BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XX/XX/XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XX/XX/XXXX breach as well.

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 2020-05-03
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After I asked for a forbearance the mortgage company offered three months, not six. Then began many confused and erroneous communications. First they said I was late on the payment after confirmed for forbearance, then they retracted that. Then I was told I needed to pay escrow and then that was retracted. Finally the forbearance seems to be real but almost entirely useless because the entire amount is due at the end of three months. 

The point of contact has intermittently replied and then ignored me for many days. 

I was told that after the three months, I would have to pay all three months of forbearance in one lump payment. This is a useless and not acceptable solution. 

My understanding is that the CARES act informs mortgage servicers to behave differently. 

When on Friday XX/XX/XXXX, after being on hold for 1.5 hours, I finally got to speak to someone about these concerns, the man on the phone told me that the forbearance payment being due at the end of three months was not negotiable. When I asked why, he said the investors had not approved a deferment. When I asked what I could do about this situation ( I asked this question in at least three different ways ) he told me that I could make a payment. This was the solution offered. I have never paid late and have excellent credit. I own a XXXX XXXX XXXX XXXX XXXX and my family lives on the money this business generates. As everyone knows, all public events are cancelled and therefore my income is XXXX. There was no effort by the mortgage to take any of this into account. 

I have read the latest CARES act rules and this is an affront to both myself and the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been disadvantaged by Fedloan whom I consolidated all of my student loans through in 2016. I used XXXX ( Nonprofit organization that I paid nearly {$400.00} dollars to assist me ) to consolidate the loans and this triggered for me to receive an application for the Public Service Loan Forgiveness program. At the time that the consolidation went through, I was told that I my PSLF application was accepted and approved and was placed on an affordable monthly payment. To my dismay, a year later while dealing with Fedloan to recertify for the employment aspect of the application, I would be told that I was never in the program due to them not receiving my application. Although I completed the form and submitted it multiple times to Fedloans ( faxed and emailed ), their representatives ( multiple conversations related to this topic ) would argue that they never received nor processed an application for my account. 
Over the course of a 5 year time span, I feel that I have been mislead and given very misleading information regarding my original application, its approval ( which I was told eventually that it was never processed because they never received the application despite multiple submissions ), payments made to Fedloan ( which the ones that were made I would later learn were never applicable to the program because of Fedloan mishandling/mismanaging my application ) and repayment options in which I was forced to go on the income driven repayment plan after multiple attempts to have successful reviewal and acceptance of the PSLF application. I have also been forced into a perpetual state of student loan forbearance because of my inabilities to afford the loan amounts that have been assessed to my account. Now that there is an active litigation process going on, I would like to become part of the movement in order to receive recompense for my loans that are now much higher than they originally were due to interest and penalties that have been applied to an already six-figure student loan debt. I am struggling and need intervention with this situation as I am drowning in debt and am unable to afford payments at this time under the IDR program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This home is a part of an Estate, the loan is serviced by Ocwen Loan servicing. 
After the death of the owner XXXX XXXX XXXX, XXXX XXXX, XXXX. The grandson after there were other Administrators, became the responsible person for this loan and has worked with Ocwen and made payments to Ocwen Loan servicing for XXXX XXXX XXXX, XXXX, NY XXXX. XXXX XXXX XXXX made the payments on the first modification dated XX/XX/XXXX ... All payments were made and they returned the payment that was sent by XXXX XXXX and then offered another modification on XX/XX/XXXX after they returned one of the payments from the first modification. They kept all of the other payments. No one knows what they have done with all of those payments. 
We have tried to talk to PHH that is now servicing the loan, they don't want to hear anything. They claimed they sent correspondence to an address that has nothing to do with this loan. 
When we tried to apply for help, first they told us to send in a loan modification package with all of the proofs we did, then after we sent in everything they told us the loan had to be assumed. We had to fill out the Application Identification Certificate, then we had To fill out the Family Transfer Package, Then we had to send The newly executed Deed and a picture with the date of birth. We went though all of that to be changed to PHH, where they absolutely do not try and help they had no knowledge of all that had been done and they really don't care. We have asked for supervisors or someone that we could talk to about this Loan no one has helped. There is a sale date for this home on XX/XX/XXXX. Please help, no one was notified about the sale, we found out about the sale from people coming by the house. 
After the transfer from Ocwen to PHH, every time we called there was an issue, the file had not been ported to the new system, then they told us that the account had a new new with PHH, we had to wait from the time the loan was c hanged to PHH an Ocwen company until XX/XX/XXXX before anyone to speak to us and the loan number was the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to modify our loan for a year. My husband is on the house and they refused me twice and said I am not allowed to use his incom. This is a lie according to my lawyer. Soo my husband almost lost his XXXX twice. We have been working with a lawyer and then the pandemic happened and now they must think its over because my lawyer said it will be frozen until we do the modification. I made the mistake telling wells fargoo my house was worth Moore. It is worth way less so now they are kicking us out according to my credit report that as of XX/XX/2020 Im in foreclosure. They never returned my call they dont know what there doing. All they want to do is get us out. We felll behind medical loss. We make well over XXXX figures and we do infact qualify for something. But they lied and told me my husband doesnt count and now they just want my house and I havent even finished what the lawyer wanted me and my husband to do. They forclose ashy way. I have also been working with hud and XXXX and others. This is scaring me. I dont know if I need to get a rental and move us out here. They are awful and very very deceiving. Please 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 2019-09-24
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Sunday, XX/XX/2019. A man from XXXX contacted me that he could help me financially. He claimed that he wasn't a scam. The guy willingly sent me his drivers license to show he was real .But in order for him to help me I had to send XXXX $ via paypal to verify I was real and he would then reimburse my money. Once I sent the man the money through via XXXX he blocked and deactivated his account on twitter. The man was completely a fraud. I reached out to XXXX company about the issue and XXXX denied my dispute and said it was not protected under so called " buy protection ''. I've even tried to contact the man via email through paypal but he has not responded. I just want my money reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: SC
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:
Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 
This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: AR
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:
There are several items on my credit file that exceed or reporting inaccurately. 

# 1XXXX XXXX XXXX  paid in full is not a charge off should not be reporting delinquent history. # 2 XXXX XXXX this account exceed the 7-year statue reported. # 3 XXXX XXXX this account was paid in full was. Please remove the inaccurate delinquent history. XX/XX/2015 through XX/XX/2015. # 4 XXXX Paid in full and I have the letter stating paid as agreed.

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 2018-12-13
Company: USI Solutions Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018, I received 1 call on personal cell phone at XXXX. I was driving and could not answer. 20 minutes later when I had the opportunity to listen to the voice mail, it was identified as USI, a debt collector and I was given a number to call back and a reference number. I did not have time to call then but returned to my office. I arrived at my office at XXXX and was given a note that the same number had called and left a message for me to call. At XXXX XXXX  I received a text from my son-in-law stating the same number had called him looking for me and left a message with him for me to call XXXX ext XXXX. This seems excessive and harassing as I am sure that other people were contacted and I have not heard from them yet. 
I called the number provided and extension and was sent to voice mail. I left a message that I contest the debt, wanted all calls stopped and to be contacted via US Mail. I additionally went to the web-site for USI and used the contact form to send them the same message and provided my mailing address there. 
The tactics of this kind of phone calling seems a violation of the FDCPA. If they can provide the information I requested and it is valid I will deal with it but it is harassing to call a bunch of numbers that are some-how linked to me to collect an unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: CO
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:
Experian keeps putting a negative statement in my profile. I have called them on a recorded line as I record all my calls and they assure me that the statement will be taken off then they put it back on. These XXXX  dont realize that I will keep filing a complaint as long as I have to until the statement of dispute is removed. I have never disputed this account. The account is closed and handled by a 3rd party company and payments are in good standing so why would I dispute. I think they pick random accounts to place negative statements on. They are violating the FCRA.

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 2020-02-03
Company: Direct Capital
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received several calls from XXXX XXXX @ Direct Capital XXXX as well as XXXX They advised they had time sensitive information regarding a civil action they needed to get to me, but i needed to verify information. I stated i do not verify information over the phone and i will only communicate with them via US Mail, he stated i can not send you out any information without verification. I said if you have a civil issue against me then you have the information to send all information via US Mail. I said please do not call me again. 
I hung up and he proceeded to call me 6 more times, each time telling him not to call. I then blocked his number then he proceeded to call with other numbers. I advised him i was reporting him for harassment. Then he started to call my work number I made the same statement. He called back again and asked for my supervisor I said not then he said please transfer me to HR i said no, and stop calling my work number. He continued to call a 3 more times. 

He also called my ex husband and left a voice mail for him. I do have the voicemail as he forwarded it to me. He called him after I repeatedly asked him to for communication to only be through them mail. This VM states they have time sensitive information regarding my personal information. 

Calling me at least 10 times in a 20 min span after asking him to stop each time is harassment. Calling my job and requesting HR and my supervisor is an attempt to intimidate me to give them information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: The CMI Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called and asked for personal information over the phone. Never given information back. Charged {$63.00} unpaid against credit report. Will not tell why they are charging that amount when you call and ask the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The borrower missed the first payment on the loan in 2019. The property was under contract in XXXX, scheduled to close in XXXX, 2019. The lender assured the owner that they would not proceed with foreclosure proceedings as they knew it was scheduled to close early XXXX, 2019. The owner tried for over 20 days to get a payoff statement from the attorney representing the current loan servicer/investor but no success due to XXXX XXXX not cooperating. The property closed on XX/XX/XXXX and the title company has sufficient funds to payoff the loan from the sales proceeds but they have not been able to get a payoff statement. The seller has tried to get the law firm to provide a payoff statement but it has been one excuse after another and they have been very difficult to deal with. I am asking for you help as the new owner is very concerned that the lender will not provide a Satisfaction of Mortgage and Dismissal of Lis Pendens, even though it was filed two days before closing and they knew the loan was being paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2018-06-05
Company: MIDCOUNTRY FINANCIAL CORP
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan account through XXXX XXXX XXXX was closed and charged of in XX/XX/XXXX with a balance of {$4000.00}. I filed a dispute in XX/XX/XXXX with the three Credit Bureaus regarding the validity of this account. XXXX XXXX responding by increasing the balance owed to {$10000.00} which is now reporting to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: NY
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:
Between the dates of XX/XX/XXXX - XXXX, XXXX XXXX unknown inquiries were made on my Equifax credit report. These inquiries included XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. From this time through XX/XX/XXXX and again in XX/XX/XXXX Ive made several attempts to reach out to each company, each noting that they are unable to locate accounts in my name or social security number with their company or related services. I was told to reach out to Equifax to have the inquiries removed. Several calls were made to Equifax who explained that the companies must provide notice of no accounts. Calls were made to the companies. XXXX of which, XXXX XXXX XXXX, who recently provided documentation stating no present accounts or contact with the company therefore recommending Equifax to remove the reporting. XXXX company XXXX has failed to respond to attempts for assistance. XXXX explained that Equifax must initiate this fraud inquiry. Equifax says XXXX must do so in order to investigate. XXXX says the concern must go through the fraud dept. but can not be investigated as fraud if no account has been identified. In this time I learned that disputes can be filed with Equifax online. This was done in XX/XX/XXXX but again they were unable to resolve the issue. I learned that Equifax actually makes no calls to the companies, rather they just look at the reporting and deem it factual. They again asked for notice from the companies. 
As aforementioned I was able to get a notice from XXXX XXXX XXXX, clearly stating the inaccuracies and need to remove the inquiry. This was faxed ( as their website did not allow uploads despite what it says ) to Equifax in early XX/XX/XXXX but they again rejected the dispute and deemed the reporting factual despite the company providing the notice that they stated was required. These XXXX false and inaccurate inquiries remain on my credit report going on XXXX years and no one seems able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
DEPT OF ED/NELNET shows XXXX XXXX and XX/XX/2019 not current. {$37000.00} this info is incorrect, I was in forberance during this time. 



DEPT OF ED/NELNET shows XXXX XXXX and XX/XX/2019 not current {$31000.00} this info is incorrect, I was in forberance during this time. 

I am trying toi purchase a home and this is affecting my options. Can you please correct this information please?

Company response to consumer: Closed with explanation