BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-12
Company: Selene Finance LP
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom this may concern, We are terrified that Selene Finance has engaged in unlawful foreclosure against our property. Our mortgage was transferred to Selene Finance in XX/XX/XXXX from XXXX XXXX XXXX. 

Our nightmare started on XXXX XXXX, XXXX, when we had a house fire. We tried contacting Selene to notify them of the fire because the homeowner 's insurance was escrowed in our mo. payment and we needed to notify the insurance co. of the fire & damage that had occurred. After several days, Selene told us that an insurance adjuster would be coming out between XXXX-XXXX on a particular date but no one ever showed. 

Soon after that, one day, after arriving home, there were XXXX trucks parked in the yard at our house. After some questioning, the XXXX gentlemen finally told us that they had purchased the home at auction on XXXX XXXX, XXXX. How is this possible, we were n't even behind on any mortgage payments? We were never notified of any foreclosure or auction. 

Several days after that, we came home to find a large part of our belongings in the yard and they had pulled our vintage jaguar out of the garage and were attempting to sell it to a junk dealer. The supposed new owners were there and told us we had been evicted ; we never received any eviction paperwork from the courthouse or anyone else. 

After doing research on the internet, it appears what we 're going through is commonplace with Selene 's fraudulent, predatory and gross mishandling of servicing mortgages with countless complaints of malfeasance occurring time & time again regarding servicing and unlawful foreclosure of mortgages all over the country. According to the : XXXX ( XXXX Complaints ) ; Yelp ( Numerous Complaints ) ; XXXX Consumer ( XXXX complaints ) and numerous complaints on : XXXX XXXX, XXXX XXXX, XXXX, etc. ; all with similar claims of gross mishandling of servicing mortgages. 

Why has n't some government entity intervened in this continuous pattern of unscrupulous business practices? Ours is obviously not an isolated case so when there is so much government regulation on seemingly everything else, I 'm having a hard time understanding how the FTC, Attorney General 's Office or The State of Texas is allowing this to be problematic time after time. 

The Wall St. Reform & Consumer Protection Act. was written in XX/XX/XXXX to help consumers & homeowners that were being unfairly mistreated by their mortgage servicers. 

Violation of The Real Estate Settlement Procedures Act ( Regulation X ), Federal Trade Commission Act ( FTC Act ) Section 5 : Unfair or Deceptive Acts or Practices & UDAAP - Unfair, Deceptive, or Abusive Acts or Practices Selene Finance 's egregious acts of noncompliance with federal laws have caused us much stress, anxiety and uncertainty if we have or still will have a home. 

Please Help!!!!! 
XXXX & XXXX XXXX, XXXX, TN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 there were three fraudulent charges made on my XXXX account. The amounts were XXXX AUD, XXXX AUD, and XXXX AUD. The merchant was : XXXX XXXX XXXX XXXX And the charge says XXXX Ride Payment for all XXXX. I immediately reported these charges as fraudulent activity and they came back and said they were accurate charges. HOW??? I don't even live in XXXX. I am not completely locked out of my XXXX account so XXXX cant even log in to screenshot the original dispute. And Now Jefferson Capital Systems LLC is trying to collect this money from me, claiming it is my debt!! No it is not. It was fraud and I reported it as so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XX/XX/XXXX I called Navient to find out why I was receiving a statement and what I could do to lower my payment even though I should not be in payback status right now ( I filed a previous claim with CFPB in XXXX and then disputed Navients false dates of school enrollment and forbearance period and deferment period on XX/XX/XXXX ). As a result of this call the customer service agent said I used all of my time I was upset because I knew I had not used that time and I should not have been in repayment. She apologized and offered to reduce the payment and said it will not be effective in time for the payment due in a few days. She never told me to contact the financial assistance department for options on reducing or setting up arrangements all she said was I was able to lower your payment from almost {$400.00} to {$250.00}. It was not until months later that I learned she placed me in an interest only plan with no payment going to the principal. I did not ask for that, I did not agree to that, and nor would I have agreed to those terms. I work in accounting and finance I understand how interest only payments work! This blanket intentional assigning of clients to payment plans they did not agree to, deferments they did not request, not properly informing clients of other repayment options, and making it difficult to repay is downright wrong and scrupulous. XXXX the Navient XXXX XXXX never returned my call once he saw and confirmed that the dates of enrollment were incorrect on their end in addition to confirming that in XXXX ( after XXXX XXXX created Navient XXXX placed me in a blanket deferment status and should not have done so. He was supposed to be working on finding out if they were going to restore the entire year that was lost after I forwarded from the school my official enrollment dates. I called and called and he never called back and never confirmed that he or his office ever received the official enrollment transaction in order to restore the erroneous lost time. I am completely disgusted with XXXX XXXX and Navient for not taking ownership of the mishandling of these accounts prior to XXXX XXXX creating Navient right on down to Navients current deceitful practices and operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
transunion is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only  have one n umber that is legit and that is  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I paid a medical debt collection in full to Capital Accounts LLC in the amount of {$170.00}, I was told verbally and I also got a letter from Capital Accounts LLC stating that my balance was now XXXX and paid in full and also that they would be sending the same letter they sent to me to the collection agency to have the collection expunged off of my credit report. XX/XX/XXXX I seen that the company was still reporting that I had a balance so I called them to see what was going on they told me they report on the first of every month and that its the credit bureau thats not updating the account so I called XXXX  and was told the only time they received an update from the company was XX/XX/XXXX It is now XXXX  90 days later and Capital Accounts LLC is still reporting the {$170.00} balance I have reached out to them a few more times and I am still getting the same answer but on my credit report it shows the last time they reported is XX/XX/XXXX and they have also emailed me the same XXXX balance expungement letter 3 times. I just really need guidance on how this situation can be resolved.

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 non-monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: AR
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Weltman Weinberg Reis collection agency bought my debt at a discount from XXXX XXXX. My credit report states the balance on the student loan the day it was closed is {$3400.00}. XXXX  is trying to collect {$4900.00}. Under the law, collection agencies are not permitted to collect interest or late charges that may have incurred on the account before it was sold to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to XXXX   and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. 

On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to Experian and XXXX  and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. Transunion did reflect some updates but not all.

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 2017-01-12
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I enrolled at XXXX here in XXXX, TN back in XX/XX/XXXX. Moved into my dorm the same month. I applied for financial aid and it was awarded to me. I never received a schedule, nor books. My financial aid advisor later informed me that I would have to withdraw or take out an additional loan, because I did not have enough money to cover my cost. I ended up withdrawing I think in XX/XX/XXXX. Till this day XX/XX/XXXX, I 'm still struggling to pay a loan for a school I never attended. Due to my age my mom an I went to the school and spoke with The President, and he promised to get back with us, and we never heard back from him. We were told that the financial aid advisor had been fired because she was stealing the money, and nothing on my end could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a bankruptcy on my credit file. I wro te the BK c ourt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX ,  XXXX , Equifa x &   XXXX  they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unnamed  3rd party, co uld easily be considered false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In a previous compliant, Navient stated I did not attempt to return their calls from XXXX XXXX and XXXX, 2016, to discuss my account regarding retracting negative information in my credit reports. This statement is inaccurate. 
I did return XXXX XXXX XXXX 's calls on XXXX, XXXX, XXXX, XXXX and XXXX, 2016. I was unsuccessful in speaking XXXX XXXX, but I need speak with their representatives, XXXX, XXXX, XXXX, and XXXX, respectively, in an attempt to contact her so that I could speak with her. I still was unable to speak with XXXX XXXX, and she did not return my phone calls after XXXX XXXX, 2016. However, instead of speaking with me, personally, she relayed messages through representatives XXXX, on XXXX XXXX, who told me she was researching my case and will return my call. She never returned my call. XXXX, on XXXX XXXX, stated, she stated the negative information was retracted and will be sent to credit bureas. On XXXX XXXX, 2016, XXXX stated that it had to be sent to thr credit department for approval, but it will be retracted. 
I was given misinformation and my attempts to contact XXXX XXXX XXXX ignored. I was never given the opportunity to discuss my account in more detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount they are attempting to collect is the wrong amount and the debt doesn't belong to me. My name is XXXX XXXX XXXX and the the bill is in the name of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: Kansas Counselors, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Debt is not valid. At time of services we had 100 % coverage for medical. I called the office and they admitted to filing under wrong XXXX and stated they would confirm with XXXX and remove the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. Please look into my credit report becasue there are accounts that i have informed the bureaus that are tagged wrongly or are not updated even if i have informed them about this but they took no action so I am making this complaint.

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 2022-07-13
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I am a victim of identity theft an I have submitted documents several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Have been repeatedly harassed at job and also have disclosed debt is owed to coworkers who have account also with debt collector. Name of company is Atlas Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Elevate Recoveries, LLC
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:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: DISCOVER BANK
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Remaining Negative Accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DISCOVERBANK Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Chase has reported to credit reporting agencies that the business credit account with them was " charged off '' while the card were paid as agreed and Chase refuses to recognize that they were not able to accept payments remitted because it was illegal to so do after the credit bureaus INCORRECTLY reported a bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing bought my loan from Litton Loan and since then, I have had nothing but problems from this servicing company. On many occasions I was told the wrong amount due, had my payments sent back to me, some payments were applied to principal rather than the monthly payment due and my escrow account always stayed in the negative, even though escrow was included in my payments to them. I had payments held in suspense at times and unjustified added fees, with overall poor payment processing of my accounts. When I would call customer service, I was always given someone in XXXX to help me. I never received any answers to my questions or complaints, for the representative seemed to be reading only by a script. 
Now, I have yet another problem with Ocwen. They are reporting to the XXXX credit bureaus excessive late payments ranging from XXXX and reporting the XXXX mortgage with a charge off on XXXX bureau and a collection on the other XXXX bureaus. There was never a CO in XX/XX/XXXX as they are stating.These mortgages were paid in full and I find their reporting to be severely inaccurate in every stage of the mortgaging process!! I can provide my attorney 's information, if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint relates to unresolved complaint # XXXX. 
The response submitted to me by Ocwen is not responsive. After spending approximately two hours on the phone with the Ocwen Ombudsman person assigned to my case, her response is still the same as when I filed the initial complaint. Her response still concludes that I am behind XXXX payment, which is precisely what my loan status was at that time. Despite confirming with her that every payment required by Ocwen of me - that being the regular principal and interest payments and repayment of outstanding escrow balance amounts - have been paid by me. The principal and interest payments due each month have been paid by me on time in the month due. The payments to repay escrow balances were fully paid by me once I became aware of the outstanding balance. There has been no outstanding escrow balance since XXXX XXXX, XXXX. 

After two hours spent, there was no dispute about this with her. 

I received a XXXX page response letter detailing Ocwen 's servicing procedures and accounting rules, which I do not care about. She concludes I am still delinquent by one month as of the date of her letter dated XXXX XXXX, XXXX. 

This simply can not be the case. I still need CFPB help.

Company response to consumer: Closed with explanation