BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-27
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Certified debt validation letter mailed to AR Resources Inc. on XX/XX/2020 for a debt in the amount of {$90.00}. I have not received a response to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a reverse mortgage for my Mom to stay in her condo and was approved XXXX/XXXX/XXXX. She XXXX XXXX XXXX and although we hoped her to have XXXX and get her back she was never able. During this time they guided me to what they needed and what I needed to do. 

Mom XXXX XXXX XXXX, XXXX. I had a XXXX XXXX XXXX XXXX. I called them in XXXX and found out what was needed. XXXX XXXX, Trust, Letter of Intent, Appraisal & monthly checking in.

I contacted them via fax and/or phone conversation with three different staff on XXXX XXXX, XXXX XXXX and XXXX XXXX. I have all the handwritten notes supporting this. I was told a new timeline would begin not based on Mom not returning but on her XXXX which got me to XXXX XXXX. 

XXXX XXXX, XXXX I called for my monthly check in and was told the loan was due XXXX XXXX, XXXX based on Mom not returning. 

I asked for a supervisor and went over all the times and the staff who shared information on the new extension date. Her response was that the staff were either no longer with the company or were in training at the time. She would not work with me at all on their mistake. Mom 's condo was listed in the morning on XXXX XXXX, XXXX. 

The supervisor told me unless I paid the loan by XXXX XXXX they would no longer manage the loan and it would go to a foreclosure lawyer to accept the process to begin a foreclosure. The condo sold and we closed XXXX XXXX and I ended up paying {$3300.00} to the lawyer and another {$880.00} for I do n't know what as it also was in the amount collected at closing on the XXXX statement under the line of Mortgage Payoff Good Through XXXX/XXXX/XXXX to Ocwen Loan Servicing.

This is not right. For the servicing company to advise me of an extension that was not honored and I am out {$3300.00} to the lawyer and another {$880.00}. 

Respectfully asking for that money to be returned to me. 

Thank you I have all the notes to include dates, names, phone numbers and conversations I had regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This organization has posted a fraudulently negative collection identifier on my credit report. On top of the fact that I do not recognize this debt, the validity of such a debt would be nullified and illegal as I am a resident of Virginia and have been since well before the purported date of this fraudulent debt. I have, to my knowledge, never had any dealings with this organization or this debt other than attempts made to remove this fraudulent identifier from my credit report. 

As a retired military veteran, I find it personally reprehensible and offensive that this activity continues to be perpetrated against fellow American citizens. I 'm confused as to how an organization can so easily falsify credit reports of individuals against whom they have no legal jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Freedom Mortgage Company
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Freedom Mortgage in XXXX many times over the past 4 years about their faulty practices. In fact I have sued them before and they settled. I contacted them in XX/XX/XXXX about my home they wrongfully and neglectantly closed on. I have sent them the letter that they sent me stating that they were not legally able to foreclose on my home until XX/XX/XXXX, because it was protected under the SCRA. When I contacted them concerning the matter They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. They did in fact send me a falsified documents and documents were different from the original deed that I possess. 
Freedom Mortgage just needs to be shut down period. They are a thorn and a causes great harm to our veterans and other Americans who have worked hard to secure the American Dream. I truly do not see how the government allow companies like this to remain open and thrive, and also give them bailouts with taxpayers dollars. I have the SCRA paperwork they previously sent me and it has been forwarded to my attorney I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.

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 2018-03-23
Company: Law Offices of Les Zieve
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ATTORNEY MISCONDUCT COMPLAINT Date : XX/XX/XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Servicer : XXXX XXXX XXXX XXXX  Trustee : XXXX XXXX XXXX XXXX XXXX  TO WHOM IT MAY CONCERN : My name is XXXX XXXX XXXX, I am the Trustor for this property.

My representative_XXXX  called XXXX XXXX XXXX XXXX XXXX XXXX talked to XXXX XXXX Trustee Sale Offcer on XX/XX/XXXXand gave him the information that the Temporary Restraining Order ( TRO ) is granted, requested him to postpone the sale, he said that he does not know that he can postpone it, he need to contact the loan servicer_XXXX XXXX XXXX XXXX XXXX ( XXXX ) to find out how they want to proceed the sale even he know that the TRO is granted.

My representative_XXXX  called XXXX XXXX XXXX XXXX XXXX again and talked to XXXX XXXX and noticed her about the TRO, she said the sale date isXX/XX/XXXX nothing changes. She said that if I need more information I need to submit it in writting.

XXXX called XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXat XXXX talked to to XXXX XXXX Trustee Sale Offcer to notice him that the borrower reinstated the loan, wire amount is {$190000.00}. He confirmed that the sale date is XX/XX/XXXX at XXXX.

XXXX  called XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXXtalked to XXXX XXXX  confirmed the sale is active, sale date is XX/XX/XXXX at XXXX.

XXXX called XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX talked to XXXX XXXX confirmed the sale is active, sale date isXX/XX/XXXX at XXXX.

XXXX called XXXX XXXX XXXX XXXX XXXX again onXX/XX/XXXX talked to XXXX XXXX XXXX XXXX  confirmed the sale is active, sale date is XXXX XXXX XXXX at XXXX. He advised XXXX call XXXX XXXX a paralegal for XXXX phone number is XXXX. He told XXXX that as of yesterday ( XX/XX/XXXX) he confirmed with XXXX  that no payment has been received.

XXXX called XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX talked to XXXX XXXX  confirmed the sale is active, sale date is XX/XX/XXXXat XXXX.

XXXX called XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXX talked to XXXX XXXX  confirmed the sale is active, sale date is XX/XX/XXXX at XXXX.

This law firm is not Maintaining The Integrity of the Profession Rule 8.4 Misconduct.

This law firm violated Rule 8.4 Misconduct.

( a ) violate or attempt to violate the Rules of Professional Conduct, knowingly assist or induce another to do so, or do so through the acts of another ; ( b ) commit a criminal act that reflects adversely on the lawyer 's honesty, trustworthiness or fitness as a lawyer in other respects ; ( c ) engage in conduct involving dishonesty, fraud, deceit or misrepresentation.

Attachments : 1__XX/XX/XXXXReinstatement from XXXX__XX/XX/XXXX 2__Wire to XXXX__XX/XX/XXXX 3__Wire to XXXX XXXX__XX/XX/XXXX 4__Sale Date__XX/XX/XXXX 5__State Bar Complaint__XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collection company has been informed of my id theft issue properly by Receiving a copy of the fraud affidavit and continued to report it to the CRAs anyway. That affidavit is backed by seperate FTC reports and on several occasion have made it clear that it is a pay my bills situation when asked to explain myself and the docs I have them Z I have sent me several threatening letters promising legal action and made calls to my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have submitted multiple disputes to Lexis Nexis and they have failed to investigate those disputes or even respond to them. They are in violation of the FCRA and the TX XXXX XXXX. 

My Lexis Nexis reports contains multiple inaccuracies to include email addresses, phone numbers, public records, and outdated information that is well beyond the 7 years in which it is allowed to report. They have continued to report this inaccurate information for over a year now violating my consumer rights. Additionally, they have provided information to insurance companies that is inaccurate. Fabricated accidents and claims have caused me to have to pay significantly more in premiums. Lastly, they are reporting this information or verifying this information with the major credit bureaus causing issues for me to get approved for credit. 

When I resubmitted the dispute, they asked for a copy of my driver 's licenses which is not required to dispute inaccurate information. It was provided to them ; yet the disputes were never processed. 

Failure to validate the information disputed within 30 days, the information disputed MUST be deleted I have confirmed that the information is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: WELLS FARGO & COMPANY
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I take advantage of XXXX yearly. When I applied for a home loan through USDA in XX/XX/XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XX/XX/XXXX six fraudulent student loan accounts were appearing on XXXX, XXXX, and two on XXXX. The six on XXXX   and XXXX were created by Wells Fargo. The two on XXXX   were created by XXXX XXXX XXXX. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XX/XX/XXXX due to a XXXX caused by an automobile accident. I had a student loan with Wells Fargo in XX/XX/XXXX-XX/XX/XXXX. This loan was paid off. The following are the six accounts by Wells Fargo on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}.

Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XX/XX/XXXX, but continue to remain on report. Numbers 1-6 are Wells Fargo accounts falsely created and Numbers 7-8 are 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 non-monetary relief
Consumer complaint received 2019-04-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I HAVE A HOME EQUITY LINE OF CREDIT WITH CITIZEN 'S BANK. ON MONDAY XX/XX/2019 AT XXXX AT CITIZEN 'S BANK BRANCH : XXXX, WITH TELLER : XXXX AND TRANSACTION # XXXX I PAID THE OUTSTANDING BALANCE OF MY LOAN {$20000.00}. THE MONEY WAS REMOVED FROM MY ACCOUNT ON XX/XX/2019. THE RECEIPT I RECEIVED FROM CITIZEN 'S BANK ON XX/XX/2019, SHOWED THAT THE LOAN HAD BEEN PAID IN FULL. 
I FOLLOWED UP WITH CITIZEN 'S BANK ON XX/XX/2019 TO CONFIRM THE LOAN HAD BEEN PAID IN FULL, I WAS INFORMED THAT THERE WAS STILL AN OUTSTANDING BALANCE OF {$20000.00} ON THE LOAN AND THE BANK WAS UNABLE TO TELL ME WHERE THE FUNDS THEY HAD REMOVED FROM MY ACCOUNT, THE PREVIOUS DAY, HAD GONE. THE BANK OPENED AN INVESTIGATION INTO WHERE THE FUNDS HAD GONE ON XX/XX/2019, INVESTIGATION # XXXX. I WAS INFORMED THE SITUATION WOULD BE RESOLVED IN 2-3 BUSINESS DAYS. MULTIPLE SUBSEQUENT CALLS TO CITIZEN 'S BANK OVER THE NEXT WEEK CONTINUED TO SHOW AN UNPAID BALANCE ON MY HELOC. 
ON XX/XX/2019 CITIZEN 'S BANK INFORMED ME THAT THE SITUATION WITH THE MISSING FUNDS WOULD BE RESOLVED BY THE NEXT BUSINESS DAY. 
ON OF XXXX XXXX I WAS INFORMED BY CITIZEN 'S BANK THAT THERE WAS STILL NO RESOLUTION TO THE MISSING FUNDS, AND THE MATTER WAS BEING HANDELED BY THE CHAIRMAN 'S DEPARTMENT. WHEN I ASKED TO BE CONNECTED TO THE DEPARTMENT THAT WAS DIRECTLY HANDLING THE PROBLEM I WAS INFORMED THAT WAS NOT POSSIBLE. I WAS INFORMED THAT THE CHAIRMAN 'S DEPARTMENT WOULD HAVE TO CONTACT ME AND THAT COULD TAKE AN ADDITIONAL 3-4 BUSINESS DAYS. I WAS ALSO INFORMED THAT THERE WOULD MOST LIKELY BE NO ADDITIONAL INFORMATION ABOUT THE MISSING FUNDS UNTIL THE CHAIRMAN 'S DEPARTMENT CONTACTED ME AND AGAIN THAT COULD TAKE AN ADDITIONAL 3-4 BUSINESS DAYS. 
I FIND IT VERY DIFFICULT TO BELIEVE THAT A FINANCIAL INSTITUTION COULD TAKE TWO WEEKS TO FIND A {$20000.00} ERROR WHEN THEY HAVE ALL OF THE INFORMATION LISTED ABOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
For months I have been trying to send money using the Paypal site. 
Their site states that you can send monies to friends and family using your bank account at no charge. The site does n't give me the option of sending the money from my checking account, instead it will only allow me to transfer money via my debit card or credit card thus charging me a fee of {$32.00} everytime I want to transfer money using their services. I have called to try to get this issue rectified on several occasions. Instead I am always told that there is a security measure on their system that they can not by-pass restricting my account from this feature. I feel that this can be viewed as a discriminatory practice as I have had my checking account for 15 years with no issues on my account and Paypal is charging my account a {$32.00} fee everytime I want to use their services, I am not being given the option of sending money at no cost as other consumers are able to. Why can they debit the money from the same account via debit and charge me {$32.00} but they can not draft the monies from the same account without charging me the fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: DISCOVER BANK
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
discover refuses to provide debt validation. yet keep reporting me.i have requested debt validation many times. nothing. i have asked for a call for a debt settlement figure nothing. 
i have asked for emailed statements since i have no mailing address nothing.but they keep reproting me despite a cease and desist letter i sent please intervene. not just send it to them and accept the same old script they give

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My card was compromised. On XX/XX/2019, I was traveling to XXXX, FL, I called Ameican Express Serve and notified them that I would be traveling and not put a security alert on my card, I was told that there would be no issue. I got to XXXX, FL and loaded my card only to get to my hotel and the security alert was placed so, I could not use my card. They lifted the security alert. I got back to XXXX XXXX, FL on Monday, XX/XX/XXXX and I really had not used my card or checked my balance. I made a transaction for XXXX, I checked my balance on XX/XX/2019 and realized there had been fraudulent activity on my card. I call American Express Serve and notified the of the 3 Fraudulent Transactions. I was immediately told that I would have to wait for 10 -45 days to receive my monies. However, I advised them that I have never used my card in XXXX Florida nor have I ever used my card at a XXXX   XXXX. The transactions occurred in a place where I have never been or shopped. I asked why didn't they lock my card as they had done when I called and alerted them to the fact that I would be traveling to XXXX, Their answer was because I traveled to a different state. I laughed and told them XXXX is still in Florida. I don't feel I should have to wait for my money, because they have the technology to see that I have never shopped at XXXX XXXX, nor have I been to XXXX. I am a single parent and those are monies and it isn't fair that I have to wait, especially when they know that I have never shopped or utilized my card in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions Inc.
State: LA
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 had 2 open Accounts with XXXX loan, due to uncontrolled circumstances I was unable to pay the balance owed on the accounts. however, I was sued and my wages were garnished. The account ended up getting paid in full. on XX/XX/2015 a cancelation letter was mailed out that my account had been satisfied and there was no need to take anymore of my wages. As of today, tower loan is still reporting on my credit report that I have a balance with them and I DONT. I was actually sent refunds for the above mentioned account.

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 2019-04-05
Company: Equitable Acceptance Corp
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been dealing with XXXX XXXX calling me, emailing me, and sending me letters stating that I owe them $ XXXX when I don't owe them anything. I also just realized that I have been scammed by other companies. The companies are Equitable Acceptance and XXXX XXXX XXXX. They contact me as well through text messages, email, sending me letters, and by phone trying to get money out of me. They promised me that if I paid them around {$300.00} upfront that my payment would drop to {$50.00} a month which it has and then I would need to pay them $ 50 monthly for at least a year in order for my student loan remaining balance to be forgiven. All of their promises have not been met and they have killed my credit score. I need my money back!! These people are professionals at lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My Fianc paid the company XXXX to help her get a modification on her mortgage, after approx. 2 years of this company going back and forth and asking for paperwork which we gave them, and switching people working on our file an loosing paperwork, they advised us back in XXXX of 2017 they could not help us any longer and we would have to file for chapter XXXX. Not once did they get in touch with us after that day and I have tried several times to call them back and ask them for some type of refund and they do not answer our calls. Total disrespect for a person reaching out for help.

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 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : XXXX XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX   Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX. 

I contacted the TransUnion and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. I filed a complaint through Consumer Financial Protection Bureau in XX/XX/XXXX and TransUnion replied with a general response not specific to my issue and the inquiries mention herein have not been removed from my credit report. 
Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. 
Thank you for your assistance in this matter. 
Sincerely, 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 2018-09-02
Company: Netspend Corporation
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A unauthorized transaction was made on my account with XXXX XXXX and the recipient never received the funds. The company refused to return 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 explanation