then tried to cover it up with all kinds of moot court cases. That has nothing to do with the fraud they are trying to commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/2015 , {$400.00}, The following agency is not bonded in Tx and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.

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 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I need your assistance in getting the following items removed from my credit file. These items are reporting as a result of identity theft. I have sent dispute letters on XX/XX/XXXX and again on XX/XX/XXXX to all 3 credit agencies with no results. The following items are reporting as a result of fraud : XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$330.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$5700.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$3800.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$320.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1500.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1200.00} ( TU & XXXX ) XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$220.00} ( TU XXXX XXXX ) XXXX - Opened XX/XX/XXXX Bal : {$640.00} ( XXXX, TU, XXXX ) XXXX XXXX - Date Opened Bal : ( {$0.00} ) The following items are reporting inaccurate late payment for the following items : XXXX XXXX  - 30 days late in XX/XX/XXXX ( TU & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( TU & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( TU & XXXX ) XXXX XXXX - 30 days late XX/XX/XXXX - XX/XX/XXXX & XXXX - XX/XX/XXXX XXXX - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) The following inquiries was not authorized by me : XXXX XXXX  XXXX XXXX XXXX  - 9 Times XXXX  - 2 Times XXXX XXXX XXXX XXXX - 13 Times 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 2021-10-24
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV Funding refuses to validate the debt. Several attempts were made to validate this debt and they refuse to provide or investigate anything. I was never given initial notice of this debt before it was listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My complaint is in regards to a recent claim dated XX/XX/2017 regarding account # XXXX which Resurgent Capital Services aka LVNV Funding, LLC claims to have verified, and that I owe them in the amount of {$110.00}. I have requested validation of this debt from them which I do not owe because I have never signed any contract with this company. They continue to report this on my credit file which I have recently disputed with all three credit bureaus. Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX

Company response to consumer: Closed with explanation