BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: HomeTown Lenders, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We started a morgage with home town lenders out of XXXX AL the second week of XX/XX/2019. 
We chose to change companies when the broker we are working with left home town lenders. 
I have contacted them through two different individuals both with emails so it would be in writing that we have chosen to leave and go with another lender. 
However we have gotten the run around over our appraisal needing to be released to our lender, they will not even let me know the full cost so that I can pay for it. 
Home town lenders is supposed to work for their customers correct? 
Their doing nothing but causing us unwanted grief I feel because we decided to move to another lender. 
I contacted their cooperate office today, and still have no updates, I feel they are dragging their feet because they know they can. 
Could you please help us receive the cost total so we can pay it and help us be sure they forward the appraisal document so you can close on our house. 
Thank uou

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14
Company: Ocwen Financial Corporation
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The actions being taken against my dwelling by OCWEN LOAN SERVICING , LLC and it 's agent XXXX, XXXX XXXX XXXX , XXXX & XXXX XXXX XXXX in the Circuit Court of XXXX County is in violation of the Consumer Financial Protection Bureau Consent Judgment # XXXX against OCWEN FINANCIAL CORPORATION and OCWEN LOAN SERVICING , LLC ( OCWEN ) for violating numerous laws, including but not limited to the Unfair and Deceptive Acts and Practices law and the Consumer Financial Protection Act of 2010. 

A FDCPA demand was mailed in XXXX XXXX and as of this date the Respondents have failed to provide evidence required by the CFPB and under the FDCPA that OCWEN is a 15 USC 1692a ( 4 ) creditor, yet is proceeding in an action that would be in violation of 15 UCS 1692g to cease and desist absent verification.

Company response to consumer: Closed
Consumer complaint received 2022-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed sometime in XXXX. The bank took almost two weeks to get my funds even after I told them this is resulting in financial hardship. I had to use by son 's credit card to pay my living expenses. because they closed my account for a bad check, they would not allow me to go withdraw cash. 

Ultimately, the bank did not lose any money ( not even a XXXX ). I have called every two weeks since XXXX for the remaining funds. 

I received a bank statement showing XXXX balance but they are holding the remaining funds of {$450.00}. they keep telling me they are researching it. I asked what is there to research. this was a savings account where I have maybe deposited only several checks and all were cleared way before they closed my account. 

I called every two weeks since end of 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 2019-04-11
Company: Fay Servicing, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filled a complaint against XXXX XXXX  who bought XXXX XXXX. 
Back on XXXX XXXX XXXX approached to me ( I was ok with my original Mortgage with XXXX XXXX ) I bought my house for XXXX dollars back on XXXX. 
XXXX came over, valued my home at XXXX XXXX dollars. I thought was insane but they gave me all the appraisal documentation and lend me XXXX dollars in a XXXX which according to them it be locked at a low rate. 
I filed a claim through CFPB and looks like XXXX XXXX just send it to collections to a company called Fay Servicing. 
This was a predatory loan. 
I ask for this loan to get removed. 
Its my home and I have paid now more than the cost and not only that. My home is worth way less than what they claim. 
The house is worth XXXX dollars and according to them I owe XXXX XXXX dollars. 
I had to declare bankruptcy on XXXX because I just could not pay XXXX dollars a month instead of the original XXXX I was paying. 
THIS WAS A PREDATORY LOAN AND I AM LOOKING TO GET MY SANITY AND FINANCES BACK TO TRACK. 
I DEMAND FOR THIS LOAN TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: M&T BANK CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have 3 accounts with M & T bank. They recently put a hold on all of them. They suspected fraud when I sent a certain amounts of money. I called and told them it was not fraud and to cancel the dispute/investigation process. They refused and said they are closing all my accounts and that I am restricted from accessing my own funds. I cant even go to the bank and take money out. Shouldnt have to wait until that is over, if my accounts are closing regardless then they need to let me just get my money now then. Im a single mom, have XXXX children to take care of currently homeless in a shelter and no income. Its ridiculous why I am still waiting. I just want access to get my phones take out my money and go elsewhere while they investigate whatever they need to and close that account. The account needs to be at XXXX balance anyway for it to be closed so they just keep giving me the runaround about my money and refusing to let me just go to the branch and take all my money out!.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2019-04-11
Company: Meade & Associates, Inc.
State: CA
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 did not receive correspondence in the 30 day window per FCRA guidelines showing that this company sent documentation showing their federal right to post this item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Dovenmuehle Mortgage, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took a XXXX mortgage 3 years ago with XXXX XXXX XXXX XXXX XXXX for the property at XXXX XXXX XXXX, XXXX IN XXXX. My monthly payment including principle, interest and escrow was {$620.00} per month. I paid via auto payment without delay every month till XX/XX/2023. XXXX XXXX XXXX decided to change service providers as of XX/XX/2023. 

The new servicer - Dovenmuehle Mortgage , Inc. NMLS ID XXXX has doubled the monthly payment to {$1100.00} claiming that I have escrow debt but can not provide any proof to this debt and sending me to the previous servicer. 

I can not afford this payment and tried to clarify with the new servicer, however, if I am forced to pay this amount I will not be able to pay it and will end up losing my house. 

PLEASE HELP. The new servicer phone number is XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Not only have I tried multiple times to reach out to XXXX XXXX XXXX and XXXX, I Have summited multiple disputes to get the account XXXX XXXX XXXX account number XXXX removed from my credit report due to the fact that it states that its a auto loan with incorrect or not showing information on the balance or the amount but the biggest issues is its not mine! As show with the social security number attached to the account! This has hurt me in so many ways not only has it prevented me from getting a new car it has destroyed my credit score.

This account is one of the multiple accounts that are not mine that are showing on my credit report with incorrect information. Account Number XXXX with XXXX XXXX XXXX and Account number XXXX with XXXX XXXX as well as account number XXXX with XXXX  XXXX XXXX are all prime example of accounts that are not only displaying correct information as show in address id # XXXX, address id # XXXX, and address id # 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 2018-11-21
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2018 at approximately XXXX, I XXXX XXXX XXXX called all three Credit Report Agency to remove all previous addresses and employment from reporting and just live current address. I called XXXX   and XXXX  and they honored my request without no problem. When I called Experian and spoke to XXXX to remove all previous address from reporting and just live current address, she said that the address XXXX XXXX XXXX XXXX will not be removed because there is a creditor reporting to that address. She said I have to contact them and update my address with them so they could report back to them to updated address and remove address from reporting on ( Experian ) .She was so rude, that when I still was talking with her she put me on hold before making sure I was done talking. I asked her for I.D . or employee number and she refuse to give it to me. I asked her for her last name and she refused. I requested to let me speak with her manager and placed me on hold. She came back on the phone and she said per her supervisor that it is their policy that address will remain on my credit report. I let her know that she is in violation of my rights under the Fair Credit Reporting Act, 15 U.S.C 1681, U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of the consumer information contained in the files of consumer reporting agencies. I let her know that I will file a complaint with the Federal Trade Commision ( FTC ) for  violating my right under 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 explanation
Consumer complaint received 2023-04-26
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:
Not only have I tried multiple times to reach out to XXXX XXXX XXXX and XXXX, I Have summited multiple disputes to get the account XXXX XXXX XXXX account number XXXX removed from my credit report due to the fact that it states that its a auto loan with incorrect or not showing information on the balance or the amount but the biggest issues is its not mine! As show with the social security number attached to the account! This has hurt me in so many ways not only has it prevented me from getting a new car it has destroyed my credit score. 
This account is one of the multiple accounts that are not mine that are showing on my credit report with incorrect information. Account Number XXXX with XXXX XXXX XXXX and Account number XXXX with XXXX XXXX as well as account number XXXX with Possible XXXX XXXX are all prime example of accounts that are not only displaying correct information as show in address id # XXXX, address id # XXXX, and address id # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-09
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called Lvnv funding is trying to say I owe credit one bank money. I have never signed any agreements with lvnv and have no knowledge of them. They are reporting negative information illegally on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
We had car loan with Santander XXXX XXXX since XXXX XXXX. 
On XX/XX/XXXX loan account was totaly paid and closed. 
Loan we paid from XXXX XXXX bank account by auto payee. {$600.00} monthly. 
After the loan account was closed still 3 times autopayee went through : XX/XX/XXXX - {$600.00} XX/XX/XXXX - {$600.00} XX/XX/XXXX - {$600.00} We called to XXXX XXXX bank. They filled up the claim and denied next day because they don't see any issues there. Money went to Santander loan account. Then we call to Santander- they don't see money in our loan account because it's closed. No more loan. Where is money? Where they dissappear?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I, XXXX XXXX, Consumer and Original Creditor, sent in an affidavit of truth to TRANSUNION regarding incorrect information on my consumer credit report pursuant to 15USC 1681a ( 2 ) which states Exclusions that are not supposed to be reported on my consumer report. I have also called in to Transition to get these things removed and as of today they still remain. The information that is listed on my credit report is an invasion of privacy and it is also causing damage to my reputation as a consumer. I demand that these accounts be removed immediately as they are in direct violation of federal law as TRANSUNION will be held criminally and civilly liable for these violation pursuant to 15USC 1611 and 15USC 1640.

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 2020-06-02
Company: Experian Information Solutions Inc.
State: PA
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:
I have had my XXXX  XXXX account for two years. I have never been late on the account until XX/XX/2020. I had automatic payments set up for the second day of every month. For XX/XX/2020 the automatic payment was made XX/XX/XXXX and then another payment XX/XX/XXXX. Payment conformation for both payments. I then closed the bank account on file due to current pandemic. Payments were reversed and I was unaware until I received the XXXX monthly statement. I took care of the issue immediately paying over half of the balance as well as updating banking information on file. I contacted XXXX  XXXX directly via phone and email to the CEO of the company. During the first conversation I was told that they didnt see anything on their end of me being late on payment. No late fee, no Delinquent Mark etc. The representative suggested it was a error on the credit bureaus end. I then proceeded to email the CEO. I received a phone call about a week later stating again that there is no late error on their side. They are aware of the payment reversal but there was no late fee or any late marks on the account. I spoke to two different representatives. They both stated that they are unable to fix the 30 day late remark because they do not see it on their end.

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have had my XXXX  XXXX account for two years. I have never been late on the account until XX/XX/2020. I had automatic payments set up for the second day of every month. For XX/XX/2020 the automatic payment was made XX/XX/XXXX and then another payment XX/XX/XXXX. Payment conformation for both payments. I then closed the bank account on file due to current pandemic. Payments were reversed and I was unaware until I received the XXXX monthly statement. I took care of the issue immediately paying over half of the balance as well as updating banking information on file. I contacted XXXX  XXXX directly via phone and email to the CEO of the company. During the first conversation I was told that they didnt see anything on their end of me being late on payment. No late fee, no Delinquent Mark etc. The representative suggested it was a error on the credit bureaus end. I then proceeded to email the CEO. I received a phone call about a week later stating again that there is no late error on their side. They are aware of the payment reversal but there was no late fee or any late marks on the account. I spoke to two different representatives. They both stated that they are unable to fix the 30 day late remark because they do not see it on their end.

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 2023-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter aims to address some issues with the credit report that is currently being held in my name. Reviewing this report has revealed inconsistencies that demand immediate attention. After thorough examination, I discovered that some accounts require urgent attention to guarantee a true portrayal of the data. 

As a consumer who is familiar with the provisions of the Fair Credit Reporting Act ( FCRA ), you are aware that the law permits a request for an investigation into the credit report in the event that there are any disagreements regarding errors. 

Getting an accurate picture of the financial situation from the credit report is the main goal. In order to improve accuracy and fairness in the credit reporting system, these discrepancies should be addressed. It is anticipated that a resolution that is advantageous to all parties involved can be reached with your cooperation and compliance with the FCRA. 

We value your help in reviewing the errors in the credit report and correcting them, as well as your prompt reply. It would be fantastic if this dispute could be settled within the time frame required by law.

Company response to consumer: Closed with explanation