BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-02
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a 2nd mortgage lien ( HELOC ) recorded in my town registrar 's office for $ XXXX. The recording is dated XX/XX/XXXX. XXXX Bank is listed as the creditor. XXXX was absorbed by XXXX who sold it to a debt collector XXXX XXXX XXXX and is now out of business. I am current on my first mortgage with XXXX XXXX XXXX. The property is underwater on the first lien with XXXX and so extremely underwater on the second lien. At free of charge and only commissioned based ; I contracted with a California firm who locates 2nd mortgage servicers and negotiates down the principal balance in exchange for the negotiated settlement. Again, for free of charge they have reached out to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. They worked with the CEO and head of XXXX XXXX XXXX and my servicer has not been found. The last correspondence I have is from XXXX XXXX XXXX, dated XX/XX/XXXX. XXXX was collecting for XXXX XXXX, XXXX. 
The correspondence from XXXX was a request for {$16000.00} or 17.5 % of the $ XXXX balance. I disregarded that offer because at the time I could n't afford a lump sum of $ XXXX. I am simply trying to locate the current lien holder so I do n't have the need or expense to pursue a XXXX XXXX XXXX. I 'm not sure who the lawsuit would be filed against because there have been numerous companies in the chain of title but only XXXX has recorded a instrument. If I was paying an entity then I would n't be confident I was paying the correct company since many could claim ownership without filing the property recordings. I want proof of ownership of the debt with a " blue ink '' signature and not a " copy '' of a Deed or Note of which there are obviously numerous. 
Can the CFPB help me locate the truthful owner of the debt? The trustee listed on the Deed Of Trust is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, CT XXXX. I 've attached XXXX statements, XXXX collections statements and the title search showing the recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We closed on this losn they had money sitting in an escrow of our along with all the Finance charges and late fees when we were never late and have not reimbursed us for any of that. We paid the loan off in good standings and they should do what's right on there part and reimburse us.

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 2019-04-13
Company: EQUIFAX, INC.
State: UT
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:
All 3 bureaus are reporting inaccurate information ... The medical bills on my credit have all been retracted by the hospital.. the collection companies claim they have removed and that it is the bureaus reporting these still as they are only on 1 or 2 of the bureaus. I keep disputing these and the bureaus are not removing them, yet they won't prove to me how they verified them. XXXX  is not valid verification and I was told they are deleted! 
I am so frustrated as I have taken care of all these through the hospitals and they are paid or written off in charity!! 
I need this to be taken care of : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX Equifax - XXXX XXXX XXXX,, Not reported XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX 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 2020-11-08
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2020, the Director of my employer asked to see me. When I went to her office, she handed me two pages that informed me that my wages will be garnished on XX/XX/2020. The Continuing of Garnishment was from Strenger & Strenger regarding a judgment against me for a XX/XX/XXXX XXXX credit card debt in the amount of $XX/XX/XXXX.The address on the summons for me is an old address where I was residing in a private safe home. The day I initially met with the Director, I informed that this amount would cause me great hardship if taken out of one paycheck. I later sent the Director an email regarding Georgia 's law pertaining to income garnishment limits. I was then mailed the entire summons and learned this information was included in the summons. On XX/XX/2020 my Director asked to see me again and stated she drew up a draft of the payments that would be deducted out of each pay period until the debt was paid. I informed her that I am unsure of the validity of the debt and would like to complete a claim form to the XXXX court to obtain a court date. Unfortunately, she informed she would have the deduct a payment of {$320.00} beginning XX/XX/2020 which offers me no time before I can dispute. I have repeatedly attempted to call the number on the claim form for Strenger and Strenger however no one answers the phone even after you hold on forever. I don't understand their tactics. I have received numerous harassing phone calls from the collection agency and because I will not disclose my social security number to me they will not discuss what it is pertaining to. Regardless of the number of times for months and months and several times daily ; I have asked them to stop calling me and to have me removed from their call log. They continue to call. 
How is it they are able to receive a judgment without being served? How can my wages be garnished when I have no proof of the amount or even if this debt is valid? 
Last year another lady living in the building called me and informed me that a man showed up to the door stating he had a Christmas delivery for me ; she told him that I was not there but she would give it to me. When she saw that it was paper, she stated she immediately closed the door and never took any papers. She stated the man had spooked her when he began asking her a lot of questions. I was nervous about this because I believed at the time it was something from my ex trying to locate me. Nonetheless, I was never served. I have tried to contact this law firm with the last time being on XX/XX/2020. Now my wages will be garnished without any time to investigate this debt. Now that I am attempting to contact the number on the summons ; they do not answer. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: HOPE BANCORP, INC.
State: WA
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:
This is the second complaint I have filed against Bank of Hope since my mortgage was transferred to them effective XXXX ( see dispute number XXXX ). Now they are reporting my mortgage twice to XX/XX/XXXX!!!! They are reporting my loan under Bank of Hope with an outstanding principal balance of {$130000.00} and also reporting it under their loan servicing company XXXX XX/XX/XXXX XXXX ( listed as XXXX XX/XX/XXXXon the report ) with an outstanding principal balance of $ XXXX makes it look like I have 2 mortgages with a total outstanding balance of {$260000.00} when in fact I have 1 mortgage with Bank of Hope with an outstanding principal balance of {$130000.00}. It took me several weeks of calling Bank of Hope and filing a complaint with XX/XX/XXXX and CFPB to get my last issue corrected - this is totally unacceptable!!!! This bank needs someone overseeing their business. This has caused me so much undue stress which I do not need right now as my husband has very serious health issues I am also dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payment was made by ACH onXX/XX/XXXX. Payment was reflected as received by issuer on XX/XX/XXXX. Increased credit due to payment was not made available for 10 business days. They say they are allowed by the FED to sit on ACH payments for 10 business days.

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 2017-12-27
Company: Equitable Acceptance Corp
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I refinanced my student loan back in 2017 with XXXX. When I did this I setup monthly payments for $XXXX/mo with them. I just spoke to XXXX & asked about those monthly payments, they said they haven’t received any of those at all. And advised me to make a complaint. So in actuality XXXX XXXX has been taking money from my account every month, and none of that money is going to my student loans at all!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please update all of my personal information on XXXX  and Experian to XXXX XXXX XXXX XXXX XXXX, Oh 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 2022-03-10
Company: Experian Information Solutions Inc.
State: TN
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:
I have disputed this one item for going on 2 years now. Back in XX/XX/XXXX - The result was that the item will be DELETED in XX/XX/XXXX. Come XXXX of XXXX it does not get deleted. So, I dispute it and Experian STORY CHANGES AGAIN. Most recently I disputed this item and SENT THEM THE copy of THEIR OWN CREDIT REPORT form XXXX. They completely ignored this item and did not delete it. This item is over 7 years old, almost 8 years, and it surpasses the time frame for it to be on the bureau and also Experian stated back in XXXX it will be Deleted in XXXX of XXXX. 
-- - Please deleted -- XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX, 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 non-monetary relief
Consumer complaint received 2017-11-02
Company: Colony Brands, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was opened online with a family member using my personal information. I had no knowledge of this account. The site only ask for information easily attained and does not make an effort to insure the identity of its customers.The amount was XXXX XXXX no payments were ever made which shows that this account was opened with the intent to be fraudulent. I have several instalment loans that i pay on time and am never late. I have told this company several times that this is not my account and have requested it to be removed. It shows on my credit file as a deliquent account that was closed owing money. This is negatively affecting my previously good score. I am not willing to wait 7 years for it to roll off when it was fraud. The company has refused to remove which is extremely upsetting.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-10
Company: Regional Management Corporation
State: FL
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:
Affidavit completed and sent to company showing this account was not opened by me. No documentation from regional finance has shown that I took out the loan. Police report filed. Disputed with all 3 credit bureaus. Still not removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Chase returned a check for {$750.00} that is automatically withdrawn from our check account every 14 days. We called Chase numerous times to find out why the check had been returned and Chase that they had no record of this and then sent a letter stated that we were late on our payments. Then also reported it to collections after telling us that we didnt owe anything. This again happened on XX/XX/XXXX and XX/XX/XXXX. This has been an on going issue since XX/XX/XXXX and we have not been able to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XXXX/XXXX/XXXX, cashcentral withdrew {$610.00} from my checking account. I revoked all ACH transactions on XXXX/XXXX/XXXX. I called the company and they agreed to return my money because I had revoked ACH and they went against it. I called them on XXXX/XXXX/XXXX. I have been calling everyday since then to figure out when my payment will be refunded. They had me send them a bank statement showing it cleared, which I did on XXXX/XXXX/XXXX. I can not pay my rent due to this mess up. I am going to get charged late fees and essentially kicked out of my home because of this. I just want my refund.

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 2017-11-02
Company: Green Trust Cash, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received funds in my credit union account for a loan I did not apply for. I did not notice the funds until a payment came out of my account. I offered to pay the loan back in full for the principal, however I need to pay interest at a crazy rate to pay the loan back. 

I do not believe anything was signed for and if it was electronically, it was not with my knowledge. 

I would like to return the funds and have all of my information removed from the system. 

I already have placed holds on my bank as well as my credit report and working on locating who applied for a loan in my name, however I believe my information was sold from another website, which is also being looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I sent three letters to Experian, XXXX, and XXXX ( one in XX/XX/XXXX and over 30 days later in XX/XX/XXXX ) asking that they  investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded Experian, XXXX , and XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... Experian, XXXX, and XXXX acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..

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 2020-10-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-03-10
Company: CITIBANK, N.A.
State: TX
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 have concerns about two accounts I noticed on my credit report. 

Account under name THD/CBNA opened XX/XX/XXXX and currently closed as a charged off. I have reached out to the company directly and I was not given any information on how account was opened. It has currently reached over 30 Days into the investigation and I have not received any results from the investigation. Amount reported on account is XXXX. 

Account under name XXXX XXXX  XXXX opened XX/XX/XXXX and currently closed as a charge off. It has been over 30 days of being investigated and I have called them directly and I haven't been given any information. I was told they no longer have the account. Amount reported on account is 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 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
no responds from company or additional information on how to resolved issue half answer from XXXX bank still was notified of any changes or updates

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