BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-28
Company: M&T BANK CORPORATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Death in family occurred. Prior to her death, our mother had requested that her IRA to be closed with XXXX XXXX and funds to be sent to her. While waiting for her request to be processed she passed away and the requested funds where received at her current address, which was the address of her daughter who was taking care of her. Additionally, her daughter was executor of Mothers estate/affairs. The previously request Check was received in her name and due to her death was deposited by daughter into her primary account since her mother had passed away. Initially the deposit was reflected in the account, however several days later M & T fraud called with questions. After further explanation we were told by M & T bank that an estate account would need to be opened and the now frozen funds would be moved into account upon all correct documentation being provided. Daughter went into local branch and provided the requested documentation to open account ( short certificate, death certificate etc. ) the new account was opened as requested. We then as requested, notified Fraud Unit of the successful opening of the Estate account. After several days we again contacted the Fraud unit as the account still did not reflect the funds being released and deposited. We were now told that the Bank decided they wanted to take different route and refused to release funds. The Bank demanded that we provide the contact information for the now closed XXXX XXXX account so the information we had provided could be further verify. Verification was completed and our information that was provided was validated and upon the check being issued per the deceased request, the account was now closed. M & T still holding the issued funds had now changed process again for funds to be released and deposited. They were now requiring XXXX XXXX to request the check back after it was deposited and cashed. XXXX XXXX was willing to do so with a letter request from M & T stating " deposit was made in error without proper endorsement. " Additionally, XXXX XXXX would redeposit the check in question back into the now closed account to force the account to be reopened and re-send the check however M & T needed it to be sent to be deposited into the account. To date, there still has been no movement for the funds to be deposited back into our account in which we are currently at over 3 weeks with no resolution. Multiple calls made to Fraud area with request for update and we continue to be given a different story or I ca n't speak for the " Retail Bank '' and where they are in the Resolution of your situation. 
We simple would like our funds to be deposited as they should be so we can pay for the burial expense of our Mother. We have been extremely patient but our patience has come to an end. We are turning to the CFPB for help with resolution of this issue before we will need to get our Attorney involved. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Capital One Bank ( USA ), N.A. credit card that I was unable to pay. The total debt amount with fees and interest totaled {$7100.00}. On XX/XX/XXXX, XXXX XXXXXXXX XXXX, on behalf of Capital One, offered me a settlement amount of {$1400.00} to resolve this debt. Because my auto loan is also with Capital One and is current, Capital One was willing to work with me and offer me the lower settlement amount. I accepted their offer and paid XXXX XXXXXXXX XXXX  {$1400.00}. 

XXXX XXXX XXXX, XXXX has been attempting to collect the original amount of {$7100.00}. I've notified them both verbally when they called and in writing about the settlement agreement with XXXX XXXXXXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX sent me a letter stating that they have completed their investigation, and the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: GUARANTEED RATE 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:
During the first time applying for a mortgage with Guaranteed Rate back in XXXX of 2022  a credit run was authorized by me to check my credit report. XXXX XXXX was the broker at the time that was processing the loan from Guaranteed Rate. I was told by running the first inquiry will be affected but not afterwards, since it was applying for a home loan ( same company ). And, any inquiries there afterwards from Guaranteed Rate would not affect my credit report, ( it should only be soft pulls until loan approved and to close on the house ). How many times should a loan company pull your credit report as a hard inquiriy while in the midst of purchasing a home? I have over 8 hard inquiries on all 3 Credit Bureau from Guaranteed Rate. I can understand 2 hard inquiries if was needed, which could be from first applying for the loan and when closing. This broker felt the need to continue to run a credit inquiry on me ( same company ). XXXX XXXX states because of previous dispute I had on my credit report, the disputes needed to be removed. But does getting your disputes removed is required by hard inquiries or to run hard inquiries? This has really affected me greatly with getting approved for credit. I have been denied for credit and credit line increased ( I wasn't before purchasinga home ) because of too many hard inquiries. And, this was right after I purchased a home in XXXX XXXXn which I started having difficulty with thr broker XXXX XXXX then ( excuses ). Also, my loan has been already been sold to another lender XXXX before my first house payment in XX/XX/2022. I asked for help from the broker himself, XXXX XXXX about the hard inquiries, but XXXX XXXX stated this is what needed to be done by him/company due to the disputes I had on my credit report ( to get removed ). I need this to be resolved. Also, I have called and reached out to all 3 of the Credit Bureau asking for assistance with the hard inquiries and the reporting agencies states they are not able to remove thr hard inquiries and they will stay on my credit report for 2 years, which is harming me, my livelihood, especially after purchasing a newly built home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: ENOVA INTERNATIONAL, INC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Ive had this loan over a year the original interest rate wasn't that bad. But they offered draws on the loan. To which I agreed, and over the course I'd taken maybe 5 draws. Well I started reading online that each draw was costing me 299 %. I KNOW IF that was disclosed I never would have done it. I wrote a letter in XXXX asking the company what I could do. The manager leaves an angry voice mail. The next day they remove {$450.00} from my account. Plus the initial payment of {$180.00}. Then again in XXXX they do the same thing. I'm a single full time XXXX. They refuse to send a copy of the contractvi signed. And refuse to show me a list of all transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX, I accepted a Mortgage Loan Modification Agreement from Ocwen Loan Servicing , LLC . Ocwen 's Contract Management Modifications Coordinator, XXXX XXXX, signed-off on the agreement on XXXX XXXX, XXXX. Subsequently, all of my monthly mortgage payments have been paid on-time or ahead of the due date, which is the XXXX of each month, as required. However, on four [ 4 ] separate occasions since the approval of my Mortgage Loan Modification, Ocwen has placed my account on a Trial Modification Plan and/or Forbearance, despite the fact that I have not defaulted on the agreement. In addition, I received a " Notification of Default '', dated XXXX XXXX, XXXX. Note, that each time an incident occurred I contacted Ocwen Loan Servicing LLC., to dispute the recurring problem. As a result, they would refer me to an " Escalation Manager '' and/or their Research Department to have the issue resolved. Subsequently, each " Escalation Manager/Specialist '' [ XXXX ext. XXXX, XXXX ext. XXXX, XXXX ext. XXXX, XXXX ext. XXXX ] would allegedly investigate, then resolve the issue, over a period of one [ 1 ] to two [ 2 ] months, only to have the situation recur. Nonetheless, XXXX continue to receive harassing telephone calls from customer service informing me that I have an arrearage that needs to be paid, mortgage statements that indicate my mortgage is on a " Trial Modification Plan '', and more recently a " Default Notice ''. My mortgage is clearly not in default. Payments are made directly from XXXX XXXX XXXX on the 30th or last business day of each month from my checking account, once my Direct Payday Deposit enters my account. This is extremely frustrating. Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My issues are with the below parties. I have reached out to them over five times to express this is incorrect. I even provided documentation from XXXX XXXX  to show I dont have a bankruptcy and they still fail to remove it. Please assist. 

XXXX. Experian XXXX. XXXX 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 non-monetary relief
Consumer complaint received 2018-02-02
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX XXXX XXXX on two occasions to resolve this inaccurate reporting to the three credit agencies. I have requested validation of this debt ( disputing the companies claim ). My two letters have gone without being answered which has equal to 60 days total.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
See QWR notice of Error and Exhibits. 

My investor agreed on a reaffirmation agreement XX/XX/XXXX this was signed in court on XX/XX/XXXX and filed. The investors loan servicer failed to adjust my loan to the agreement and continued to send me monthly bills that included the bankrupcty cram down. The loan servicer changed XX/XX/XXXX and the new servicer Ocwen resumed where XXXX left off with the incorrect amount on the transfer documents. Notified Ocwen XX/XX/XXXX and did not get a response or a monthly statement unit XX/XX/XXXX I guess they wanted to make sure the 3 year statue of limitations ran out just one problem now that they got the loan amount adjusted they want more than half that principle paid at once or be foreclosed on. I never even got a letter telling me why or what happened to cause this large payment. ITS CALLED DISCLOSURE. 
I have asked for copies of all periodic monthly statements relating to my mortgage and any response to my questions to be returned or responded though the CFPB to me. I have found in the past when I have asked for information that the investors or loan servicing companies respond that they will need additional time or they will respond directly to me or my attorney but end up never completing the response in full to me or sending a attorney my response weeks later but not what I asked for. I have enclosed a permission letter from my lawyer in the exhibits and faxed a copy today to my POC at Ocwen to by pass any legal confusion if that Ocwen can communicate with me. I want to make this clear that any in the form of documentation or information should be sent back though this complaint. If my POC at Ocwen needs to contact me the letter will allow this they have my number and email on file. My goal here is to have a open line of communication and resolve some errors due to mismanagement of my loan and hopefully settle it out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THIS IS MY REPLY UNDER FCRA THAT ALLOWS ME XXXX XXXX XXXX. WHERE TRANSUNION PER THEIR Confirmation # XXXX Dated XX/XX/20. I ALSO MAILED THEM MY RESPONSE. MY RESPONSE IS PDF UPLOAD.

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 2022-03-28
Company: WAKEFIELD & ASSOCIATES, 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: Account status incorrect

Complaint:
I sent in my written disputes to cancel every collection account that appears on my credit reports. According to the Fair Credit Reporting Act sections 609 and 611, all of these collection accounts shall be removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: McCalla Raymer Leibert Pierce, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/16 I received a letter from the law firm McCalla Raymer Pierce. The letter informed me that they intended to commence foreclosure proceedings and asked to respond if I felt the amount was in error. I responded with the attached letter on XXXX/XXXX/16 that I did indeed dispute the debt amount stated. My letter was a QWR and as such, the firm 's failure to respond is a per se violation of the Fair Debt Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  and TransUnion are reporting inaccuracies and conflicting information in my credit file for the following creditors. XXXXXXXX XXXX and XXXX XXXX. They reported 90 days late past due on XXXX, XXXX XXXX, XX/XX/2021. On XX/XX/2021 XXXX decreased my credit score by 97 points due to these 90 days past due from XXXX XXXX and XXXX XXXX. On XX/XX/2021 TransUnion reported XXXX XXXX and XXXX XXXX 90 days past due and decreased my credit score by 111 points. I dispute the late past due status with XXXX TransUnion, and the creditors XXXX XXXX and XXXX XXXX. On XX/XX/2021 XXXX  and TransUnion changed the past due late to current on the XXXX XXXX account. However the status remained late past due on the XXXX XXXX account. However, they did not change my credit score until I called them. When I checked my credit score a few days after speaking with them, XXXX increased my score by 45 point and TransUnion increased by 33. Neither credit bureaus increased my score to the number of points that they decreased it to when the late payments past due occurred. On XX/XX/2021 XXXX and TransUnion decreased my credit score again and reported 90 days late past due for the same creditor XXXX. XXXX  decreased my score by 48 points and TransUnion decreased my score by 61points. Neither credit bureaus increased my score to the amount of points that they decreased them on on XX/XX/2021. As of XX/XX/XXXX, both companies edit bureaus decreased my scores again and flagged these XXXX accounts late past due 90 days. This is inaccurate these account have never been late or delinquent. The creditors wrote me a letter stating it was an error and would be deleted. One of wrote me a letter stating they do know have any account in their records fir me. According to the CARES ACT I am protected and none of this should have happened.

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 2020-03-23
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Ive applied for a citi bank credit card on XX/XX/2019 to try and start up a credit line. I got a letter basically telling me that theyve denied my request. So on I went to my personal bank and I got approved for a credit card, told me to download XXXX XXXX. Went on it showed that I have a inquiry from Cbna. Which by the way I do not have any accounts with 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 2016-07-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
The IRS has placed a lien on the property of XXXX XXXX XXXX XXXX, XXXX CA XXXX. On XXXX XXXX a person tax lien. 

The IRS can not accept payment from an unknown party with no legal standing to ask to have removed a tax lien to commit civil fraud against me and the estate of XXXX XXXX. The estate has not been probated and the debtors and creditors have not been heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Three weeks prior to the lease end, I went for the pre-inspection and was told the front tire 's tread was a little worn, but they should be fine. Wednesday, I went after 186 miles of 3 weeks of driving and they said the tires were bad. Now, I use to work as a mechanic when I was a teenager, on average you lose1/32 per 5000 miles of careful driving but let us say is 1500 miles. There is no way in three weeks the tires went bad on 186 miles. On XX/XX/XXXX, I went back to turn in the second set of keys and requested for the car so I could check the tires with a tire tread tool. It was something, they came up with every excuse in the book so I would not see the car, we do not know if the car is in the lot, it could be in the CPO department or sent to the auction. I guess they are not aware of paper trails or electronic tracking, a dealer does not know where a car is, wow. They looked once and came back with no luck, sorry, So I pressed them again if the car is not on the lot, I wanted to know which auction house it was sent, so I could go and view the car. Then after 20 minutes miraculously the car appeared, like magic. One interesting thing to note the dealers tool is a dial gauge rather than a depth gauge. Using this tool allows for subjective outcomes because is not as accurate. I checked both tires and here is what I found, first they were screwing me out of money, the only tread that was 3/32, below their standards, was the inner one the other three treads were 4/32, or 5/32. The best part is when that I signed the lease, I noticed that the tires that came with the car were regular tires, not run-flats. So, I asked what the issue with the tires was. I was told by XXXX XXXX that BMW no longer comes with run-flats My XXXX all I needed to do was look to confirm at the cars inside the showroom. The audacity and my stupidity of course because you must be with all senses on. At that point, you have been haggling for hours and that is how they wear you down. I hate to call XXXX out because he is an affable guy but know he is costing me money, so I have no choice. At this point, I have to pay XXXX dollars for both tires.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On lease form the amount owed is exaggerated. The lease that procollect provided for payment was altered. Lease time whited out. Did not sign the copy that the company whitened out. Have copy to show the original plus the copy provided by the collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This case was with XXXX XXXX XXXX.The complaint was handled by The FCC case numbers are # XXXX and # XXXX XXXX issued a credit of XXXX on XX/XX/2021 at XXXX ; XXXX XXXX.This was described as a bundle done inappropriately as landline phones, mobile phone, cable, internet of which 2 internets were billed and only one could be used. This is in The Executive Resolution Department of the carrier and I don't believe that this collection company Credit Collection Services has any idea of what is going on. Someone sent them a bill and was not in Executive Offices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation