BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I signed up via e-mail to perform an evaluation survey dealing with the transfer of funds via Moneygram to an XXXX XXXX located in XXXX. I received a check for {$2200.00} from a company titled XXXX XXXX XXXX located in XXXX via USPS Priority Mail express. I would take out my compensation of {$300.00} and {$50.00} for gas and transfer the remaining amount XXXX {$1900.00} XXXX less a {$50.00} MoneyGram fee XXXX MoneyGram total of {$1800.00} XXXX to XXXX XXXX. I cashed the check at my local XXXX Bank and did as advised. Subsequently, in a letter from XXXX Bank, dated XXXX XXXX, 2015 I was advised that the check that I cashed was " altered/fictitious '' and my account was going to be charged for the bad check. The check was a fraudulent check. Additionally I have filed a complaint with the XXXX Postal Inspectors Division and the Federal Trade Commission reference # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Receivables Management Partners, LLC
State: CA
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:
A few months ago I sent the company a request for validation to provide me with documents from the original creditor to validate a seemingly dubious debt they had reported on my credit report. The company responded back stating they are not liable to provide me with documents from the original creditor and merely sent me a letter asking them to payoff the account ( see attached response from company ). This is a violation of the FDCPA, since it is apparent that no such debt is due, otherwise they could have provided me with the validation documents I requested..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several accounts on my credit profile that are fraudulent and I have reached out to the credit bureaus numerous times regarding these accounts

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 2016-05-18
Company: TAMMAC HOLDINGS CORP
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Representation of Tammac Holdings Company made contact with the mortgage holder, XXXX XXXX XXXX, XXXX. A statement made for representation of XXXX XXXX. 
Did contain information representation would send information to this XXXX XXXX XXXX XXXX, Ohio XXXX To award the mortgage holder a right to inspect documentation.Give an opportunity to this lender.To show a legal right to maintain information was correct for advancement of land, purchased for an increase in an estate.Would entitle the mortgage holder an opportunity to review this claim.And address the situation for my daughter to consider these options.Has indicated, currently, these papers were not forwarded to allow an inspection.Reveal it necessary to forward funds to this Corportation.Give the company an opportunity to increase a wealth with these finances.A reasonable amount of time has provided the Corportation.Time to forward these papers and assure the mail delivery of these items.Would provide a reason to finance an estate.To increase the wealth of my daughter for her benefit as an American.Please address this Corportation.And refer to a legal schedule for confirmation about the process of lending money for property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Interested in buying my car through XXXX when I put my ad. Immediately he sends me check XXXX dollars in 2 days, I deposited the check to my bank account from company XXXX XXXX XXXX now assuming its fake one and wo n't get cleared. The next day he calls me to transfer XXXX dollar, I send through MoneyGram service for some movers in Florida location as though he is moving to nearby location I send them XXXX including fees to someone name XXXX XXXX in Florida. Again the next day calls me saying sorry could not buy my car since he already got one from mother in law with cheaper price and asking me again to transfer remaining amount to different location for about XXXX dollars this time I found out he is kind of guy and fraudulent I stop replying to his messages on XXXX ( XXXX ) XXXX or sending emails he keep contacting from unknown numbers. Any help /support would be appreciated to get my money back which I paid through MoneyGram XXXX for XXXX dollars I have receipt of the payment I did and other details please take action and resolve the matter and also moreover bring these people to justice ripping the consumers online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Home Loan Center, 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:
Lending Tree, a fraudulent company runs credit reports on individuals without their knowledge. This has been happening a lot lately to me and Lending Tree is the main culprit. I guess they are the hub for other lenders. However, numerous institutions are showing up on my credit report for which I have not applied for a loan or anything else. 
This happened just recently about 2 weeks ago. I have tried to contact Lending Tree ; I called them numerous times ( XXXX ) XXXX and waited on the phone for over an hour. Each time the call would drop and was never able to reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had repeated issues with my loan servicing company/escrow account. They have, on multiple occasions, paid, duplicate or incorrect amounts and even after requesting a XXXX speaking representative, I get people who do n't understand me when I work for resolution. 
They wanted {$500.00} to cancel my escrow and I refused to pay it. After fighting with them for over a year, they finally cancelled my escrow account. Now they are claiming to have paid my taxes, after the closure, and want me to reimburse them. I paid my taxes. My local tax authority refunded OCWEN ; and believes they may have incorrectly applied the funds to another account. Every time they send one of these demand letters, I request an audit. They do an audit and request more money for something else. Only ever giving me their printout of what they claim they did/did n't receive, did/did n't pay. I believe that when I become exhausted and write them a check, it encourages them to do it again. 
Now, they are demanding my tax receipt. I 'm looking for it ... had it for income taxes and have misplaced it when re-filing them. They also did n't send me any statement for taxes paid when they sent my interest statment. Anyway, I asked them for their receipt, they just send me a printout of their accounting. I can make a printout on the computer the same as them. 
I have gone through grief for several years between my tax persons prosecution for embezzlement and OCWEN 's incompetent servicing of my mortgage. I need to know how to compel them to get an objective third party to go through my mortgage history and do a legitmate audit. I do n't trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The state of California file a hold order on my account there was only XXXX in there and bank charged me a {$120.00} fee which is crazy that there charging without full disclosure when I opened the account.

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 2021-09-16
Company: Experian Information Solutions Inc.
State: CA
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:
MY NAME IS XXXX XXXX AND I'VE BEEN TRYING TO GET INCORRECT LATE PAYMENTS REMOVED OFF OF MY CREDIT REPORT THAT ARE AFFECTING MY CREDIT PROFILE AND STOPPING ME FROM BEING ABLE TO PURCHASE A NEW HOME FOR MY FAMILY. I'VE REACHED OUT TO THE CREDIT BUREAUS BUT HAVE NOT BEEN ABLE TO GET THIS SITUATION HANDLED.

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 2017-02-06
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in Chapter XXXX bankruptcy. I have been making payments to the trustee 's office for my mortgage payments since XX/XX/XXXX. However, Ocwen servicing loan ( Mortgage lender ) never filed a proof of claim. I had to incur an additional expense to pay bankruptcy lawyer to file proof of claim on my behalf. I am attempting to get my XXXX Tax Forms and was told I wo n't be receiving one because the there were no payments made XX/XX/XXXX. The trustee was holding onto the money to allow Ocwen time to file claim. My attorney file claim on my behalf after an additional fee on XX/XX/XXXX. Payment of {$16000.00} + was made to Ocwen however, they state they did not receive payment until XX/XX/XXXX and therefore I will not receive a XXXX for XX/XX/XXXX. Did I mention Ocwen file a {$400.00} claim, which is to be paid through my bankruptcy plan as fees they are recouping/charging to " review '' my bankruptcy plan which in turns increases my bankruptcy payment amount?, Ocwen Rep who answered the phone apologized and I am receiving nothing in return for their mistake for not filing claim in a timely manner as well as no taxes. Only an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the companies and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: CO
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 have submitted multiple disputes and complaints, this company just lies and continues to report false, erroneous and inaccurate information on my credit report. This is damaging to my credit and preventing me from obtaining more credit. I need this negative account removed immediately.

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 2016-11-14
Company: Ocwen Financial Corporation
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a Town Home in Hawaii and my ex-husband and I rented it out when we left Hawaii in XX/XX/XXXX to go overseas to work in XXXX on a XXXX. The earthquake that occurred XX/XX/XXXX in XXXX was unexpected and put our family under hardship and we had to leave XXXX un-expectantly and are now living overseas. As a result, we have been struggling to make payments as the family hardship with the evacuation from XXXX 's natural disaster took its toll on us financially. 
We have been working with the lender over the years to attempt to do a short sale and have had an attorney assisting us. However, the bank has always declined our offers. We have recently received XXXX offers on the townhome ; one cash offer and need a response from the lender. The lender 's legal representative XXXX XXXX XXXX XXXX XXXX XXXX was asked by my attorney to provide feedback and official pay off amount, so we can progress with a sale. Based on the offers we have in hand, I do not believe the bank will lose any money, but I can not be certain without information from them. The request for information was asked for on XX/XX/XXXX and we were assured we would have a response within four days. It has now been over a month and we still have not received anything. I have called them personally as well as my attorney and no one is getting back to us with information. We are going to lose these buyers and I have been notified today XX/XX/XXXX that the cash offer has withdrawal, so we have lost our guaranteed sale. 
It is my understanding that the loan is held by OCWEN. I am looking for timely responses from both OCWEN and their legal representation, so we can get this townhome sold and these accounts settled. 
We are feeling that they are treating us unfairly and we have now lost a very good opportunity to recover some of our financial results of our hardship. At the end of the day, we are trying to do the right thing and six weeks of silence is unprofessional, unfair and a little confusing, which leads me to believe it is a deliberate action by OCWEN and their legal representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen services my loan, They are NOT the lender, They just service loans ( collect payments and pass on to lender ). I asked for the name of my lender but they have NOT provided that information. In fact, every email I have sent since original phone call comes back as non deliverable.Ther si no other way to contact them except by phone and that has not worked, They are currently under investigation by XXXX state regulators for irregular servicing activities, They have a horrible track record and their CEO was forced out. All I want is the name of my lender!! Ocwen loan # XXXX

Company response to consumer: Closed
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: DC
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Short sell of XXXX XXXX XXXX XXXX was approved by Ocwen and home listed as instructed on XXXX. Ocwen even argued the point they preapproved me after sending approval to my old adress. I followed all instructions after multiple requests for more and more paperwork to comply with their short sell policy. 

Then, they put the brakes on things AGAIN to try to get bids from unqualified buyers using XXXX ( no call or notice to my agent ) rather a straight denial letter and ignore a cash offer!!!!!!. They want to list the home XXXX AND NEVER mentioned this as a requirement, EVER!!! My agent presented a cash offer with validated funds, CASH!!! The buyer is ready to walk away from this deal due to these delays. If my home is foreclosed due to this delay, I request monetary damages for letting all my MONTHS of efforts go to waste and my credit destroying willfully. There is simply no excuse for the sixth delay, more surprises, and a clear attempt to make this situation as difficult as possible so they can foreclose instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I used the MoneyGram mobile app to send some money internationally. Within an hour of sending the transfer, the recipient received a XXXX call from a company named XXXX stating that they worked on behalf of MoneyGram, and they had all the information pertinent to the transfer, including all my personal information and banking information. They stated they only needed her information to verify the transaction. She declined and immediately let me know. Next morning when i woke up to call MoneyGram to complain, I noticed I had a couple fraudulent transactions on my account for a couple grand. I followed the appropriate channels to let my bank and MoneyGram know of the situation. MoneyGram stated there was no one with that company name that worked for them, but somehow those people had access to all the information from the money transfer and all my banking information, so theres either a huge flaw/ security exploitation within the app or theres people within the corporation getting unauthorized access to peoples information and using that malignantly. Either way, its a huge deal. And this is sure to be affecting many other people and its a dire issue that needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I paid producer XXXX XXXX for music production service through Venmo, in the amount of {$1500.00} ( {$1000.00} for producing, {$500.00} for mixing and mastering ). However, due to contract breach, the mixing and mastering service were terminated and {$500.00} refund was expected. Due to the disappearance and unreachable of the producer, I'm requesting a refund through Venmo. However, Venmo stated it was a transfer between friends rather than a merchant service and refused to provide a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have had an American Express ( AMEX ) credit card since 1979 and have been happy with the service until my recent change to a new AMEX card that offered 'no interest for 15 months on balance transfers '. I was not told during my telephone application for this card that there is a THREE PERCENT CHARGE ON BALANCE TRANSFERS. XXXX notwithstanding, I believe that it was deceptive to offer me a " no interest '' balance transfer and fail to mention the three percent service charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: R.M. Galicia, Inc.
State: CA
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:
I was XXXX all of XXXX and I have a collection account from Progressive management system for a gas bill that i do not own. I never had services with XXXX because I was homeless from XXXX until I was locked up in XXXX. I tried explain this to them but they said that I would be sued if I did n't pay and I would have to go back to jail. I offered to fax over proof that I was in jail during the time they service but Progressive said it did n't matter I would go to jail if I did n't pay. they have continued to report the fraudulent debt on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Bank checks issued payable to Department of Education to fully pay off my parent loans with Great Lakes. 

XX/XX/XXXX- U.S . Postal Tracking confirmation that the checks were received by the Department Of Education ( XXXX.XXXX XXXX, XXXX, GA XXXX ). 
XXXX Both checks were cashed on this date. 

TO THIS DATEXX/XX/XXXX my account has not been updated with the payoff payments I have made. 

Been speaking with XXXX, supervisor at Great Lakes and she advised me that the checks were sent to XXXX in error. 

How did that happen if the Payoff Statements downloaded from Great Lakes website were attached with the checks mailed. 

The checks were issued to the Department of Education and referenced to Great Lakes. 

How long will it take Great Lakes to rectify the situation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The 3 credit Bureaus are reporting a 30 day late for XXXX XXXX for the month of XXXX. XXXX XXXX has confirmed they never reported the account late.

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