BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXX ( XXXX XXXX ), Successor in Interest to XXXX XXXX XXXX , XXXX XXXX, Successor by Merger to XXXX XXXX XXXX XXXX as Trustee For XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX XXXX XXXX XXXX XXXX ), continues to allow others to proceed with foreclosure of my property in Docket No. : XXXX upon a note and mortgage ( " mortgage loan '' ) that became time-barred as of XX/XX/XXXX, by using the name of XXXX XXXX  as Trustee for XXXX XXXX XXXX 's name as the purported owner of the subject mortgage loan, despite XXXX XXXX as Trustee for XXXX XXXX XXXX 's communications dated XX/XX/XXXX and XX/XX/XXXX annexed hereto as Exhibit 1, declaring that : The servicer is the party to the Trust that has the authority and responsibility to make decisions regarding individual mortgage loans in the Trust. The Trustee has no authority or responsibility to review and or approve or disapprove these decisions and actions.. 

Furthermore, XXXX XXXX  as Trustee for XXXX XXXX XXXX further declared within its publication titled Role of the Corporate Trustee enclosed hereto as Exhibit 2, that : ( 1 ) As Trustee, XXXX XXXX   XXXX XXXX XXXX XXXX performs the following responsibilities. Does not initiate, nor has any discretion or authority in the foreclosure process .... ( Id. at Page 2 of 4 ) ( 2 ) All trustees for XXXX transactions, including XXXX XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX  transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process. ( Id. at Page 2 of 4 ) ( 3 ) As noted, the trustee does not play a role in initiating or managing a foreclosure process and consequently has little, if any, information relating to mortgage loan activities including a foreclosure. Depending on the particular trust and pool, the trustee may have very limited information on either the borrower or the property. ( Id. at Page 2 of 4 )

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 2020-02-10
Company: Lennar Financial Services, LLC
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We closed on our house in XXXX in MN and therefore any exterior things like a driveway could not be completed and needed to go into escrow. Our builder informed us that they would not escrow but that if we used their mortgage company - Eagle mortgage - that they would escrow for us. We had previously worked with another mortgage broker but decided that it seemed odd to pay for our house in full even when things are not complete and then pay for the escrow items again - essentially paying twice for the things that wouldn't be complete at closing and went with Eagle Mortgage. 

The entire process was sloppy and most documents were full of incorrect information but we were forced into signing as they said none of the documents until closing were legally binding but we needed to sign these or we wouldn't get our mortgage and to close on our house. The constant threats became exhausting but we pushed through and on the night before our closing, we were informed that our closing costs went up approximately {$3000.00} and that we would need to fund our escrow of {$7200.00}. This was at XXXX XXXX  and our closing was the following day at XXXX XXXX. We had already wired the closing about of roughly {$130000.00} and were told to " bring our checkbook ''. Luckly we called the title company and the said they do not accept personal check, which we though would be the case, but they would wait for us to go to the bank to get a certified check. 

The evening prior we had many conversations with the Mortgage lender where she continued to say whatever in that moment would make us happy - several times lying. At this point we began to point out the inaccuracies. We were told we wouldn't close on the house if we wouldn't pay what we were told to pay.

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 2018-02-21
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I keep getting unsolicited calls from a debt collection agency who claims to be located in XXXX tx named SANtander. They claim I have a XXXX XXXX and keep calling for XXXX XXXX or XXXX. I have told them my number is not asicaocatied with these people and to not call me anymore XXXX. It happened back in XX/XX/2018 I thought I wouldn't receive anymore calls then yesterday at XXXX I get voicemail asking for me to call her back XXXX ( XXXX ) XXXX she's there till XXXX. They want to run my credit card and only want a debit card and XXXX XXXX  is how the payment is applied. Last time they said they were the law and and used XXXX ( XXXX ) XXXX This number. I have registered my number w do not call list yet they keep violating the rules an think it's joke and it's illegal to solicit money in fraudent ways. They claim to be a debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
Dear Experian, I, XXXX XXXX XXXX XXXX XXXX, am aware of all rights that I have, and which are protected by the congress under the fair credit reporting act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX XX/XX/2017 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held XXXX per violation.

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 2019-07-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, please remove all others they are not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX, acting on behalf of US Bank, has filed two letters of delinquent debt on an account under my maiden name. I have contacted XXXX via letter on XX/XX/2019 for both accounts, # XXXX amount of {$220.00} and # XXXX amount of {$910.00} and notified them that unless they can provide a written contract for those accounts with US Bank, I will consider this a matter of stolen identity as I have had other accounts opened under my maiden name which I have never used for banking purposes. I had been contacted several times last year by US Bank to open accounts with them which I declined and it appears whoever was attempting to do so succeeded to creating these accounts without any authorization from me.

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 2019-07-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX HOSPT COMPLIANCE SPEC My only address is XXXX XXXX   XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.

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 2022-02-02
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a CareCredit account during my time as XXXX XXXX XXXX for an elective XXXX and for as long as I can remember I have never paid a payment over {$250.00} ( I think {$190.00} has been the highest payment that Ive paid unless I chose to pay more ). When I went to make my XXXX payment of around {$180.00} I noticed that my XXXX payment had shot up to {$440.00} with my XXXX payment being almost {$500.00}. Well XXXX XXXX I was covered under XXXX but since I have been XXXX and I am now a 100 % XXXX veteran, care credit has refused to help me or explain why my payments have almost tripled. Even without the protection of XXXX my payments should not be that much. I called several times on or around XXXX XX/XX/2022 and no representative would help me. They ( only using they because both representatives refused to give me their names ) told me there were no payment options other than closing my account and that I was just be forced to pay this money even though I live off of a fixed income. They would not explain to me how my payments almost tripled even with the backtracked interest from some of the promotional periods that had expired nor would they put me in touch with anyone who could help me. 

At one point I had to hang up and call back because the representative was not letting me speak. she kept speaking over me and when I told her I needed her to hold for a minute she just kept going on and on about my account and wouldnt let me get a word in edgewise. I would like the CFPB to look into CareCredit because as far as Im concerned Im not the only one thats experiencing this issue with them. 

I made payments on a regular interest rate before I was told that I qualified for XXXX while it was still XXXX XXXX and my payments were nowhere near what they are now. I am trying to understand how my payments almost tripled even with the added interest from promotional periods, which have expired. It does not make sense and I believe that this company is using deceptive business practices and charging exorbitant fees without explaining to the consumer why these fees are there or just charging them thinking that the consumer will not question them.

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 2019-07-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ],  these disputed items must be re-investigated or deleted from my credit record within 30 days. i have been patient and it has been long than 30 days and I still have not heard back anything! If it is determined through your investigation that the disputed items are inaccurate, please update my creditfile and send me notification that the information has been updated or deleted. According to the provisions of 612 [ 15 USC .1681j ], there should be no fees and I need this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: ClearPath Lending
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
ClearPath Lending is sending false and misleading offers to lower my VA mortgage. When I called to be removed from mailing they hung up on me. 

For example, the offer is to lower my VA Loan rate to 2.25 % Rate, 2.45 % APR for VA loans ; I know this is erroneous information from current VA loan rates. 

On XX/XX/2020, ClearPath Lending Inc entered into a Consent Order with the Bureau of Consumer Financial Protection. The order settles allegations that the business sent consumers mailers for VA-guaranteed mortgages that contained false, misleading, and inaccurate statements or that lacked required disclosures. The order alleges that the advertisements created the false impression that ClearPath was affiliated with the VA, misleadingly advertised rates or payments as fixed, even though the advertised mortgage was an adjustable-rate mortgage or the payment was not fixed for the indicated duration. ClearPath also allegedly misrepresented the existence, nature, or amount of cash or credit available to the consumer, and the existence or amount of fees or costs to the consumer, in connection with the advertised mortgage. Under terms of the order, the business agrees to pay a civil penalty of {$620000.00}. The order also imposes injunctive relief to prevent future violations, including requiring ClearPath to bolster its compliance functions by designating an advertising compliance official who must review its mortgage advertisements for compliance with mortgage advertising laws prior to their use ; prohibiting misrepresentations similar to those identified by the Bureau ; and requiring ClearPath to comply with certain enhanced disclosure requirements to prevent future misrepresentations. XXXX  XXXX was for settlement purposes only and should not be considered as an admission of guilt or finding of violation of the law. 

Clearly they're not following the injunction. 

Secondly, I filed an opt out for firm offers of credit and insurance at optoutprescreen offers in XXXX of 2020. The offers of credit have all but stopped except from ClearPath Lending. This company is a menace and should be avoided.

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 2019-07-10
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
QVC was advertising a {$40.00} promotional credit which would be applied to the next purchase which I never received. i have contacted them multiple times and still have not been able to resolve this. I received the pre-approval right away and when I tried to use the card that same day it wouldn't go through. I had the QVC rep try various times and the account number would not work so they reported as lost and issued me a new one that same day and i made a purchase but never received the credit. I am seeing them continuously offering promotional statement credits of various amounts even now and have seen complaints online from others who have never received the credit either and would like to see this fixed.

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 monetary relief
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: NJ
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:
I have incorrect bill from XXXX being reported on my credit report by XXXX XXXX and XXXX. After disputing this bill before and it being deleted for non confirmation it was reinstated on my credit report and XXXX have blocked my access to file dispute online requesting that i submit mail only dispute which usually takes over thirty days. I feel XXXX has violated by consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Kriya Capital, LLC
State: FL
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 am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CREDENCE RESOURCE MANA plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: FHA mortgage
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:
XX/XX/2020, I filed complaint number XXXX regarding inaccurate credit bureau reporting and erroneous crediting of payments. XX/XX/2020, I received a response from XXXX XXXX XXXX, Director of Customer Service Freedom Mortgage. In response, Mr. XXXX declared the following. " This will report your account as current for these months when we next report to the credit bureaus, which is currently scheduled for XX/XX/2020. '' On XX/XX/2020, I received a notification from XXXX  my credit score had increased 100 points due to Freedom Mortgage rectifying their erroneousness. 
On XX/XX/2020, I received a notification from XXXX  my credit score had decreased by 101 points due to Freedom Mortgage re-reporting the same errors they had just rectified. 
At this time, XX/XX/2020, XXXX  is reflective of Freedom Mortgage, rectifying their errors. However, I am sure if Freedom Mortgage follows past practices, the score will drop any day. 
At this time, XX/XX/2020, XXXX  still reflects 3 30 day late payment reports.

I have been dealing with Freedom Mortgage for almost ten months regarding their incompetencies, empty promises, and spin.

I am trying to refinance my loan with my credit union. However, I am unable to due to Freedom Mortgage incompetencies. The irony is I am receiving unsolicited offers from Freedom Mortgage to refinance. 
I am notifying the Utah State Attorney Generals office of Freedom Mortgages ' incompetence and disregard for reporting accurate, factual information to the Fair Credit Reporting Act or F.C.R.A. 
If this requires an alternate venue for Freedom Mortgage to correct the failure, I am more than agreeable to pursue that possibility.

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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2019-05-15
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I went to XXXX XXXX in XXXX Ga in XXXX of 2018. I originally pawned my title at XXXX XXXX and fell behind. XXXX XXXX bought out XXXX XXXX. XXXX XXXX gave me a new loan and payments at XXXX monthly for 24 months. I was making monthly payments until I lost my job. I fell behind and they would not work with me with my payments. They added outstanding late fees & interest rates went up. I've made XXXX towards the loan and they still want work with me. The only option they are offering me is to return my vehicle. Please Help. Now they say the balance is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have had accounts opened in my name with banks. One of these accounts is with BBVA Compass. I called them several times last XX/XX/XXXXto notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.

Company response to consumer: Closed with explanation