BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I spoke to a few representatives from Seterus, Inc. about a mortgage they claim they service and manage for XXXX XXXX and they claimed that they mailed a Flex - no documentation - loan modification documentation as a service on behalf of their customer XXXX XXXX my partners Attorney XXXX XXXX on or about XX/XX/XXXX. They just forwarded me a copy of what they claimed they mailed, but when checked with that attorney he told me that he never ever received this Flex loan modification offer. Seterus, Inc./ XXXX XXXX declined to honor this offer by now and after multiple attempts talking to their managers asking them to revive and honor the offer they kept on telling me the same thing, that there is no way to bring back this or any other similar offerS. eterus, Inc./XXXX XXXX clearly is NOT acting in good faith, there is no prejudice to them, as they claim this loan is in arrears from XX/XX/XXXX and those additional few months more moths from last XX/XX/XXXX ( which is when the modification was about to start ) is not going to make it or break it. I suspect that they were required by regulators to just offer this offer, so they just played games and never ever mailed it and just pretended that they mailed it, this way they have the cookie and eat it to, its well known in the banking industry that this is what did and this how they dealt in the past 15 years as its cheaper for them to pay the fine if and when they are caught. his is not the first time they played this games, they played games about a year ago when the servicing of this loan was transferred from XXXX to Seterus, Inc, while I submitted all documents for a short payoff for this loan and they even had someone come down to the house to do an appraisal then all of a sudden I found out they the servicing of this loan was transferred and the new services does not have any of the documents submitted to the previous servicer, XXXX. 

Besides the this fact, I have logs of countless and rude phone calls with their reps, including many times of not returning calls when left messages or contradicting information from different reps. 

They also having this one sided unfair and decptive policy of not allowing the consumer recording phone calls with them, while the 're recording all their phone calls and not even giving the option for the consumer to talk to them on a unrecorded line.

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 2021-09-20
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Bay Area Receivables has failed to provide any and all information I have asked for such as signed contracts or information proving the debts are mine and what they are for. I have sent several letters to po box and street address by regular mail and certified mail but the chose to be silent to my request. I have also ask the 3 bureaus to investigate and they say Bay Area said it was vallate without proof. It is my right to have proof or have it removed and the have been very nasty to me and others. I have been asking for years and the last 90 days I have insisted they show me proof. If they validate this with the bureaus they need a release from me as they are a 3rd party bully. XXXX has 20 account, while XXXX reports 8 as most have been deleted due to misinformation, and XXXX reports 40 accounts and I never got anything on these alleged accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2019 western union took {$320.00} out of my XXXX XXXX   account. This was not an authorized transaction. Western union stated since the money was picked up the transaction was valid. My bank issued a fee reversal only to be rebutted by western union. My email which was allegedly associated with western union is on the dark web and data broker sites so all my demographic information is out there. During the time of this alleged transaction, I did not have a working phone. I understand western union has to verify the information but I dont know how they did when I didnt have a working phone. My phone was compromised and I couldnt make calls out or receive them. XXXX had to restore my phone so I can make and receive calls. I couldnt even send or receive text either. I faxed 12 pages to XXXX after I opened the claim again. The fax shows my emails and demographics are on the dark web and data broker sites. Western union didnt do anything. Their position is the money transfer was picked up therefore they have no further liability. Western union is a  financial clearinghouse for dark web transactions so they dont really care. They shouldnt be allowed to be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Ability Recovery Services, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is concerning Ability Recovery Service, PO BOX XXXX, XXXX, PA XXXX. Ability had been calling me to pay a debt identified to me only as XXXX ID XXXX. To date I have never received anything from Ability Recovery Service in writing.
Ability Recovery Service calls for three or four consecutive days every few months to demand payment. Each time I inform them that they must correspond with me in writing only and if they wish to talk to someone they must speak to my attorney at XXXX Law in XXXX XXXX XXXX, Utah. 

On or about XXXX XXXX XXXX I sent certified letter number XXXX which demanded validation of the debt Ability Recovery Service asserted that I owe. 
I also demanded proof that Ability Recovery Service was allowed to act as a collection agent for their unknown client. The XXXX XXXX XXXX website confirmed delivery to Ability Recovery Service as of XXXX XXXX XXXX. 

As of today, which is 108 days after a representative from Ability Recovery Service signed for my letter, Ability Recovery Service has neither validated the debt nor removed it from my credit files. 

In my letter dated XXXX XXXX XXXX I informed Ability Recovery Service that I will consider their refusal to respond in writing as verification that they are unable to confirm or document their claims. I furthermore informed Ability Recovery Service that this failure to reply within 30 days an acknowledgement that they are not able to validate the debt. 

A debt that is not validated can not be reported to the credit reporting bureaus. Ability Recovery Service must ensure that reports concerning this debt to any and all credit reporting bureaus are removed. The time limit for Ability Recovery Service to have  corrected my credit files expired on or about XXXX XXXX XXXX. As of today it was still being reported on the XXXX, XXXX, and XXXX credit reporting bureaus, none of which will remove it because they all report it as disputed but within the law to report it. 

This caused me real economic harm when I recently refinanced my house, as I did not get the best interest rate possible on my new mortgage. My mortgage broker estimated this cost me upwards of 0.28 % higher interest, which translates to {$25000.00} over the life of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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: Information belongs to someone else

Complaint:
I wanted to cosign a vehicle for my sons XXXX birthday. As my credit got pulled the salesman told me my credit was to low. I asked him to show me my report and I saw many items that is not mine. I then pulled my credit to myself to double check the unknown suspicious items and these fraudulent items on my report are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$830.00}

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 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I wanted to cosign a vehicle for my sons XXXX birthday. As my credit got pulled the salesman told me my credit was to low. I asked him to show me my report and I saw many items that is not mine. I then pulled my credit to myself to double check the unknown suspicious items and these fraudulent items on my report are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$830.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). On XX/XX/XXXX at XXXX XXXX   Eastern Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX XXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXXl XXXX policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to XXXX XXXX was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX, Equifax, and XXXX but I have not gotten any results. I even tried to call XXXX again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: JPMORGAN CHASE & CO.
State: CA
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:
Someone has used my information and pulled hard inquiry on XXXX without my permission.. 
I want my hard inquiry to be removed immediately..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After closing on this loan I contacted the XXXX XXXX District office and provided a signed copy of the deed, copy of ID with the new address and a Verification letter from the military showing that I have a service connected disability rating of XXXX XXXX. I filled out their application and they gave me a letter stating that my exemption was approved. Once I got that I gave it to the mortgage company and asked them to quit collecting for tax and refund the money in my escrow account. 

They finally verified the exemption and gave me a escrow refund but are still collecting for taxes each month. Then when I tried to make the payment of XXXX which included taxes I reluctantly made the payment knowing that I was going to have to spend a lot more of my time straightening out getting my money back from them. Then the next day it still had not been deducted from account so I got back online and it showed a different amount of {$1200.00} that obviously still included taxes because principal and interest plus insurance should be approximately {$970.00}. So I made that payment thinking that they didnt take the first payment of XXXX The day after that they took thee money from checking of {$1300.00} and the break down showed that the paid {$1200.00} for principal interest taxes and insurance and then just took it upon themselves to apply. {$140.00} toward principal balance without my permission and then gave me an escrow refund of {$1500.00}, further proof that they know of this exemption. I called them and explained this so I could avoid them drafting another payment of {$1200.00}. Why would I make two payments at the beginning of the month when that wasnt the contract agreement to start with? In addition the is another payment toward taxes that I dont owe and the know I dont owe them. Them taking this additional caused my checking account to go into overdraft which my bank charges me for. Of course everything and Wells Fargo takes ten days or longer to figure out which gives them enough time to grab as much money as they can. 

Now Im thinking they created RESPA laws to keep these companies from having these shady practices but it seems that they have found a way around it. I got an escrow refund which proves they know of my exemption but they are still collecting for tax? Its also very apparent that I cant trust them with my banking information either. Giving them access for direct payments would be stupid. And since they collected more money than they should it starts this process of getting my money back all over again. 

Im not making one more payment on this loan until they give me my money back and change the payment to the correct amount. I dont care what it does to my credit and they can have the house.

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 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I submitted a dispute to Transunion to delete the inaccurate information from my credit report. As of today ( XX/XX/XXXX ), XXXX continues to break the law by reporting erroneous, unverified, and inaccurate information on my credit report. I am writing specifically about the XXXX XXXX collection on my credit report and XXXX XXXX. XXXX and XXXX are collection companies and not a factoring company ; thus, I have no contract with this company. Further, this company has not proved they own the debt ( as they would have to do in a court of law ). Statements with my name are not " proof '' they own the debt. Moreover, XXXX continues to use " XXXX '' and refuses to do perform a proper investigation. TU continues to ignore the incorrect information s I've sent letters to XXXX and they have failed to validate the debt. The account is reporting and listing " a past due '' and collection accounts can not report payments or list " past due amounts on credit reports ''. Listing a past due is a violation of FCRA - and listing a past due on a collection denotes payment history ; thus, how can a collection be past due? It either has a balance or it has no balance ( it can not be also past due ). Further, the account is listing terms - how can a collection account list terms? I have no agreement with this company. I would like this account deleted from my credit report based on violations of FCRA and FDPA. According to XXXX versus TU - the burden of proof is on the CRA and simply calling something verified is not proper FCRA investigation. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB I have been struggling to pay my mortgage. I finally found a buyer and obtained a short sale approval from my first lender but I can not close due to my second mortgage. My short sale approval expires XX/XX/15. 

The second mortgage was owned by XXXX who sold it to XX/XX/XXXX who sold it to XXXX XXXX and then it was service transferred XXXX XXXX. Absolutely no one recorded either an assignment, service agreement or anything on my mortgage title. 

I am awaiting for bothXX/XX/XXXXand PHH who is XXXX to provide the proper assignment and/or servicing documents so I can close. 

Please assist me. I am desperate at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Home Loan Center, Inc.
State: MO
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:
My credit score as portrayed by the bank shows I have a good credit score and the XXXX XXXX reports a XXXX which is a misrepresentation of my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: RevMD Partners, LLC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Your fields do not have enough options to adequately start this process. 
RevMD Partners has been showing a {$200.00} debt with high impact on my credit report. I sent them a check for {$200.00} on XX/XX/2020. It cleared my bank account on XX/XX/2020. It is not showing paid on my credit report. Calls are met with a generic answering message.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: M&T BANK CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. My mortgage is through M & T Bank. I missed a mortgage payment due to illness. I entered into repayment plan with M & T on XX/XX/19. I was to pay {$1000.00} on XX/XX/19. {$880.00} on XX/XX/19 and {$880.00} on XX/XX/19. I paid in XXXX. I received a letter dated XX/XX/2019 outling the terms of the repayment plan. I received a call from M & T Bank on XX/XX/19. Initially, I was told that the agreement was broken but when I asked to speak with a supervisor, I was told that the M & T worker who made the agreement in XXXX was not supposed to make that agreement. I was asked to enter into another agreement extending to XX/XX/2019. I am concerned that I will get another call in a few days stating that the plan was broken or they made another mistake. I would like M & T to honor the agreement outlined in the letter I received on XX/XX/2019. I can be reached at XXXX. My email address is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. I have the right to privacy.

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. I have the right to privacy.

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

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