BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Resurgent Capital Services L.P.
State: NY
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:
The collection agency 's name is : LVNV FUNDING LLC XXXX XXXXXXXX XXXX I reached out to the the collection agency twice to ask for a validation letter to be mailed to me. 
Once on XX/XX/2022 and second, on XX/XX/2022. 
This debt was found on my all 3 of my credit reports. I do not acknowledge that this is a debt of my own. I have a credit card with this same credit card company in good standing!

I have disputed it with all 3 credit burros and it always comes back without verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Tradeline missing : XXXX XXXX Status : Paid, Closed/Never late. 

Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : Type : Charge Card Terms : NA Monthly Payment : {$0.00} Responsibility : XX/XX/XXXX Comment : Account closed at credit grantor 's request. 

Payment History : NA Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 

Credit Limit/Original Amount : {$300.00} High Balance : NA Recent Balance : NA Recent Payment : NA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion has responded to my complaint stating that it will take 60 days to investigate my complaint which is unacceptable. According to the Fair Credit Reporting Act, bureaus have 30 days to investigate the dispute and remove any items proven to be inaccurate, dismissed or closed. TransUnion has a duty to investigate according to the guidelines that the Fair Credit Reporting Act has instilled, not their own. It does not take 60 days to investigate something that is clear and factual. I will not except their response unless they can show me in writing their deadlines as it pertains to disputes. Once again, TransUnion has failed to obey the law. If I am forced to take legal action, this alone will work in my favor.

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 2015-06-20
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX, and its law firm XXXX ( now known as XXXX ) in 2007, filed a foreclosure complaint, verification and attachments based on false, misleading, deceptive, forged signatures of attorneys, signed by non-staff employees in the authorized practice of law ( which is a crime in Pennsylvania ) to proceed in foreclosures, including foreclosures of my properties. The bank and its law firm at the time, knowingly and intentionally authorized non-attorney staff to prepare, verify and sign the attorneys ' names without any review by a legal competent attorney at the firm. These non-attorneys signed writs of execution, false notary witness and verification of assignment of mortgage and other pertinent legal documents used to litigate the foreclosure in the courts. This deception was recently discovered and upon review of the complaint, verification, assignment and other documents, I became aware of the scheme to defraud me of my property, through an illegal and improper foreclosure. In a deposition of all the partners of the law firm, they admitted that they never prepared, reviewed, verified or signed the complaint at any time, neither at the commencement or throughout the proceeding. The law firm and XXXX XXXX are debt collector in violation of the FDCPA, various Federal and Pennsylvania statues when the illegal foreclosure was filed into the court, thereby perpetrating fraud on the court. XXXX claimed legal interest by assignment, but did not have an assignment until after a default judgment was entered. Still no proof of evidence as to the legal standing of XXXX XXXX ( debt collector ) as the debt was in default at the time of its alleged assignment of mortgage, which is questionable. Documents including the assignment has forged signature of attorneys as well. Due to this deceptive and unconscionable act, any judgment obtained illegally is void. I have attached a full complaint and other documents providing the sworn deposition and testimony of the attorneys, their admissions, documented evidence of their admissions with exhibits of forged signatures in my foreclosures, as well others filed and recorded into the Pennsylvania courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE RECENTLY NOTICED SEVERAL ACCOUNTS THAT ARE CURRENTLY BEING FURNISHED THAT ARE RESULTING FROM IDENTITY THEFT AND ARE NOT AAUTHORIZED BY THIS CONSUMER

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 2022-05-13
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 Reporting Act the companies listed below has violated my rights. 15 U.S.C 16.81 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 it also states a consumer report agency can not furnish a account without my written instructions. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX and Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # 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 2022-05-13
Company: Betterment LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bettement had locked my account due to security concerns on XX/XX/2022. I was not able to withdraw money after that. They performed an investigation and decided to close my account on XX/XX/XXXX, telling me that a check had been mailed. I emailed Betterment on XX/XX/XXXX making sure that they sent it to the correct address, and they said they did. I followed up again on XX/XX/XXXX and XX/XX/XXXX and was told that they were " looking into it '' and they will notify me when they have an update. Today is XX/XX/XXXX and I still haven't received the money I had in my Betterment account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2021 I paid my final payment to XXXX credit. They emailed me a letter congratulating me on paying off my loan XXXX XXXX. On XXXX XXXX I noticed in my experian credit report it is still being reported as open and the balance had yet to be reported since XXXX of 2021. I contacted XXXX and I was informed that they updated the account was closed on XXXX of 2021. I also called experian and was told to dispute it with my payoff letter. After disputing the results I received a notice that the information was accurate and will remain the same.

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 2016-07-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had agreed to a specific payment schedule which was outlined in my retail contract ; upon lien transfer to Chase Bank ( which I had n't even known would happen, and did n't sign any forms for authorization ), my payment schedule moved up an entire month, meaning they expected about a thousand dollars for my first payment. After providing my copy of the signed contract outlining what had been agreed upon, they completely disregarded it. I have been close to defaulting ever since, with all payments being a hair from a month late. Consequently, my credit had been impacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: U.S. BANCORP
State: IL
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:
US BANK HOME MORTGAGE Remarks Forfeit of deed in lieu of foreclosure XXXX XXXX account XXXX XXXX XXXX. 
XXXX, KY XXXX XXXX ( XXXX ) XXXX XXXX XXXX   Remarks Account closed at consumers request Account paid for less than full balance Paid charge off Fixed rate Last payment XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX USA ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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 Reporting act XXXX Account # listed below has violated my rights. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX Currently on-time 1 Missed Credit cards XXXX XXXX XXXX Currently on-time 3 Missed Other loans XXXX XXXX XXXX Currently on-time 4 Missed XXXX XXXX Currently on-time 4 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of ed/XXXXXXXX Department of education XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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 witout my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went to make a payment threw Home Depot 's automatic phone system, XX/XX/XXXX, it would not take the minimum amount it was telling me because it did n't pick up my voice. It then put me with a representative and she then told me my minimum payment was {$110.00} and if I did not pay that I would have another {$35.00} fee, after the automated system said it was {$60.00}. I then threw speaking with her found out that I have been making the minimum payments from what I 'm being told by the automated system and am getting charged a {$35.00} late fee since XX/XX/XXXX 2017 because  apparently it 's not the amount they expect from me. I was angry and hung up. I then waited untill Thursday XX/XX/XXXX when my payment is always due thinking maybe the system would then tell me the {$110.00} was due. As of XXXX it was still telling me the minimum payment was only {$60.00}, not the {$110.00} the representative told me. I spoke with another representive and after a half hour I was told that they would only refund me 1 late fee and my interest. They have charged me over {$200.00} in fees and they only wanted to refund me {$47.00} ... I did not receive any refunds. I hung up and said I would be reaching out to everyone and anyone to hopefully get the help because of what they have done to me and god knows who else. Also I want to add that I have never received any bills from them, never even thought about it because I receive everything threw my email. I told them this and they are supposed to be sending me all my bills. I hope I canget some help.

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 monetary relief
Consumer complaint received 2016-05-24
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
6 years ago i am in a loan modification with ocwen loan servicing i have the documents for the first 5 years its 1 percent second 5 years 2 percent, i am in the second year in which i should pay XXXX a month, i understand escrow goes up a little for insurance and taxes but mine went up XXXX dollars for XX/XX/XXXX, XXXX, and XX/XX/XXXX from XXXX to XXXX and now XX/XX/XXXX is XXXX what the heck is going on, you ca n't get a clear answer and they ca n't explain it now they want me to do a new modification so they can get more escrow. second they sent a letter stating i owe over a XXXX dollars in which i do n't, if you take XXXX for 3 months is XXXX and i pay XXXX for 3 months like i should that is XXXX in which is XXXX not over a XXXX dollars i talked to them several times and i get a different answer every time these people are idiots and you ca n't talk to them, i had read several complaints about ocwen loan servicing, my escrow was XXXX times XXXX is XXXX my insurance and taxes is XXXX now they want XXXX a month in which is XXXX why why why, like i said i can understand a little but not XXXX dollars i never seen a mortgage bounce from XXXX to XXXX for 3 months and back down to XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Ocwen Financial Corporation
State: NV
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ocwen is again violating the CFPB 's rules by not creating periodic payments, directly contacting a person who is represented by counsel a FDCPA violation, using deception in an attempt to get a homeowner into a new modification, not honoring the existing terms of modification, and providing a consumer false information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Several years ago I was granted a mortgage modification from Indy Mac Bank. Everything was great. Then my loan was sold to Ocwen Loan Servicing LLc . After several months they added XXXX in past due fees from the time during my modification process. When my modification came thru I needed to pay my new mortgage payment for 6 months ( I think may have been XXXX ) and then my mod would be complete no further charges or fees. How is it possible that 3 years later there are charges. Everything was rolled into the loan and I was in good standings with Indy Mac. now I have and additional fee that I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MD
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  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
WE HAVE TRIED MANY TIMES THRU A LONG PERIOD OF TIME TO SOLVE THIS ISSUE WITH THE COMPANY. 
HERE IS THE LETER WE SENT IN XXXX. 
WE RECEIVED NO ANSWER TO : Bank of America XXXX XXXX Bank of America Attn : XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX Property address : XXXX XXXX XXXX. XXXX NJ XXXX Loan Number : XXXX XX/XX/XXXX To whom it may concern, The property referenced above was originally purchased with a loan from XXXX XXXXXXXX, which was subsequently absorbed by Bank of America. Shortly thereafter, the loan changed servicers numerous times. 
In order to keep the property, we proactively filed for a loan modification with every one of the servicers during an eight year period. Due to the very high volume of foreclosures and modifications being processed as a result of the financial collapse of XXXX, none of the servicers, including Bank of America was able to make the loan current. 
Finally, in XXXX, XXXXXXXX XXXX  was able to modify this loan ; however, the terms of the modification failed to contain a fair and accurate valuation of the property, making repayment of the loan unmanageable. The loan is currently being serviced by Bank of America. 
We very much want to keep the property and fully intend to pay the mortgage, but we would like to renegotiate the terms of the loan in order to avoid foreclosure and hope that you can help make this possible. A fair and reasonable reduction of the principal and interest rate would enable us to better manage the new payments. 
I am willing and able to provide any documentation or information necessary to move the process forward and I would be happy to discuss the situation with you at your earliest convenience in order to find a solution. Please call me at any time at XXXX or send an email to XXXX. 

Thank you for your time and consideration, XXXX XXXX XXXX XXXX XXXX Below find a paragraph of the letter we received from Bank of America in XXXX for twin property number XXXX, at XXXX XXXX XXXX. 

Dear XXXX XXXX : Your mortgage is approved for a principal forgiveness modification. 
Please return the Modification Agreement no tater than XX/XX/XXXX. 
Your first modified mortgage payment is due XX/XX/XXXX. 

Thank you for completing the Trial Period.

Your Loan was modified with a loan assistance program offered by Bank of America, as part of a settlement with the Department of Justice This modification program includes a significant forgiveness of principal, and an affordable monthly payment.

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 2015-09-30
Company: Ditech Financial LLC
State: NE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home loan with XXXX and Ditech Financial, LLC is the loan servicer. I had an insurance claim on the home and Ditech is holding the insurance funds. XX/XX/XXXX I submitted and Ditech approved roofing repairs to my home. The total cost of repairs was {$8600.00}. Ditech issued half payment ( {$4300.00} ) up front. The repairs were completed and now Ditech refuses to issue the full second half payment. Ditech did issue {$1600.00} in payment. They are currently refusing to release {$2600.00} in funds currently held in escrow to pay for the roofing repairs. At the time the second payment was issued, no explanation was provided. Communication from Ditech is non-existent even though I have repeatedly advised the company to contact me by email or telephone if there is a problem with my claim. As it stands right now, I am personally liable to pay the bill for the roofing claim even though Ditech is holding {$2600.00} in funds to cover this work. Ditech has no dispute resolution procedures and refuses to allow me to speak with at supervisor or manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: MD
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  Account # 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