BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-30
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Since  XXXX  of   XXXX   every single mortgage payment that I have made to O cwen Loan Servicing has be en either lost or reversed. I always keep the confirmation email stating that the payment was made along with a corresponding email stating that the payment was received by Ocwen. However, on the following month when I attempt to make my mortgage payment my payment records indicate that the payment from the previous month was either not credited to my account or reversed. This is seriously affecting my  credit score  and preventing me from transferring my mortgage to a more creditable mortgage company. I am currently attempting to recover from Chapter  XXXX  proceedings and this ridiculous matter is causing me serious financial difficulties.     It 's seems rather fishy to me that the only way that a customer can pay their mortgage without a fee is through their bank, but this appears to be the  one  way that is not working as it should. I 'm not understanding why a mortgage company would receive a payment from a customer, turn around and send it back to the customer and then not send any correspondence whatsoever indicating that there was a problem with the transaction. More interesting than that, how does a mortgage company mysteriously loose a customers payment all together.?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: OR
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 a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Other

Complaint:
In XXXX XXXX, I enrolled in XXXX XXXX XXXX. In XXXX XXXX, Chase followed their policy and charged off my account in XXXX XXXX. In XXXX XXXX, I received XXXX XXXX 's from Chase canceling the debt owed for each card to include as income on my XXXX Tax Return. During XXXX XXXX, I reviewed my credit reports and determined all XXXX credit bureaus were still carrying the amount owed on these accounts as balances. Based upon the Indentifiable Event Code ( Box XXXX ) listed on the XXXX, Chase has marked a code of " XXXX '' Instructions for filling out a XXXX states the following : Code G -- Decision or policy to discontinue collection. Code XXXX is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice. I have attempted to dispute these items but Chase says I still owe the monies for these cards. Based upon the Identifiable Event Code, Chase has followed their policy and canceled the debt. A cancelation of the debt per the IRS is the debt is no longer valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my home when XXXX lien holder foreclosed on my home. the XXXX lien holder never paid off the XXXX mortgage. the XXXX lien holder sold the property and the new buyer did not pay off the loan. I have contacted chase several times to ask them to release me from liability or call the loan and they have refused to work with me. I no longer own the home and chase has refused to call the loan or release me from liabitly. the home has been sold twice and now chase is trying to have me make the loan payment on a home I no longer own. I never gave permission to have someone take over the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Date of last activity was XX/XX/XXXX, and account was closed on XX/XX/XXXX. 

These people have no legal right to contact me and/or attempt to collect on a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern : You all have broken every rule in the book when it came to giving me a loan and now currently you all still do n't want to negotiate with me. 

You all have done the following:1. Improper approving my residential loan for gov't insurance and refinancing2. Fraudulently submitting loan data regarding my loan # XXXX to HUD-FHA that was false. 

3. Predatory lending by raising my rate over four points at the time of financing. 

4. This is direct mortgage discrimination. 

5. By breaking the Home Mortgage Disclosure Act6. By breaking my Civil Rights Act of XXXX. By XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
While I was away on a business trip out of the country, TD Bank Customer service gave access to my account to an unauthorized user. TD Bank sent me a letter acknowledging the account takeover was their responsibility, said I am NOT liable for any of the fraudlent charges, and would be restoring my credit account -- including credit limit and all other card perks. 

I have yet to receive my new card or account despite receiving the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2016-09-29
Company: COAST PROFESSIONAL INC
State: OR
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I still see a debt owed to Coast Professional on my credit report in the amount of {$2600.00}. This account has been paid in full for over a year. When I contact Coast Professional, they will confirm that I do not owe them any money but they will not provide written confirmation of any sort. 

This has resulted in my being turned down for a mortgage and paying thousands of extra interest on my auto loan due to an unfavorable rate offered because I credit score was damaged by this erroneous item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Target red card refuse to update balance on my credit report! Claiming theyre unable to change!! Im on a payment plan! I Try to make a phone payment on XX/XX/20 and XX/XX/20 but the service unavailable due to the holidays!! Made it a payment on XX/XX/20 ( no store branches in my town ). That shouldnt be reported late!! Because the payment was made it next business day!! And they need to update the balance of two billing cycles!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I believe that I have been unfairly reported as having 30 days past due payment. Ditech failed to apply my payment to my account because my escrow amount was increased by {$34.00} and my payment did n't reflect the new amount. They did not make an attempt to contact me to correct the matter until the end of the month. I have never made a late payment and they would not work with me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: I.C. System, 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.C SYSTEMS PROVIDED AN ATTACHED ACCOUNT OF VEFIFICATION FROM XXXX. CLAIMING IT TO BE VALIDATION OR TRYING TO MAKE IT LOOKS AS IF IT WAS VALIADITION FROM I.C STSYEM TO COLLECT SAID DEBT. WHICH IS NOT WHAT I REQEUESTED OR ASKED FOR. I ASK FOR PRROF OF CLAIM AND A ORIGINAL CONTRACT WITH MY SIGNED NAME BETWEEN ME AND I.C SYSTEM. THIS COLLECTION COMPANY DOES NOT HAVE VALIDATION OF AANY SUCH THIS TO CONTINUE TO LEGALLY ATEMPT TO BOTHER 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 explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: GA
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 act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX purchased a house in XXXX XXXX with using my VA home loan, came down on orders to change duty stations in XX/XX/XXXX to XXXX XXXX XXXX. In XX/XX/XXXX my mortgage was with XXXX XXXX XXXX, I called to do a loan modification, the person I was speaking with told me " dont make another mortgage payment till you got all the paperwork that i am sending you '', so I stopped making payments. I waited ten days never received any paper work, so I called back told the person I was speaking with what was going on, that person also told me to dont make payment till I received paper work, I never received any paper work. Ever since than I was giving the round around, by than I was so far behind on payments that I could not catch up to bring my loan current. After a few years go by mortgage was sold to many different mortgage companies, then ended up in collections, now I owe {$400000.00} to bring my loan current at the end my VA loan turned to a conventional loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan with ditech that has been pulling my taxes for XXXX municipalities. They have me in XXXX and XXXX county. This has been an ongoing thing for 3 years now. They keep paying XXXX even though I 'm not in XXXX. An easy look at the assessor records would show that I 'm XXXX county. I 've been calling and opening records and they still have n't fixed the problem. I 'm beyond mad about this. I 'm over paying XXXX a month if not more and they do n't seem concerned. I have to step away from work to call and I was told a bunch of times it would be taken care of. I have to admit I just sent them a snotty email about it but I 'm at the end of my rope. Please tell me how to handle this. 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Credit Bureau of Lancaster County, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I submitted a dispute to the colletion agency dated XXXX XXXX 2015. The company has not completed an investigation and provided me with any results regarding my dispute. Instead they just submitted the information to my credit report. This is plain harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive had this card since 2017, started with a {$750.00} credit limit. I have asked twice for a credit limit increase to {$1500.00} and each time Ive been denied regardless of my good payment history. The company states its because of my debt to income ratio. I feel that Im being racially discriminated against. I am an XXXX  who has student loans and is purchasing a home of course my debt to income will be elevated. Im a public servant. The company also used a credit score reported in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have written to this company and the previous alleged owner of this debt ( XXXX ) XXXX times and I have not received any response and/or verification of this debt. This account was previously owned by XXXX and they have now notified me that LVNV Funding has bought this EXPIRED debt. I verified with XXXX, XXXX and XXXX that this company and the previous company had not verified this debt in accordance with FDCPA section 809 A & B. No signed contract, canceled check and accountings as requested per my XXXX and XXXX letter to verify this debt was ever received. Also, please be advised the STATUTE OF LIMITATIONS for this account has expired. Also, this company allegedly purchased the debt on XX/XX/XXXX. This is NOT the date where the statute begins for an open ended account. This is an expired debt. The State of Nevada has a Statute of Limitations of XXXX ( XXXX ) years. This is an alleged debt from XX/XX/XXXX. As of this date, I still have Not received any paperwork, and/or verification of this debt from neither company the previous alleged owner : XXXX or the new company LVNV Funding , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Experian Information Solutions Inc.
State: SC
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:
I received two credit card inquiries from banks ( XXXX XXXX and XXXX XXXX XXXX XXXX that I never applied for cards from, this past Saturday the XXXX of XX/XX/2021.

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 2021-01-12
Company: EQUIFAX, INC.
State: SC
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:
I received two credit card inquiries from banks ( XXXX XXXX and XXXX XXXX XXXX XXXX that I never applied for cards from, this past Saturday the XXXX of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX, XX/XX/XXXX, and through current date XXXX XXXX, 2016 in addition to past years, I have made numerous attempts to resolve this alleged debt with Fair Collections and Outsourcing, including but not limited to contacting XXXX XXXX the compliance representative by both email and mail. I am certain that letters requesting validation were received since I have all the receipts for the certified copies with signature confirmation pick up and signed by XXXX XXXX. As of today, XXXX XXXX, 2016, FCO has failed to forward validation documents of this alleged debt. to me. 
Since I am disputing the amount of charges that Fair Collection and Outsourcing Debt Collection Company is reporting to the ( XXXX, XXXX, and XXXX ) credit bureau they are required to provide validation however they are willfully failing to comply which may violate my rights according to the FDCPA, Federal Trade Commission 15 U.S. Code 1692g section 809. Validation of debts. FCO has failed to provide adequate validation of this debt and has not responded to written request to validate this alleged debt for alleged debt account # XXXX. I requested FCO to provide to me, an itemized monthly so that I could see exactly what charges are being applied by the apartment complex in addition to my signature and social security number on documents and a signed lease agreement that proves that I had an actual move in date. 

I am attaching copies of the certified mail tracking numbers along with copies of the email correspondence as proof of your receipt of these written requests, and to repeat, to this day I have not received validation response. I have also included a copy of the only response provided which simply a statement is of counter offer to my original request and does not provide adequate proof of this alleged debt.

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 2021-01-12
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After receiving a notice from my credit monitoring company. The information states there is a new negative item reporting on my credit report. After reviewing the item, I immediately contacted the collection agency at the number provided on my credit report. I informed the collection agency I do not owe any moneys toXX/XX/XXXX. I also asked the collection agency to please provide any signed authorized documentation proving the debt is mine and the alleged final bill, which required by law, sent to consumer prior to sending debt to collections. I have not received validation of debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My daughter passed away on XXXX XXXX, 2015. She died from XXXX. She died intestate, my grandson asked me to be the estate administrator, so I hired an attorney and began the probate process in XXXX 2015. 
after her passing, I found out she had not paid her mortgage since XX/XX/2015.However, I could not take any legal actions ( list/sell the house, discuss issues with the lender ) until the court approved my letter of administration. It took over four months to get the court 's approval. I received my letter of administration in XXXX 2015. 
I listed the property with a real estate agent. She was not able to find a buyer. I recently hired a new real estate agent. he is actively marketing the property. We had XXXX open houses this week. However, interested buyers are very reluctant about entering in to a contract on a home with a scheduled foreclosure of XXXX XXXX, 2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has put an erroneous entry on my report from XXXX apartments and Fair Collections and Outsourcing. The only verification anyone has received about this entry, is verification of my name and that I lived there, which was never the dispute. I do not owe this charge. This company failed to provide me with the photographs they claimed to have showing the things I was being charged for nor did they provide me the receipts proving they paid out for these charges. No business would pay this kind of charge without confirming the alleged damage and proof of the repairs.

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 2016-09-22
Company: TIDEWATER FINANCE COMPANY, INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I recently filed a complaint against Tidewater Motor Credit /Tidewater Finance Company and in their response they stated that they would be updating our credit reports to reflect charged off beginning XX/XX/2014 and reporting as charged off going forward. However, they are still reporting as repossession and changing the balance every month and I 'm having to go to each credit bureau to have this fixed every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
yes I have tried several times to settle this mater witht the company as I was paying them insurance in case I lost my job. Instead of the company honoring their end. They are not falsely suing me

Company response to consumer: Closed with explanation