BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-22
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
To whom it may concern, This is a complaint against not only ocwen llc, but, also goldman sachs, for fraulant activity, dealing with my mortgage that originated with XXXX, apparently Ocwen, went to XXXX XXXX to invest in my property and they did as of XXXX/XXXX/XXXX. My loan with deuache Bank was paid off, Ocwen never gave me my satisfaction of mortgage, so I went to city hall and they informed me that my account had been updated as od XX/XX/XXXX,. On XXXX XXXX XXXX, one day before forclosure which I was not informed of, I was called by someone in the research esclations deptment telling me not to worry about the forclosure that my house is in the satisfaction of mortgage dept, well low and behold my home was sold on XXXX XXXX XXXX, even after the sherriff had told the law firm it was a fraudulent sale, 30 minutes later they had bought my home. Now I have been fighting to keep my home filing motions and being denied, I do not know if I could appeal it now I 've been sick, and my sister in law passed, But, I will go do that on XXXX/XXXX/XXXX. Now I have called Ocwen research XXXX/XXXX/XXXX, and they are again telling me it 's being investigated. I also called XXXX sachs reguarding their investment on my home and they toldme they ca not discuss this with me, but, he will be getting intouch with Ocwen, to see what is going on. Apparently, Ocwen, was servicing both of these investments, I have called XXXX and spoke to a vice president, who claims although he had everything stating my loan was satisfied in XXXX he could not put anything in writing. I do n't understand how people could sleep at night knowing they owe you what is yours. Now I have Ocwen 's eviction lawyer XXXX XXXX, phone number XXXX XXXX, she too has that it is paid off and she told me there going through with the eviction, Please help me, My home is mine, and no judge will go against another, they wont even look at my evidence, this is a violation of my rights. I need your help ASAP, Please I have XXXX daughter 's and a granddaughter in my home with me. Ocwen 's reo is coming to my home at night and flashing a flash light in my front window, that 's trespassing. I do n't know what to do, I have no money it has all gone on saving my home, Please Help Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On  XXXX    XXXX ,2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca  XXXX   XXXX  had had inputted an inquiry on my credit report without my consent or knowledge.

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 2022-11-11
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I attempted to make a payment with Synchrony Bank. They failed to process the payment and rolled the account to XXXX. Now I have XXXX delinquencies listed on that account and neither Synchrony nor XXXX will take responsibility. I asked both to close the account and they failed to do so. This month AGAIN I was charged a fee despite mye previous efforts to close the account. PLEASE HELP. I can not have this effecting my XXXX XXXX. It is illegal.

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 2021-07-26
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/21 I received a conditional approval for my refinance. I provided all requested information on my part timely. I signed a waiver that an appraisal was not needed and then 4 months into the process I was told one was needed. 4 1-2 months into the process my credit report had to be run again since the mortgage company took so long. Mortgage company then said they needed additional information from my husbands employer this was provided timely and then three weeks later after being told via email it was ent to underwriting it was not. Now I am being asked for a certificate of engineering which as far as I k is I do not have. I have spent countless hours in the phone and via emails with Newrez without response from anyone for weeks at a time. I have asked supervisors to call me and they do not. It has been 6 months and my refinance is not closed. This is my current mortgage company I am trying to refinance with. I have excellent credit and have always paid my mortgage on time. If requested I will provide the 80+ emails I have sent and received from Newrez

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: DISCOVER BANK
State: NV
Product: Credit card
Issue: Advertising and marketing

Complaint:
We are receiving XXXX - XXXX calls a day ( XXXX XXXX XXXX ) asking us to call Discovery - Discover card with NO explanation whatsoever We have complained to Discover Card TO NO AVAIL, calls persist every day. 
In our XXXX, XXXX continues at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX XXXX XXXX XXXX advertises 12 months interest free financing. They Use TDbank to underwrite and make the loans. they demonstrate a payment based on a loan amount. When you apply for the loan they don't ask you how much you need to qualify for and then approve you for a small amount. The creditor then advises they don't offer loan above 5 thousand dollars and increases are not allowed. Its misleading. If they only offer loans up to a certain amount then they should cap it there on the site and advise as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech processed my mortgage payment on XXXX. My automatic-payment agreement clearly says that the money is not to come out until XX/XX/XXXX. That was the date I chose. This is the second time they have done this, and I did file a complaint. But Ditech said they did nothing wrong. I wish to mail a copy of my overdrawn alert from the first time and a copy of my online banking statement and a copy of the auto-payment agreement, so you can clearly see they have done this again. What good is an agreement where I have chosen the date for withdrawal if they randomly take out money from my account. The first time they did this I was over-drawn {$1900.00} and could n't pay for groceries. This time I was shopping for a new washer and dryer and all I had left in my account after they put a hold on the money was {$400.00}. Their agreement clearly states that the money will come out on XX/XX/XXXX and if XX/XX/XXXX falls on a holiday then it will be the next business day. I have the money in my savings and I transfer it over on XX/XX/XXXX to be ready.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company ( XXXX ) that referred the debt to collection performed the service after I had cancelled, and I do not owe this debt. I had to contact XXXX multiple times when they continued to bill me and it took several calls before they closed my account. They continued to bill me after the account was closed. On the final call I was told by XXXX that I would not be responsible for the debt. I disputed the debt verbally with the collection agency. I did not receive any documentation within the 30 day timeframe yet they are continuing to attempt to collect the 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 2017-03-01
Company: ERC
State: GA
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:
Several years ago XXXX bought out XXXX XXXX co. I paid my final bill off with them. XXXX takes over and my bill goes up but I pay them faithfully for past several years.Well my credit score dropped XXXX points in the last 2 days. I go online to find out an credit collection agency ERC has posted a unpaid debt of XXXX with all credit reporting agencies. When I called them about this they said it was XXXX, filed this against me and they did n't know what it was for. 
I went to XXXX and they said it must have been an old bill, when I requested them to give me proof of this they had none. I paid those folks off before XXXX took over. But what 's worse is they sent me a bill marked XX/XX/2017 which clearly states I had 30 days to dispute this charge today is XX/XX/2017. And they already reported this to all the credit reporting agencies. I am livid about this I tried very hard for the past 10 years not to have any negative credit issues and there about to do this as easy as taking candy from a baby. My complaint is ERC and XXXX. Why can they exhort consumers and get away with it. Something needs to be done about them, they do n't even have to prove anything. If I brought a case against them claiming they owed me I would have to prove it! 
Why do n't they have to? Why are they allowed to ruin someone 's credit? It took me 10 years to build it up!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-24
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ally Auto Financial. My name is XXXX and I have a loan with this bank since the spring of 2014. I have paid my car without no late payments and recently they have elevated my interest rate when I sign up for a fix rate loan. I remember the original contrac stated that my amount was about {$360.00} and I always paid {$400.00} or more. I have ask them for the original contract and they keep on calling me. Just now on xmas eve calling me. I remember changing my payment date to every 30 of every month and I recently send a payment of {$260.00} and when I get pay this friday I will send a second payment before the end of the month please ask them to send me the original contact for XXXX XXXX and my ss # *********** I did a name change and my formal name was XXXX when I purchase the car. I need to see also a history of all my payments. Help me they call me every day even on weekends. I am closed to pay the loan and I have about two years left and now this company coming up with new charges

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 2016-03-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted info to the credit reports and the info is still there

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 2022-11-11
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
While in college, I signed a rental agreement for a property from XXXX XXXX XXXX, XXXX from Fall XXXX until Summer XXXX, then resigned a contract from Fall of XXXX until Summer XXXX. Although some of the people I rented with stayed in the house, I no longer was on the contract for the school year of XXXX. On XX/XX/XXXX, I received a notice from Hunter Warfield claiming I owed {$5800.00}, from XXXX XXXX XXXX, XXXX. The notice said the debt originated on XX/XX/XXXX, although I had not been notified prior of this amount due. The notice said I could dispute the claim by calling or writing by XX/XX/XXXX. After many failed attempts to call the collection agency, I wrote a letter on XX/XX/XXXX, asking the debt collections agency to work in accordance with the Fair Credit Act, The Fair Credit Billing Act, and The Fair Debt Collection Practice Act to provide all documented proof from the XXXX XXXX XXXX, XXXX which includes the signed agreement, along with all charges made and all payments, that says I owe the amount to the XXXX XXXX XXXX, XXXX, all accounting records of this account, a copy of the signed contract and signed truth lending contract I signed with the XXXX XXXX XXXX, XXXX, and copies of all orders made with this company. If these could not be verified, I asked that all debts be removed from my account. I also included an address and email the company could reach me at moving forward. After months of no contact, I received notice from XXXX XXXX that this debt was now on my credit report as of XX/XX/XXXX. I once again disputed this claim through XXXX XXXX with no prevail. On XX/XX/XXXX, I reached out to XXXX XXXX XXXX, XXXX, to get more clarification of this debt ; they refused to have any contact and referred me to the collection agency of Hunter Warfield. When I reached out to Hunter Warfield on that same day, I reiterated my request for debt validation as I had moved out in XXXX and did not have a running contract with XXXX XXXX XXXX, XXXX when the debt originated in XXXX. As of today, I still have not received a verification of this debt and am still receiving reports of it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: FIRST HERITAGE CREDIT LLC
State: TN
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 already had a complaint filed with you against them they contacted me and it seemed as if they had corrected the situation however upon the recent check of my credit report they have not- I have unemployment insurance on this one I notified the company of my financial problems prior to the loss of my income on XX/XX/XXXX and then at that same time provided them with the correct documentation for which to process my unemployment insurance claim. I am still unemployed and the governors office is working with me to file a claim for XXXX which they have already submitted for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
About XX/XX/2016, my wife called USAA to get information on our home owners insurance. She was told that she had to have a USAA credit card number for her to get that information. Neither of us have a credit card with USAA. She stated that we do not have a USAA credit card. The CSR told her that she could n't help her and to call back with a card #. To that my wife said " We do n't have a card so what will calling back do? '' CSR again said she could not help. Several weeks later we received in the mail ( Approximately end of XXXX ) we received XXXX separate mailings with credit cards from USAA, which we did not request. We shredded and did not activate the cards ( XXXX total cards, XXXX for me and XXXX for my wife ). We do not feel this practice of requiring a credit card to get information about an insurance account is legal and we do not want this practice to continue. This reminds me of what XXXX just got in trouble for opening accounts for people without their authorization. It also seems like they are tying their cards as a requirement to their insurance policies. Both things I believe are illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CONDOR CAPITAL CORP
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My wife bought a car at XXXX.they got her financed through condor capitol.they have taken payments sometimes twice a month .the when you try to get them to put it back in her account its a hassle.we have paid bank fees numerous to Times.payments were may that were not credited to her account.they closed her online account so she ca n't view it to see if payments are coming off balance.they say they did it because her car is almost paid off.they wo n't give her a XXXX. Schedule refuse.well she has paid XXXX so far.the other day they came and took our car, XXXX 's payment was n't received they say.we sent copy of check to them by e mail and fax.our bank did also, it was stamped by their bank a week before they stole our car.they said that we had five days to get mess straightened up or they were selling our car.they said it could take up to 48 hours to receive fax from our bank.on day three they say they found payment and even though it was their mistake, they need payoff plus repo fees or they 're selling our car in five days.I 'm losing my job because I use it for work XXXX.please help

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 2022-11-11
Company: Paypal Holdings, Inc
State: CA
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:
Venmo. I had a negative balance last 6months now of XXXX 
Representative advised when balance, brought back to XXXX balance, I, may resume business transactions.!

Not the case. Already has held my money 28hrs now L

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I contacted XXXX a few months ago regarding a XXXX XXXX XXXX card that was opened by my ex-husband using my information. The account was opened while he was XXXX and I was XXXX. XXXX closed the account since it was opened without my authorization. XXXX noted that I had not activated a single card for this account and I was not aware of this account since I had never received a card in the mail. My ex-husband had access to my personal information from previous income tax returns that were filed. I did not authorize my information to be used for this account in writing, online, or over the phone. I have submitted a notarized identity theft affidavit to XXXX and all XXXX credit bureaus, but have not received any resolution nor has my name/information been removed from this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21
Company: Aldridge Pite, LLP
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
RE : previous complaint # XXXX 1. This Complaint is filed pursuant to XXXX - Unfair Practices, and is directed specifically at non-compliance by Alridge Pite, LLP. and XXXX XXXX XXXX XXXX hereafter XXXX XXXX 

2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to Alridge Pite, LLP. and XXXX XXXX on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, Alridge Pite, LLP. and XXXX XXXX failed to immediately stop all collection actions as required by FDCPA statute. 

3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by Alridge Pite, LLP. at the request of XXXX XXXX See EXHIBIT-A. 

4. Please be advised that Alridge Pite, LLP. and XXXX XXXX is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 

5. Alridge Pite, LLP. and XXXX after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 

6. Alridge Pite, LLP. and XXXX, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX XXXX Mail to take action that can not legally be taken. 

Conculsion I now ask this agency to issue an administrative DEMAND, compelling XXXX XXXX and Alridge Pite, LLP to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation