BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: Alliant Capital Management LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XX/XX/2021 my XXXX XXXX XXXX XXXX was fraudulently charged {$130.00} to XXXX XXXX NH. I immediately called the number for XXXX XXXX and refuted the charge. The agent I spoke with refused to verify the address provided for this charge but did verify the name on the account as mine but the email and billing address were not. I informed them I would dispute this with my CC holder and report as fraudulent but the XXXX agent did not agree to open a fraud case. 

XXXX refuted the charge on my behalf and I was forced to cancel the credit card due to it's compromise and I was reimbursed for the fraudulent charge. Subsequently, XXXX has engaged XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX to place a collection as a debt buyer for the amount of {$1500.00}. 

I have never received any written communications identifying the contract, addresses or phone number for this supposed debt. I did receive a formal letter from XXXX identifying the investigation into my fraudulent complaint as a valid fraud and I was reimbursed the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
LOAN # XXXX OCWEN LOAN SERVICES4 Months ago we request Hamp Loan Modification : XXXX this is XXXX XXXX XXXX XXXX on XX/XX/XXXX our business suffered a financial loss therefore I had requested to Ocwen Loan Services loan modification on our Home. Bankruptcy or Fore Closure is not an option we are willing to take. We have enough equity and after XX/XX/XXXX New Job. We had contacted Ocwen for the loan modification, they had advised to us to stop paying for the loan, since they said this had to be done in order to qualify for the modification program. I ended up checking my credit report, and they had reported it and my credit score took a huge hit. This has also created more damage in our business since now I can not apply for anything. We have still yet to hear back from Ocwen in regards to my loan modification Status after 4 Months. I want to file a complaint & maybe if somehow someone from your department could look into this, I would greatly appreciate it. Also, are there any options I have available in order to avoid foreclosure of my real estate. We only need loan modification ut it seems nearly impossible, Ocwen do not assist in any way and they never respond to us with any offer after 4 months we send all documents via e mail pdf, XXXX certifided mail, etc.. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance {$17000.00}

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 2022-07-15
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDXXXX XXXX, DEPT OF EDXXXX 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 2020-03-12
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX, I received a e-mail, stating that the loan I applied for ( on line ) on XX/XX/XXXX, was denied. There was no name or amount given. They indicated that they accessed my credit report. I Did Not Apply for a loan from this Organization. My Social Security Number and Identity were Stolen around XXXX. I Suspect, this attempt to obtain a loan, is from one of the Thieves, that stole my Social Security Number. I want this Organization to know that they Fraudulent obtained my Credit Report. This better not impact my Credit Report, or I will Sue them for Identity Theft. I did ask them to send me a copy of my application, they refused. Please address this matter, as soon as possible. I'm not sure if this Organization are the Scammers, Themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This card ( image attached ) has {$500.00} deposited, but Netspend puts all possible obstacles so that it can not be activated ; that's their business model. We just want to activate the card and use it. 

My nephew called to activate the card and was asked for a social security number ; since he is not a citizen, he asked me to activate it for him, but Netspend told me that I could not do it because they already had my nephew 's name. 

There is no way to activate the card online, because it's locked, so they ask you to call and when you do you get all kinds of excuses not to activate the card, like the USA PATRIOT Act, etc. 
The question is : what information does Netspend need - mine or my nephew 's - to activate the card and where can that information be sent? We DO NOT need more phone calls... we have called multiple times, but agents give us the runaround so that we can not activate the card and allow Netspend to keep the money. 

I hope you can help us activate the card.

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 2015-11-05
Company: Ideal Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I moved out of an apartment XXXX on XX/XX/XXXX. XX/XX/XXXX I received phone calls from Ideal Collection Agency for {$930.00}, that the leasing company was charging me for damages to the apartment. Prior to this I had not received a notice or call from the leasing company regarding the charges. They claimed that they sent a certified letter to the address on file. However, I never received the letter, and even have an email proving that I updated my new mailing address within 30 days after moving. According to Florida statute XXXX, the leasing company has 30 days to send me a certified notice of any charges or forfeits their rights to them. I never received this notice. 
I sent Ideal Collections a certified letter explaining that the company forfeited their right according to the Florida statute XXXX, and that according to the Fair Debt Collections Practice Act they must acquire proof of the damages as well as proof of the certified letter receipt. No such evidence was produced because I did not receive the letter to sign for it. 
Instead the Ideal Collections company sent me a copy of the bill from the leasing company with the end of the required notice missing from the page. I would not know how to respond based on their bill. 
The Ideal Collections company is trying to acquire funds that the leasing company is not entitled to. They did not submit the certified letter to me within the 30 days, and never notified me otherwise of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen took my loan over when we filed Chapter XXXX in 2011. It has been a nightmare ever since. I do n't believe any of my loan information is correct. We are still in Chapter XXXX and Ocwen is calling me ( first call was on XXXX, yes, a Sunday XXXX to tell me I owe them over {$10000.00}. Absolutely incorrect and illegal since we are in Chapter XXXX. When Ocwen took our loan over, they gave us a modification which reduced our payment amount to {$1200.00}. They are now saying our payment amount is supposed to be {$1500.00}. I have documents showing the {$1200.00}, but I guess they ca n't find them. Most recently I received a bill for {$9700.00} and corrected tax document which will make me owe the IRS. I do n't think any of it is correct. I ca n't ever speak to anybody that speaks XXXX so I totally understand how nobody knows what is going on. Ocwen does have a consumer omsbudsman, who does speak XXXX, but they have n't done anything but lead me on as well. The omsbudsman said to give them 15 days to get it corrected and that was the day after XXXX XXXX XXXX XXXX ). I have received documents stating they will charge me for insurance on my home because I do n't have any, again, absolutely incorrect. I have requested a complete audit of my account from an outside source, but have not received any response. I am unable to scan all the documents in today, my scanner is not working. I did take photos and attached a couple of documents I 've received showing the amount I owe, it too changes all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: CO
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a single mom who bought my home with my XXXX in XXXX ( we were never married ). My daughter and I have an XXXX of XXXX XXXX XXXX XXXXXXXX against him since XXXX, he is legally not allowed on or near the property. I have been trying to get a loan modification for just my income because it is just me and my young daughter living in the property. My mortgage company has told me that all I need to do is get a quit claim deed signed by my ex relinquishing rights to the property. I have been fighting for XXXX years to try and get this signed and I have gone into foreclosure. Again my mortgage told me that all I needed was to get this signed and I could get my own modification. My ex sold his part of the property to a random real estate company without my knowledge or signature, which then offered me to buy a quit claim deed from the real estate company for {$1900.00} and it will be just in my name. I have paid the {$1900.00} and now have the property just in my name. As soon as I contacted the mortgage company to let them know that I got it signed they are now going back on their word saying that even with the quit claim deed showing my ex has relinquished rights to the property I would still have to have my ex sign a modification with just my payments. This has XXXX XXXX XXXX XXXX XXXX XXXX XXXX being lied to and paying all of that money just for them to say there is nothing I can do now. I have a stable job that I have been at for XXXX years and I still can not get a modification just in my name after the countless times that I have been told by my mortgage company that I would be able to get XXXX. I have written down multiple names of the representatives that have told me verbally that was all I needed. I was in a covid forbearance plan which my mortgage company told me at the end of the forbearance that I could resume payments and that the amount owed would be put at the end of the loan and the loan would be extended or that they would offer me a loan modification. The forbearance has ended and no such offer has been made. My foreclosure sale is scheduled for XX/XX/XXXX and I am terrified that I am going to lose my home after all of this time that I have been fighting to save it. I asked if there was a special circumstance that they could accept a modification without my ex 's signature seeing that I have an OFP against him they said sorry for the miscommunication. How can XXXX years of being told one thing be a miscommunication? I feel scammed by my mortgage company and have considered hiring a lawyer to look into this because I am just shocked at how they could be this dishonest it is just not fair. I have been through so much all I want to do is make payments and keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Am a licensed Realtor representing a seller in Ohio who is in the process of a short sale withOcwen. I am having difficulty with their XXXX division however when I speak to someone in the US I get results. Have been given approval on short sale but needed extension on closing. Have rec 'd numerous emails from Ocwen asking for the same docs they already have. Every time I send the newly signed ( requested docs ) to XXXX I get messages that they ca n't read the attachments or faxes. Very frustrating to both my seller and the buyer. Is there anything you can do to help us? This is taking way too long and I do have extensive experience handling short sales so it 's not a failure on our part. 
Need compliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Wells Fargo issued to my company, XXXX XXXX XXXX XXXX, a cashier 's check for {$2500.00} chq # XXXX dated XX/XX/XXXX that went to a former and old office address in XXXX XXXX, NV and got forwarded to my correct address. I received the original check here in XXXX, XXXX, so there was no need for me to get a notarized affidavit. 

According to Wells Fargo 's letter dated XX/XX/XXXX ( attached ), the deadline to respond to their letter was before XX/XX/XXXX. Immediately on XX/XX/XXXX I sent an email to unclaimed XXXX about the matter. On the same day, I received an auto response from Wells. On XX/XX/XXXX, I sent another email to Wells. Until now XX/XX/XXXX, over 2 months, no Wells Fargo team member has responded to my email. I also called their XXXX number but no one is attending to that number as well. 

I followed up with a letter to Wells Fargo on XX/XX/XXXX ( attached ) to send me a replacement check to be mailed to XXXX, XXXX, the specific address of which is already on their original file for my company. They have already sent me checks to this address in the past, so this is not new address to them.

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 2016-09-11
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I got a letter from Great Lakes stating I owe {$20000.00}, I signed a Promissory note for {$25000.00}. No payment have been made as of yet .... So my question is where did the {$5000.00} go? I have stated before that the student loan industry engages in fraud to facilitate the application of fees to one 's loan total. I asked for all of my loans to be consolidated, yet I bet one of the loans has accidentally misplaced or other jargon to cover themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/XXXX - XXXX  Credit Report Number : XXXX Inquiries from Midland Credit Management. XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX. My Personal Information, i.e. my name Identification Number, Social Security Number and Addresses Identification Numbers, Type of Address, Geographical Codes. 
XX/XX/XXXX - XXXX  Credit Report Number : XXXX Inquiries, Consumer Reports, XXXX XXXX XXXX. My Personal Information, i. e. My Names Identification, my Identification Numbers, my Addresses, Type of family, Geographical Codes. One wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Type : single family Code : XXXX Address ID # XXXX with last 4 digit of zip code not my last 4 digit of my zip code. 

When I XXXX  the address it is a piece of land that I am being charged for on my XXXX XXXX County Property Taxes after A judge ordered XXXX Property Taxes Exempt to {$0.00} owed. 

XX/XX/XXXX a default Request, Affidavit, Entry, and Judgement ( Sum Certain ) 43rd State of Michigan Judicial District Judicial Circuit Court Plaintiff 's Name and address Midland Funding, LLC a.k.a Midland Credit Management, third party Withholding Unit Michigan Department of Treasury, XXXX Michigan - This was a case of Identity Theft that I have reported previously with your establishment for seeking to garnish my Homestead State Income Taxes return. XX/XX/XXXX court and Plaintiff Garnishee Disclosure from court SAME AS ABOVE for indebted for non-periodic payment. XX/XX/XXXX Writ of Garnishment from Plaintiff and 3rd party XXXX. My XXXX Michigan Homestead Taxes were garnished for XXXX and XXXX Michigan Homestead Taxes and Levied Taxes in XXXX return. I am a XXXX, XXXX Senior Citizen living on a below Federal Income Guideline and my home at the address XXXX XXXX XXXX XXXX, XXXX XXXX MI has been in foreclosure each year from my Homestead Property Taxes Return being taken from me because of Identity Theft and Fraudulent Activities since XXXX. I have received foreclosures since XXXX and XX/XX/XXXX, threatening to make me homeless and pay XXXX XXXX XXXX Taxes which I was told are controlled and managed by the XXXX County Treasure 's Office making continuous monthly payments on time and date of agreement. DHHS have agreed to assist in payments, however payment has not been received to date. I am waiting and thank you in advance for your investigation and resolutions in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received a letter from XXXX XXXX XXXX. stating that the debt was valid all they provided was a letter they Typed up, and Like 4 or 5 bills. They did not provide no solid proof that this debt was mines no signature or ID showing that this was mines.

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 2017-10-14
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I obtained my credit report from all three bureaus at the end ofXX/XX/XXXX. I updated and removed any information that was inaccurate on my report. I sent two certified letters to AFNI collections agency on XX/XX/XXXX asking them to validate the debt they are reporting on my credit file. I asked for original signature and the contractual obligation that connects me to this debt. The debt amount is {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have transferred money to XXXX on XX/XX/XXXX but the money has not been transferred to my XXXX account and requested to cancel the transaction and they told they cancelled but they are not releasing the money back. If dollar rate is increasing then WU is  holding our money and converting it to higher XXXX rate. This is really disappointed

Company response to consumer: Closed with explanation