BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had an original sheriff sale ( Ocwen Loan Servicing ) date of   X/XX/16   and the notice was published on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XX/XX/XXXX ,   XXXX   &  XX/XX/XXXX . We had the property ( in the family for   XXXX   years ) listed for sale despite not wanting to at the end of   XXXX   XXXX   . I  called the local attorneys office   XXXX   XXXX   XXXX   XXXX   on  X/XX/16  asking the price it sold for and who purchased it and left a message. I did n't hear back so I called again on   X/XX/16    and spoke wi thh    XXXX   XXXX   and he stated it was pulled from the sheriff sale because " they did n't serve us '' which they are required by law to do. Since this was published we had to lower our asking price by $  XXXX  because people knew it was going to auction. It is still currently on the market.
My husband has had unfortunate health issues over the last few years being in and out of work. He   XXXX   his   XXXX   over  XXXX  weekend in  XXXX  and was unable to work until earlier this year.  He was in a    XXXX     for  8 mon ths for 23 hours a day with no income. He was denied  XXXX  twice. It is now under a second appeal with an attorney we had to hire to hopefully get some back-pay.
I tried to work with Ocwen for a modification, unemployment forbearance or anything to help save our property but to no avail. They have applied so many fees that we 've lost track. I do not believe Ocwen 's " Helping Homeowners is what we do '' motto because they do n't help homeowners. They drain them financially and emotionally by giving false hope and then letting you down. You talk to people all over the world that you ca n't even understand and end up getting so frustrated going around and around in circles. They need to be investigated, something needs to be done!
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Re : Acct #  XXXX  To Whom  It May Conc ern : This letter is regarding account #  XXXX  which you claim my account was charged off {$500.00} This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) so me contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including   XXXX   XXXX   XXXX   XXXX    ) fr om your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio  n 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et   seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response,  I may  be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.    Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collectio n :  Other ( i.e.  phone, health club, etc. ) - [ ] Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount  DESIRED RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were broken under the Fair Credit Reporting Act by your company. This has me caused financial injury, defamation of character and hurt my ability to obtain credit

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 2015-06-05
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constantly receiving calls from Franklin Collections, multiple times a day. Every time I answer they hang up. I call them back, and they wo n't tell me who they are, then proceed to hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: TCF NATIONAL BANK
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
TCF BANK I have sent extra payments in  XXXX  totaling {$1600.00} but is not reflecting on the mortgage statement.      XXXX / XXXX /  XXXX   {$550.00}  XXXX / XXXX /  XXXX   {$550.00}  XXXX / XXXX /  XXXX   {$550.00} Why is the new statement {$620.00}? Where were the extra funds applied?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Revenue Recovery Corporation
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for REVENUE RECOVERY CORPORATION license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. REVENUE RECOVERY CORPORATION does not have a VALID license in the state of TENNESSEE. Their license expired in XX/XX/XXXX, 2016. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. REVENUE RECOVERY CORPORATION is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-26
Company: Medical Business Bureau
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I mailed a letter to Medical Business Bureau in XXXX disputing these accounts and demanding legal validation. Not only dod I never receive a response but I see a new account on my current credit report I knew nothing about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Date : XXXX XXXX, XXXX From : XXXX XXXX XXXX To : Barclays Bank Delaware Card Services Enterprise Holdings , Inc., XXXX XXXX XXXX, Chairman and CEO CC : Consumer Finance Protection Bureau ( CFPB ) Subject : Credit Card Charge Dispute This letter is to dispute the below described charge and the handling of this dispute by Barclay 's Bank Delaware. In addition, this letter is to file a complaint regarding the handling of this matter by both Barclay 's Bank Delaware and XXXX XXXX. 

On or about XXXX XXXX, XXXX, when making my monthly payment on my Barclays Bank Delaware XXXX Aviator Red MasterCard, I discovered that there had been a fraudulent use of my card. My old account number was XXXX XXXX XXXX XXXX, which has been changed by Barclays Bank Delaware to XXXX XXXX XXXX XXXX, due to the fraudulent use of my credit card , probably by an employee of XXXX XXXX. The amount of the charge was {$200.00} and the charge was initiated on XXXX XXXX, XXXX and posted to my account on XXXX XXXX, XXXX. I immediately called Barclays Bank Delaware Card Services and XXXX and advised both organizations of the fraudulent charge. In reviewing my card statement today, I noted that on XXXX XXXX, XXXX Barclays Bank credited my account with the amount of {$200.00} and then charged my account that same amount on XXXX XXXX, XXXX without advising me of the status of their investigation. 

During the period XXXX XXXX, XXXX through XXXX XXXX, XXXX, I was in XXXX XXXX, Utah and therefore would have been unable to rent a car or truck from Enterprise in XXXX XXXX, XXXX. I had physical possession of the card during the period that I was in Utah and in fact still have possession today ; therefore, my credit card could not have been physically presented by anyone to rent a car. In conversation with XXXX they disclosed to me that the card number was entered manually, which indicates that whoever used the card did not have physical possession. When I rented a truck in XXXX XXXX from XXXX, I used this card and presented my driver 's license, so an employee of XXXX would have been able to keep my card and driver 's license numbers. As you may know when renting a car, one must present both a credit card number and driver 's license. Since I was in Utah and had control of both my card and driver 's license, it would have been impossible for anyone to present my license and card when renting a car. That leads me to the conclusion that only an employee of XXXX could have used my card number, as that person would not have had to present a driver 's license. 

Please properly and thoroughly investigate this matter and keep me informed by telephone or letter. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on   XXXX   XXXX   XXXX   SW credit system deleted the account i had disputed and on    XXXX   XXXX   XXXX   the same account was reinsert ed on my credit report without me being notified by mail and that is against the FCRA  611 ( a ) ( 5 ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Prosper Marketplace, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Please note this complaint is about being an investor in Prosper, a peer to peer lender ( similar to  XXXX   XXXX   ), but there  was not an option to select for this.     Between  XXXX  I investe d ~ {$1300 0.00} in various notes and Annualized Returns for the period averaged around 10 % for this period. I recently received an email saying  Prosper  had incorrectly calculated the Annualized Returns, so they now appear to be about one half of what they initially stated, including a negative return in   XXXX  .      Had I known actual returns were less than one half of what was stated, I would have not continued to invest in loans. From speaking with a manager, it sounds that this was unintentional error, but nonetheless my investment decisions wer e based on their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do n't owe any money on the account that a company called AFNI is saying I owe. My XXXX XXXX XXXX account has been closed for a couple years, I paid all my bills on time. I can still login into XXXX XXXX XXXX and it shows noting that I owe! If I call them they say the same thing! 

There is no bill I owe and I 've never got a bill or communication from XXXX XXXX XXXX about any debt, ever! So I have no idea where this is coming from other that this is highly suspect and a scam. It 's bad enough this is wasting my time, but if it 's impacting my credit they need to fix that immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AUGUSTA COLLECTION AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has been sending me collection notices in the amount of {$410.00} XX/XX/2018.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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: Public record information inaccurate

Complaint:
I have contacted XXXX  and Experian previously and asked them to remove this account from my report as it does not accurately state any information at all. 
I have notified XXXX as well as XXXX XXXX County of this reporting and both state that they do not report to any credit bureaus and that they are falsely reporting this information. 
Each time I have reported this and made a complaint, it is closed with no real investigation. 
You are violating my rights by reporting false information. 

Please remove this account from my reports.

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 2016-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit score dropped by XXXX points with no explanation with TransU. I have paid my bills on time to all parties. Therefore, it is unfair to deduct from my credit score XXXX points without explanation of why this was done. This leaves me in the blind as to why these points were taken and how to get them put back on my credit report. My score should remain at XXXX or disclosure must be made so that I can seek a remedy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled my credit report from Transunion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Transunion and the results of the investigation came back as " verified ''. I did not have an account with XXXX during this time period. XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.

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 2017-05-05
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
- [ ] Re :  Acct #  XXXX  To Whom I t May Concern:  XXXX  This letter is regarding account #  XXXX  which you claim my account was charged off {$1300.00} This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) s ome contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including   XXXX   XXXX   and  XXXX   XXXX  from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ) Y ou will be required to appear in a court venue local to me, in order to formally defend yourself.   For the purpos es of 15 USC 1692 et s eq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response , I may be  detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.    Consent to pub lish the description of what  happened? Consent pr ovided This is abou t a ( n ) Debt collection : Other ( i.e. phone, health club, et c. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong a mount DESIRED RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On Monday, XXXX XXXX, 2015, I received a letter from Quality Loan Service Corporation ( " Quality '' ) titled " Debt Validation Notice '' with an XXXX XXXX, 2015 date, which stated pursuant to, and in compliance with the Fair Debt Collection Practices Act and the XXXX Fair Debt Collection Practices Act ( FDCPA ) the notice allowed me to respond in writing within 30 days to dispute the debt. This notice also further stated Quality was a non-judicial foreclosure trustee and has been instructed to commence foreclosure proceedings against a property I own. I am unfamiliar the creditors named within the Quality notice and the debt amount that is claimed to be owed on this property different from my records. 
On XXXX XXXX, 2015 ( less than 30 days ), I responded in writing by sending a Dispute and Notice to Validate Debt to Quality at XXXX XXXX XXXX, XXXX XXXX, CA XXXX via U.S. Certified Mail No. XXXX XXXX XXXX XXXX XXXX. This is well within the 30 day requirement of FDCPA regulatory guidelines. 
Concurrently, on XXXX XXXX, 2015, Quality agents executed order paperwork to process the foreclosure and on XXXX XXXX, 2015 Quality filed the documents with the Office of the Recorder in XXXX XXXX County with a Trustee Sale date of XXXX XXXX, 2015. This means that in 24 days, Quality sent the original notice than filed paperwork against me. 
Quality has violated several XXXX XXXX. XXXX & XXXX subsections. If Quality claims it filed the Trustee Sale and/or foreclosure order as a " bona-fide error '' and " overshadowed '' whether clerical, procedural or otherwise, then Quality must immediately cease and desist with the foreclosure proceeding of the property until this matter is rectified and resolved XXXX. Quality must postpone the Trustee Sale immediately and Good Faith must be evidenced by stopping any further action whether non-judicial, legal or collection until it has complied with FDCPA requirements allocated to me by law. These actions are inconsistent and to the contrary of federal and state laws inclusive of those of the FDCPA. 
Conclusion, Quality has commenced, processed, signed documentation and have acted in malice, deceptively and unfair within no intent to honor the 30 day period before pursuing on any action against me. Quality has in fact unethically commenced in the collection of debt without VALIDATING THE DEBT XXXX. This is negligence and a total disregarding for my lawful rights. Quality has not responded to my dispute, nor practice fair collection practices when they filed at the Office of the Recorder within less than 30 days from the date on the Debt Validation Notice, and several days prior the Quality agent signed the Order No. XXXX and authorized the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
my JCPenny has been altered on their online site someone used my old email address as their user name " XXXXXXXXXXXX '' my real address now is XXXXXXXXXXXX this makes it diffcult to get info online at synchrony bank not JCPenny where I signed up

Company response to consumer: Closed with monetary relief