BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
The credit companies are not complying with their own policies in a timely manner.

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 2016-10-25
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have filled out loan modification paperwork with Ocwen Loan on numerous occasions, trying to get my mortgage modified. I am upside down on the mortgage and have been having problems making payments. Every time that I fill out the paperwork and send it in, they always send me a letter back stating that " IRS Form XXXX needs to be resent ''. I keep sending it back in, only to get a letter back stating I need to resend it again. Is this their way of not wanting to do a modification and think that after time, I will get tired of constantly sending this in?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX the loan servicing company wrote me demanding I I break into XXXX separate tracts for the local taxing authorities real estate that I own, part of which is covered by their mortgage, and part which is not. I timely complied and notified them XX/XX/XXXX. XX/XX/XXXX, I received a Annual Escrow DIsclosure Statement dated XX/XX/XXXX which raised my monthly escrow payment, in part because they added in, for making their computations, the taxes on the tract not covered by their mortgage that they had made me break out the year before. I responded and objected in writing the address they provided on XX/XX/XXXX. I waited over a month for them to respond and received no response so called. They advised they had no record of having received my letter and so suggested I fax it which I did. I have followed up several times but have yet to receive any written response or actual sonfirmation although last month they abated the monthly escrow sum due in the normal monthly statement they send me. While not being sent now, Copies of both documents and fax with confirmation receipt are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
CitiFinancial in XXXX locked me into a morage loan that I have been paying on for XXXX years and the Balence has not decreased and being XXXX yrs old i feel this company has taken advantage of me by locking me in a loan that I will not ever beable to repay, this loan is hard for me to pay at {$990.00} a month living on a fixed income, Also in XXXX it shows on my statements that the company filed on an insurance policy that was on the loan and the account was paid to a XXXX balance, the company still took payments from my bank acct. So from what i am reading it the statment they are getting paid twice for the loan and in the process putting me in the street.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2020, I sent Experian a follow-up letter requesting Method of Verification as they had verified an inaccurate account as being listed as accurate ( XXXX ). 

According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Based on my certified mailing tracking record number XXXX Experian received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received not received their Method of Verification within 15 days of my request. By not replying in a timely manner to my initial letter Experian has not only violated federal law, but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.

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 2015-08-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am confused By XXXX Information. 
What company am I dealing with and why are They Falsely Reporting information on my Credit Report Timelines? 
1 ) Is it XXXX? ( EXHIBIT B ) 2 ) XXXX ( EXHIBIT A ) Was this Account/Loan Transferred? EXHIBIT ( A ) under DescriptionWas this Account Foreclosure Redeemed? ( EXHIBIT ( C ) XXXX Remarks ) Was it Reclaimed by Credit Grantor ( EXHIBIT ( C ) XXXX RemarksWho was the Credit Grantor and why have I not been Notified if Changed? 
Where are the assignments? 
Why are they Violating FDCPA, FCRA, TILA, Rosenthal act, RESPA and why is Ok to Flat out LIE when asked for Verification and Validation of Information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I my home was wrongfully taken from me and I have written you all several times

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 2016-12-16
Company: Ocwen Financial Corporation
State: CO
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX I had to obtain an attorney to help sort out the validity of my loan with Ocwen Loan Servicing , LLC, in which Ocwen did not respond to any of our requests. Even after personally writing a Dispute and Validation letter in conformance with the FDCPA and having our Attorney send in a QWR. The only information sent to us at this time was a blank assignment with MERS because of this my attorney advised us to stop making payments to Ocwen and asked for a XXXX of Deed and XXXX if they could not provide the information we had requested. In this time we did not receive any more information but did receive threats that they were going to proceed with legal action against us in the form of liens and foreclosure if we did not get caught up and continue to make timely payments. During this time Ocwen also continued to contact us personally by phone and mail even though they were repeatedly asked to contact our attorney. They also added on late fees, mailing fees, appraisal fees, etc. to the amount we were at this point disputing we even owed. Then in XXXX we were sent XXXX XXXX C forms which we refused to sign because there still was no validation of the debt from Ocwen. After bringing a second attorney on board to deal with this tax issue Ocwen sent us a letter in XX/XX/XXXX determining that the documents had been sent in error. In XX/XX/XXXX Ocwen notified us in another letter that they were releasing the lien due to a bankruptcy obtained in XX/XX/XXXX, it would take another year and a denial for a refinance from XXXX Bank in XX/XX/XXXX before they followed through with this XXXX of XXXX. To this day Ocwen has never confirmed who they were collecting for and furthermore if the debt was discharge in XX/XX/XXXX should n't Ocwen have stopped collecting and or forcibly trying to collect said debt especially after obtaining an attorney. This was not only illegal but became an unnecessary hardship on my family. We were unable to modify, refinance or sell the property until this matter was cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing in regards to my now closed, Paid in Full, purchased by Portfolio Recovery Associates from XXXX XXXX XXXX XXXX. 
Portfolio Recovery sued me over this debt but the case was dismissed without prejudice and I was advised by portfolio Recovery Associates that the account will be deleted off my credit reports. 

Upon speaking with several supervisors at Portfolio Recovery, I was informed that while it is practice to update the credit reports as " Paid '', I was also informed that if I chose to dispute the account once paid for a removal from my credit file, " Portfolio Recovery would not fight me on this ''. I have received conflicting information from several different representatives, and due to this and the extenuating circumstances that caused the initial delinquency -- and the fact that I resolved this account in full and amicably -- I am requesting a complete deletion of this account from my XXXX credit reports : XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested to have the XXXX XXXX XXXX trade removed from all CRAs. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I have received no documentation with my signature that this is my account. Violates my rights under FCRA. Please remove this fraudulent trade from all CRAs.

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 2017-10-05
Company: PMAB,LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a medical bill from my daughter on my XXXX credit report. My daughter had XXXX at the time of service and the bill was placed on my credit in error. It was originally placed on my XXXX, XXXX and XXXX report. When I saw this error, I contacted all three agencies to let them it was incorrect. XXXX and XXXX removed the account after confirming it was not my debt. However, after multiple disputes and talking to both the XXXX and the reporting agency, XXXX is refusing to remove the account. Even though it has been proven to not be my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Circle Internet Financial
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I believe that Circle Internet Financial is in violation of the Electronic Funds Transfer Act ( EFTA ). Circle Internet Financial is responsible for managing XXXX withdrawals that I make from XXXX to my bank. I made XXXX withdrawals prior to XXXX declaring bankruptcy that I was told I would receive in XXXX days. I never received the funds. According to the EFTA, Circle is responsible for Error Due to Failure to Make Funds Available by Disclosed Date of AvailabilityExamples include, late or non-delivery of a remittance transfer. 

I am a customer of XXXX. I withdrew from my cash account balance via the XXXX app, via an XXXX  transactions of approx XXXX, to be sent to my bank account at XXXX XXXX  following the XXXX guidelines, instructions and terms of service XXXX, XXXX  days prior to XXXX declaring bankruptcy on XX/XX/XXXX ). 


At the time, XXXX openly stated on their official website and XXXX page that withdrawals were fully operational and processing. Per my account on both the XXXX website and app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via XXXX support directly that my XXXXXXXX  ( multiple ) were being sent. I have yet to receive my funds. According to XXXX personnel, once I receive confirmation that the funds are being sent, the responsibility is in the hands of another vendor. According to the XXXX app, By submitting, I authorize Circle Internet Financial, on behalf of XXXXto electronically credit my account at the financial institution indicated by me. Once again, I have yet to receive my funds. I have also not received any update from either of XXXX or XXXX what happened to the XXXX  and/or the status of my funds. 

XXXX is responsible for managing the XXXX process. At this point, almost XXXX  months later, the funds did not arrive at my bank. At my account at XXXX, before the website was taken down, the funds showed as no longer being in the account, as mentioned above. Further, XXXX has stated that once they reach " sending '' status, XXXX withdrawals are no longer in their control. 

Note : I have already provided to XXXX, via a separate email all the transaction details they need to investigate further my XXXX witdhrawals. This includes my email address connected to the account, the date and time of the transactions noting the time zone, transaction amounts, my name, the bank receiving the funds, and the last XXXX digits of my bank account number. This matches ALL of the information they have requested to others in similar cases in order to investigate the status of XXXX withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX, I incurred a financial obligation when I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX for the amount of {$270000.00}. The loan was evidenced by a Security Deed, naming XXXX as the " Lender, '' and XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ) as the " grantee, '' or beneficiary, of record acting solely as nominee for same. On or about XXXX XXXX, XXXX, after it was alleged that I had defaulted on my loan Account, was assigned to Deutsch Bank Trust Company Americas. In an attempt to save my home, I 've made various efforts to get an affordable loan modification from Deutsch Bank. All attempts, however, were unsuccessful. It appears that they refuse to give me a reasonable workout option and is bent on taking my home. Because I questioned Deutsch Bank 's servicing of my loan and how credits had been applied and whether or not my loan account is actually in default, on XXXX XXXX, XXXX I forwarded to Deutsch Bank a Qualified Written Requests ( QWRs ) requesting that Deutsch Bank provide, inter alia, me with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. Also, my QWR stated that it was my belief that my loan account has been improperly serviced in that credits for payments made by me had not been applied to my mortgage loan account. Deutsch Bank, however, did not respond to my QWR, took no responsive action and undertook no investigation into the issues raised by my QWR. 
The only way to ensure the integrity of my loan and whether my account has been properly credited is for Deutsch Bank to produce a verified accounting in compliance with RESPA 2605 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Ocwen Financial Corporation
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I had an auto lease account with GMAC that was included in Bankruptcy XX/XX/XXXX. Bankruptcy was discharged XX/XX/XXXX. GMAC is continuing to report this account derogatory on my credit report every month to this day. When I contacted GMAC I was told they will continue to report the account derogatory regardless of it being included in Bankruptcy for 10 years from the date the bankruptcy was discharged. I would like the CFPB to help me to get GMAC to operate within the confines of the Fair Credit Reporting act and to stop reporting this account as derogatory, and further to take all of the derogatory remarks off of my credit report from the time the bankruptcy was discharged XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-05-18
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This bottom feeder company which purchases alleged debts for pennies on the dollar, sent me XXXX letters dated XX/XX/2022 for an alleged debt to XXXX. Regardless, the alleged debts are well past any Statute of Limitations for legal action and credit reporting. Upon receipt of this notice, immediately cease and desist all communication tactics. Further, you do not have my permission to forward this to any of your " other friends in the business ''. The letters were sent under the following reference numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax Information Services , LLC is purposely violating FDCPA, section 809 and FCRA 611 ( a ) rule and illegally reporting inaccurate and incorrect negative information on my credit report damaging my credit score. The company fails to delete a debt and fails to not report a debt that is not mine. I responded with a deletion of debt request and sent in personal verification information to verify I am not the individual whom owns the debt. Despite the removal of incorrect account information. The company continues to damage my credit score and profile by reporting the same negative information. Furthermore, Equifax is in violation of 611 ( a ) ( 5 ) ( A ) ( 1 ) by not having the original paperwork to verify the validity and accuracy before reporting negative information on my credit profile knowing the negative impact it would cause. These illegal practices are n't acceptable.

Company response to consumer: Closed with explanation