BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-11
Company: KBHS Home Loans, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
ESCROW PAYMENT INCORRECT, BECAUSE XXXX XXXX REFUSED TO ACCEPT MY ( TAX-EXEMPTION ) AS I AM ( XXXX XXXX XXXX XXXX XXXX VETERAN ) " EXEMPTION # XXXX '' FROM NEVADA ASSESSOR OFFICE. TERRIBLE WAY OF SERVING PEOPLE. HANDED ME MY TAX EXEMPT WRITTEN ON A BUSINESS CARD. DESPICABLE NOT PROFESSIONALISM TYPE OF SERVICE, KIND SCARE ; LED TO DISARRAY INFORMATION OF UNSCRUPULOUS CONDUCT I SHALL SAY ... ALSO ; THE MORTGAGE COMPANY SUPPOSE TO REFUND AND REIMBURSED OUR TAX EXEMPTION FROM OUR MORTGAGE PAYMENT, ONCE IT IS SETTLE ON THEIR SIDE OR WHATEVER THE CASE MAYBE. I AM SERIOUSLY CONCERNED BIG TIME ABOUT SERIOUS FRAUDULENT CONDUCT AND ACTIVITY TARGETTING PEOPLE NOWADAYS UNLAWFULLY. SO MUCH SCAMS ACTIVITY ORCHESTRATING BY BUSINESSES NOWADAYS UNLAWFULLY IN VIOLATION OF THE CONSUMER LAW FOREMOST.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Receivables Management Partners, LLC
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article 809a of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Collection Bureau of Fort Walton Beach, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm working with XXXX XXXX  they been tying to get in contact you. I've sent multiple letters on my behalf and have not been contacted by phone. The letters usually say return to sender and come back to me. These collections were already removed from all my credit reports all 3 credit buerous and you took over the collections. I do not owe that money I don't know why it's on my credit. Please remove them I've been trying to get in touch with u. Please reach out to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XXXX, I disputed a collection item listed on my XXXX credit report for Financial Control Services ( XXXX XXXX XXXX. ), last reported XXXX XXXX, XXXX in the amount of {$250.00} through Experian, control number XXXX. At this point in time, the investigation is ongoing. 

I was alerted to a change in my credit report by a monitoring service. The change to my credit report included a new collection item from Financial Control Services last reported XXXX XXXX, XXXX in the amount of {$250.00}. 

I believe that this new item was added in an effort to circumvent the Fair Credit Reporting Act. I believe Financial Control Services ' and XXXX XXXX XXXX 's intent was to allow the CRA to delete the original dispute to avoid having to complete a reasonable investigation as dictated by FCRA by inserting the new collection item. 

The new item reported on XXXX XXXX, XXXX was disputed with Equifax, control number XXXX. In addition, I submitted a complaint with the CFPB regarding the duplicate collection item and XXXX lack of controls that allowed a data furnisher to report a duplicate collection item while the original item is currently under investigation, CFPB complaint number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This started with a purchase of my home. In order to be approved for the mortgage, I had to pay off all of my debt. I called XXXX XXXX XXXX, which is through BofA, and was informed my balance and payoff was {$1300.00} and so, I wrote a check out to XXXX and wrote ACCORD AND SATISFACTION and wanted the account closed. Instead, XXXX sends me a new card and then sends me a statement indicating that {$1300.00} was not the payoff amount and that I owed MORE MONEY and now, they are sending me to collections. The Check Number XXXX, dated XX/XX/XXXX was cashed. 

Now, I am receiving correspondence from Bank of America, which is enclosed, account number ending XXXX, Case Number XXXX, indicating they are notifying all Credit Reporting Agencies that my credit is now damaged and depreciated. I had already notified the Credit agencies of this dispute. 

I am attaching the correspondence which is connected to Case Number 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 2016-01-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for a Wells Home Equity Line of Credit to conduct home improvements on XXXX XXXX, 2015. I was approved for a credit limit of up to {$30000.00} on XXXX XXXX, 2015. During the process, I considered seeking a higher credit limit, but was informed by Wells that I could always raise the limit later on if necessary. After the Home Equity Line of Credit was approved, I learned that my anticipated renovations would cost more than expected. Accordingly, I returned to Wells to obtain a higher credit limit. It was only then that I was told by Wells that New York State law allegedly prohibits Wells from increasing the original credit limit on a Home Equity Line of Credit. At no time did Wells inform me of this limitation when I sought the original line of credit. Indeed -- Wells ' representations were the opposite -- that I could always raise my line of credit if necessary. This false representation was a significant motivating factor in my decision to obtain the original line of credit. Now, however, I have been told by Wells that in order for me to obtain a higher line of credit, I must first close the existing Line of Credit and apply for a brand new Line of Credit with a higher limit. This process will cost me over {$800.00}, and Wells has refused to waive the additional service charges and closing costs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Contacted Owcen multiple times and then made a complaint to your office. 

Got XXXX letters and then a call yesterday that says we still do n't qualify even though their letter to us XXXX/XXXX/2015 says the automatic termination of PMI the date the principal balance of the loans first scheduled to reach 78 percent of the original value of the property. It has and yet she stated today they just sent us a letter declining to drop PMI. 

We have always been current. We are well past the 80 %, {$160000.00}, the original loan stated PMI would be removed. We are past the 78 %, {$150000.00}, of the original loan amount as stated in the letter received. Yet they are still refusing to remove PMI and return money paid after we met the automatic PMI removal of our original loan agreement or their companies stated policy as received. We want the PMI overpayments to be returned. 

Their employee told me on the phone last week that they had sold our loan to XXXX and we have yet to get any information of such sell. We emailed them and told them any late payments of our county taxes or home insurance from our escrow account as they are both due this month would be turned into the governing bodies. They did n't pay either on time last year which caused a lapse in our homeowners insurance of around twelve days. 

We need your assistance in getting them to refund and remove the PMI which is not needed any longer under their own policy in their letter or our original loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: First Associates Loan Servicing LLC
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am sure that you have received XXXX these for student loans, private and federal, but I 'm not greedy. I understand that I signed the paperwork and agreed to the loans, but when you 're signing paperwork for a student loan program that was invented by XXXX XXXX to pull itself out of the proverbial boiling pot because it lied to the government and its investors, well then I think personal responsibility can then go out the proverbial window. No one signing you up for a loan is going to tell you that the loan is bogus and that it was created for the sole purpose of covering up XXXX 's accounting fraud. 

I am not asking for my federal loans to be wiped XXXX that would be outstanding, though ) simply because that was a legit loan, not a cover-up scheme of a shell of a loan. I am, however, requesting that you look into the PEAKS loan enterprise in hope that I may receive some relief from them. It is absolutely absurd and inconceivable that this type of fraudulent concoction of deceit can still be allowed to fester and infect students ' lives. It needs to be shutdown and that is why I am writing you ... .yes, relief would be nice to save XXXX dollars, but the thought of PEAKS and XXXX not being able to ruin other lives is so much more fulfilling to me. Please do not brush this under the rug. 

I hope this finds you well, whomever is handling this, and that you have a great day.

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 explanation
Consumer complaint received 2015-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have some inaccurate information on my credit history. I haveaddress changes that do n't apply. And I have never changed myname.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: MI
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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$930.00}, XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit card debts over 6 years but they still want me to pay do I have to or is it a zombie debt and to old to have to pay. Ive been paying a small amount for awhile now on XXXX different accounts but they sent letter saying they cant sue or report me to creditors what can I do

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear CFPB : I have to file a complaint against Wells Fargo business checking for incessantly harassing me in spite of knowing that I was a victim of bank fraud. I filed that complaint in XXXX. The CFPB case number was XXXX. Before filing in XXXX, I reported the fraud to them in XXXX. That 's why I was incredulous that Wells Fargo would call me three times a day starting at XXXX ending at XXXX from XXXX XXXX XXXX XXXX. The bank never asked me how I was trying to reclaim and recover the money. Every word regarding the bad news, XXXX spewed about Wells Fargo was true because I am experiencing this first hand.

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 2016-02-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
. For the past two years since OCWEN has taken over the servicing of my mortgage I have been constantly harassed with phone calls, foreclosure threats and charged late fees when I have been complying with my contract and paying on time. Ocwen takes more than 10 days to process payments and deposit checks, claiming that I am late. I understand that Ocwen was prosecuted. The Consumer Financial Protection Bureau obtained a Consent Judgment against Ocwen, for XXXX in principal reduction and XXXX in cash to foreclosed homeowners. In spite of this court order Ocwen still continuous to violate the Consent Judgment Order, the Fair Debt Collection Practices Act with false misleading representations and unfair practices. 
I understand that Ocwen is a collection agency that services my loan. They refuse to tell me who the principle note holder is or give me contact information and this is causing me extreme anxiety as to what my legal rights are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The transaction amount that was credited back to my America Express Card was $XXXX making the account a total amount of $XXXX.. XXXX XXXX XXXX. located at XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Ref# XXXX.  This is what's happen now 
XXXX 
To:
XXXX

XXXX XXXX XXXX XXXX XXXX

My name is XXXX XXXX.  On XXXX XXXX I authorized my card for payment to XXXX XXXX XXXX in the amount of$ XXXX on XXXX XXXX XXXX and $XXXX on XXXX XXXX XXXX.  The entire amount was credited back to the account on XXXX XXXX XXXX.  I have the conformation.  I will not wait thirty days for all my money.  I Will give your agency until tomorrow XXXX XXXX XXXX to make my money available to me.  If this has not happened I will contact the CONSUMER FINANCIAL PROTECTION BUREAU.  IF this is not resolved I will start Legal actions.  I will be asking for more than $ 360.00. Someone my call me@ XXXX XXXX XXXX.  I have spoke with three of your Employees XXXX, XXXX, XXXX all with Customers Service/Blue bird.  All has lied.    These people are holding the money that not only belongs to me but a potion that belongs to my Cousin as well.  I refuse to wait fifteen (15) or (30) days for my money.  XXXX has released the funds, so why I have to wait.  When I spoke to one on the Customer Service Person, I was told their office was located in the XXXX.  Theses funds were taken out the same day requested, the funds should be back in my account by now

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I became XXXX XXXX/XXXX/2016, was out of work and underwater with my mortgage so contacted Ocwen for assistance with HARP program, told do n't have that but will help me with HEMP. I advised Ocwen I was getting help from peers paying my mortgage so my credit score would not be affected, I provided all requested documents. During loan modification XXXX 2016-XXXX 2016 I experienced extreme frustration to get assistance.I was expected to provide documents in short periods, wait for followup calls, then asked to resubmit the same documents, sometimes more than once. I provided all documents requested. In XXXX 2016 Ocwen advised my modification was denied due to " I paid my mortgage on time, can only be approved once my mortgage is 6 mts late. However being 6 mts late does not guarantee approval ''. I have been misled by Ocwen and believe their process is not clear. I am aware Ocwen calls are recorded, which will show how I was misled. On further discussions with other lenders i was advise Ocwen does have the HARP program and should have assisted me. As of today XXXX/XXXX/16 I am still with Ocwen underwater with the mortgage, keep getting late fees and no assistance from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After a recent divorce, I am under court order to sell the marital home or refinance entirely in my name. Because the property is currently worth {$50000.00} less than we owe on it refinancing is out of the question and a short sale is necessary. Let me be clear, as of this date I am current on my payments. My ex-husband and I have worked hard to meet our financial obligations and to minimize the disruptions to our children 's lives brought on by the divorce. At this time it is necessary to sell our home. We are no longer economically able to continue to support this debt and are trying to be as responsible as possible in resolving the sale of our property. We have an offer to purchase our home that we have submitted to the bank. Ocwen has drug their feet throughout the entire process. I have had to submit documents multiple times. I have received conflicting and inaccurate information about what documents have been received and which are still required. Every time I have sent them the documents they have requested they come back and ask for another XXXX or ask me to resend what I have already submitted. My offer has been with Ocwen for weeks and has yet to be submitted tot their " Investor, " in my case XXXX XXXX. I feel because we are not in default they have no incentive whatsoever to work to resolve our case. Their " Relationship Managers '' have XXXX authority to answer any meaningful questions about what will happen with my loan. All they can do is collect my documents, and they do n't even do that efficiently, and send them on to " their investor. '' XXXX can not escalate to a supervisor or file a complaint in any fashion. There is no way to contact or speak with the mythical " Investor. '' It has been the highest, broadest, thickest stone wall I have ever encountered in my experience as a consumer. There is no recourse whatsoever. This is a government regulated industry where banks operate with impunity at obscene profit. I have little hope that this forum will offer any assistance but I have made an attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
After sending a letter to Hunter Warfield requesting validation of a debt that was placed on my credit report, they have failed to respond after numerous attempts to contact them. This debt was satisfied to the original creditor XX/XX/2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 explanation
Consumer complaint received 2017-10-11
Company: HYUNDAI CAPITAL AMERICA
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:
After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the XXXX and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the XXXX and XXXX a Bureaus have not provided the proper validation which violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hunter Warfield is trying to collect on a debt from an apartment complex where I used to live in Georgia. I do n't know what this collection amount is specifically. I have not received any verification or breakdown of this amount from Hunter Warfield or the apartment complex so I ca n't verify if any of the amount is correct or legitimate. In addition, they have never sent a notice of a right to dispute, they just started calling me and then entered it as a collection matter on my credit report for XXXX, XXXX and XXXX. I sent them a letter ( attached ) requesting verification. It has been thirty days and I still have not received verification of this debt. I want this collection item removed from my credit reports immediately.

Company response to consumer: Closed with explanation