BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: Ocwen Financial Corporation
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX Notice of Chapter XXXX Bankruptcy Case, Meeting of Creditor, & Deadlines filed. ( Notice attached ) XX/XX/XXXX Notice of Appearance with request for copies of all orders, notices and pleadings under bankruptcy rules 2002 ( g ) and 9010 ( b ) filed by Ocwen Loan Servicing, LLC as servicer for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( Notice attached ) XX/XX/XXXX Final  bankruptcy Decree received that included referenced mortgage property. ( Letter attached. ) XXXXXX/XX/XXXX Received letter from Ocwen Loan Servicing, LLC stating the following : " This letter was sent to acknowledge that we are in receipt of your request regarding the REO inquiry through correspondence received from XXXX XXXX. '' -I did not make this request and sent a certified letter, with return receipt, stating the property had been surrendered in a chapter XXXX bankruptcy with all of the applicable filing information. ( Letter attached. ) XX/XX/XXXX Received NOTICE OF OWNERSHIP CHANGE from Ocwen Loan Servicing, LLC stating that the mortgage account had been transferred. ( Notice attached ) XX/XX/XXXX-XX/XX/XXXX Several invitations to pay and miscellaneous notices from " XXXX XXXX '' received . 

XX/XX/XXXX Debt validation notice received from XXXX XXXX XXXX. 
-XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and ALL of its servicers are well aware that this property was discharged in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I CONTACTED RESURGENT ABOUT THIS ACCOUNT LVNV FUNDING ACC # XXXX THEY ARE REPORTING ON MY CREDIT REPORT. WHICH THE REP STATED THEY MANAGED. 
WHILE I RESARCHED AND COME TO FIND OUT RESURGENT DO NOT MANAGE OR OWNED THIS ACCOUNT THEY REPORTING .THE COMPANY THAT OWN S THE ACCOUNT STA TES THAT THERE NOT AFFLIFIATED WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Madam/Sir : Please be advised that I strenuously disagree with AMEX 's egregious, discrimatory and XXXX decision to cancel ALL of my AMERICAN EXPRESS Card, including MY CORPORATE CARD, without the benefit of a fair and impartial adjudication of the present and historical facts. I especially take objection to your characterization of me contained in your letter, which is at best erroneous but us in fact discrimiatory. 

Specifically, I have been loyal American Express Cardholder from more than 20 years. I have dutifully paid my bills ON TIME and have been a consistent and regular user of both my personal and CORPORATE cards. Further, I am a well-respected financial professional with more than 36 years in the financial institutions space. To have AMEX unceremoniously cancel my Hilton, Surpass Card AND Corporate Card based on a biased representation of the facts has jeopardized the well-being of not only myself, but of that of my employees. 

With all of us dealing with the COVID pandemic, these actions are unconscionable and disgraceful. These are especially pronounced since AMEX have not been made privy to the disrespectful treatment I have received from your Customer Service representatives in the past ( which has persisted until the present day ). I have attached a link to some of the comments on the behavior of their customer service representatives. 
https : //www.corporate-office-headquarters.com/american-express-company Accordingly, I am formally requesting that AMEX reconsider their short-sighted decision and reinstate both my Corporate ( Account ending in XXXX ) and Hilton Surpass Card ( account ending in XXXX ) in due course. 
. 
I look forward to your prompt and courteous reply and a satisfactory conclusion to this episode. But I really need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested in writing multiple times that Flagstar Bank provide our written contract which specifies that they are holding insurance payments made to us in limbo/escrow per the terms of my contract. 

They have refused and continually refer me to another department, refused to answer multiple emails, and refused to release the money. 

All work has been completed, however they continue to hold the money and demand compliance with extra-contractual " guidelines '' which are not part of our contract. 

They promised to release the money if I sent them the endorsed check, which we did, however they continue to refuse to release the funds.

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 2020-05-19
Company: Stearns Ventures, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred Stearns Lending in XX/XX/XXXX. My Home Insurance carrier told me in XX/XX/XXXX that my insurance will be cancelled if my yearly premium is not paid. I immediately informed Stearns and the rep. told me to not worry about it that payment was already mailed. A {$550.00} check was sent to XXXX XXXX in XX/XX/XXXX. The check was returned back on XX/XX/XXXX bc of wrong information was provided. My policy was canceled. Stearns never followed up and, in XX/XX/XXXX, I discovered that I had no Home Insurance policy. I contacted my Broker who explained that I needed a new Home Owner policy because the previous one could not be reinstated. Now the yearly premium increase is {$600.00} instead of {$550.00}. Stearns explained in XXXX that they will pay the {$46.00} difference to my escrow account bc it was their mistake for not following up. 
In XX/XX/XXXX, my mortgage was transferred to XXXX. 
Stearns refuses to pay the {$46.00} despites several phone calls and full explanation. Rep. usually put my call on hold until I hang up after 30 minutes waiting ) ; one told me Stearns will never pay anything. Now, I will have to pay an additional $ 46 yearly premium until the end of the mortgage life ( 30 y ) bc of Stearns 's mistakes, breach of duty, and obvious bad faith.

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 2020-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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 been calling and trying to get resolution from this account over a year. My card was stolen and used. They only provide a statement as proof. They have passed this account off so many times. Its all illegal. I contacted them and was called back my their attorney XX/XX/XXXX @ XXXX XXXX XXXX XXXX stated that she would resolve this matter and get back to me.i heard nothing. As assumed since the games and paperwork never get to anyone and they no nothing. I contacted again XX/XX/XXXX @ XXXX and spoke to XXXX XXXX and he said I cant talk about this account or help you. I will seek legal action At this point its all a runaround. They also act like they dont know case references numbers. No one takes responsibility it says Portfolio Recovery Associates gave to XXXX XXXX they both sent letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The account is set up for automatic payments. The XX/XX/XXXX payment was paid on XX/XX/XXXX. This was confirmed with my bank ( provided time of XXXX XXXX  and the ACH # to the lender on XX/XX/XXXX - see email attached ). 

I was initially told via phone call in XXXX it was resolved and should show so on next statement. Despite this information provided to lender and my request to stop harassing me about a paid payment, it continued and the monthly statement continued to show unpaid with fees and late fees piling up. 
After numerous calls, I was told they needed a bank statement showing the disputed error. After providing this in XXXX, I heard nothing for nearly 3 months, but the monthly statement still showed past due. After weeks of complaining and no resolution, I was eventually assigned a specialist to deal with the complaint on XX/XX/XXXX. She requested a clearer copy of the bank statement I sent 3 months prior. I responded immediately on XX/XX/XXXX with an email attaching a complete bank statement showing all interaction and payments to the lender, including the XX/XX/XXXX processed payment that was already proven as paid with bank ACH # etc. I followed up with a personal call to her provided extention, but it was not valid. To my dismay, the XXXX statement still did not show the payment. I sent three emails on XX/XX/XXXX asking why I was still getting collection letters from XXXX. no response was received. since I've tried to call the specialist at least 10 times, no luck. she's gone awol as there is no extension. after leaving a voicemail twice in the general phone box, i received no call back and am completely done with this 7 months of harassment. See attached emails as proof of interaction with the lender and all statement above.

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 2021-07-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Violation of FCRA 15 U. S. Code 1681 ( a ) under Exclusion ( b ).

The definition of credit card under 15 U.S. Code 1602. My social security number is consider my credit card by Law and by Law, all items listed in my Facts and Law Demand letter must be excluded from my credit report and credit file.

Credit reporting is completely optional by Law, and now Law is written that credit reporting is mandated. Therefore I am exercising my consumer rights and demanding all items enclosed in my letter be excluded from my credit report and credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Home Loan Center, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Someone posing as an agent of Lending Tree told me I was approved for a {$500.00} payday loan I applied for. OnXXXX XXXX, they called my bank pretending to be me and made a fraudulent claim about an ATM deposit not being credited. The bank issued a temporary credit in the amount of {$1300.00}. The lender said to XXXX XXXX  them {$830.00} and the remaining {$500.00} was my loan amount. They said it would boost my credit score.  I did it. I just saw the credit in my account, the agent went over terms with me, I thought it too be legit. Now my bank account is overdrawn {$1300.00}, and they have closed all my accounts. The agent wont answer my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CREDIT SVC CO Last reported XX/XX/2021 {$13000.00} Open balance XXXX XXXX XXXX Original creditor Original balance was XXXX. They are charging interest on this debt that is invalid. 

According to the " employment agreement '' that was signed I would only be charged if I terminated my employment within the first 2 years of employment at XXXX XXXX XXXX. I had already worked there for 3 years when the contract was signed. The agreement did not state that my time of employment would start with the signing of the agreement. The agreement also stated that I would be given skills that I did not previously have. I did not obtain one new skill that was not previously possessed. In fact since I had already been employed there my preceptor told me I knew what I was doing and to get her if I had any issues. This was not a full training as I was supposed to receive. These areas invalidate the agreement. 


Attached is a copy of the employment agreement that I made before signing. Also included is a copy of my scheduled work dates from my start of employment to my termination. This proves that I worked there for more than three years, invalidating the agreement requirement of remaining employed for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
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:
There are accounts that were open without me knowing i reached out to Equifax, XXXX, and XXXX numerous times and they still haven't responded or do what they promise to do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I attempted to purchase XXXX tickets to the XXXX/XXXX game in XXXX from two separate individuals and was scammed by both. The first did not send any ticket through XXXX as promised and the second individual sent scanned tickets through email that when I got to the XXXX stadium ( XXXX XXXX ) I was told they were not authentic. Both individuals blocked my number and would not answer when I called from a different phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Comerica
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Problem # 1 The month of XX/XX/2021 I realized that I was " not receiving Comerica Bank Alerts, " I then contacted COMERICA Bank XXXX XXXX and was told that all my set bank alerts were all " deleted " because I changed Mobile Phone Carriers. The Phone Numbers stood the same only the carriers changed therefore nothing should have changed. 
Problem # 2 On XX/XX/2021 I went to a different COMERICA Bank XXXX XXXX and made a {$900.00} withdrawal from my SAVINGS account and did NOR receive a Text Alert of the withdrawal, on XX/XX/2021 at approximately XXXX using the COMERICA Bank App and my internet connection was " cut off '' I then used the internet ( and not the app ) and discovered that the {$900.00} was being set for deduction on my " CHECKING '' account which would have caused " insufficient funds, insufficient fee and a " late Rental Fee, return fee " these incidents were a calculated move to cause an abundance of " FEES " and was conducted by a COMERICA BANK iT Web-Development Manager/Supervisor with override authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: DISCOVER BANK
State: NC
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 been the victim of Identity theft due to several security breeches since XXXX there are now multiple companies including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Fin. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies are report information not belonging to me I have reported this to my local authorities as well as the FTC. I have filed multiple disputes with all three credit reporting agencies. This is causing a social and financial strain on my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My previous account with XXXX XXXX XXXX Account # XXXX was halted for two months in 2020 at company 's discretion at the peek/during COVID-19 Natural Disaster. Account has since been Satisfactorily Paid off and Certified by XXXX XXXX XXXX. But XXXX has deliberately and wilfully continued to report it as two late payments on my credit profile, causing me a significant, downward negative report on my credit, thereby affecting my ability to gain favorable terms on my mortgage and other possible loans. 

I've since attached and sent XXXX proof of the Letter of Satisfactory and Never Late Payments. Notwithstanding, XXXX has refused to adjust it in my favor as with the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My personal background information is incorrectly placed as my security questions does not relate to my past history. For example, an individual who does not live with me and no relations was asked by my personal XXXX XXXX for access of my account. This security questions was placed by the credit bureau. Upon calling the credit agency, the rep refused to help by hanging up. Trans Union need to update my credit report with accuracy. All my past debts settlement did not show up in my credit report. There are debts still exist as debts causing my credit report is be lower. My student financial loans was settle yet it shows up as still owed. Pass judgments still shows up as current despite paying off.

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 2021-10-31
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: Account status incorrect

Complaint:
Showing a past due balance Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is accurately and erroneously reporting a 30-day late notation. I request an investigation into this.

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 2021-07-06
Company: EQUIFAX, INC.
State: TX
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:
Please see original complaint ID XXXX. This issue is not resolved. I demand to know the method of validation and verification that was used to verify these unauthorized inquiries. " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY '' is not a valid response to investigate the cause of my unauthorized inquiries. Furthermore, in my original complaint, I also advised I was provided incorrect information from employees at Equifax, this issue was also never addressed. My complaint was closed by Equifax without fully investigating my complaint and coming to a resolution. 
Below are the unauthorized inquiries. I need to know the method of validation that was used to confirm that I authorized these inquiries, if not under FTC these need to be removed. Inquiries in question are the below XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX  XXXX, XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX

Company response to consumer: Closed with explanation