BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-18
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
The Collection Agency - Patenaude and Felix - put a lien on my bank account and without warning extracted funds ( {$12.00} ) from my checking account. I subsequently called them and spoke to a representative offering to arrange a payment plan. He declined my offer insisting the only way to avoid having funds withdrawn from my bank account in the future would be to pay the entire balance in full immediately. Of course, this is impossible for me to do otherwise I 'd have done so by now. This concerns me greatly as I have a joint bank account with my wife. The thought of having funds withdrawn from our account is now something we constantly fear. I just want a payment plan that I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Tri-State Adjustments, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This letter is being sent to you in response to the above reference account that TRI-STATE ADJUSTMENTS has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against TRI-STATE ADJUSTMENTS for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
MEMORANDUM TO : OCWEN LOAN SERVICING, LLCESCALATIONS DEPARTMENT, XXXX. XXXX XXXX, XXXX XXXXFROM : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXREGARDING : ACCOUNT # XXXXWe are writing this letter to appeal the decision for a denial of a mortgage loan modification reason : our loan has already been modified under ( HAMP ). The mortgage was not with Ocwen at that time we received the modification. The mortgage was a variable mortgage and we wanted to get a fixed mortgage so that we could afford the payments. 
Three years later we are still trying to get a modification even though it can be temporary for 6 months or a year as your modification application states. I am unemployed at this time and would like for the payments to be a little lower, or course, foreclosure and short sale is not an option we plan to keep our home. 
We have spoken to Hub approved counseling agencies for these reasons. 
I applied for an unemployment deferment or modificationYou failed to send me an appeal period allowing me time to dispute the decision. 
I pray that this appeal will be what God intends it to be and you would take into consideration for a deferred modification, temporary modification due to unemployment. 
Please find enclosed : Unemployment award letter ( XXXX ) -2 months Statement of earnings, plus Social security XXXX for ( XXXX ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
i submitted a shortsale package to ocwen on XXXX, this was prepared by a lawyer and absolutely flawless, it included all the documents and forms the lender department of justice required to be reviewed for a hafa shortsale. after probably XXXX hours of utter mystery ocwen today send me a letter telling me that we do not have enough time to do a shortsale. is this a joke i say. they as in ocwen use a 3rd party XXXX to list my property at auction at a price that was over XXXX of my home my house is worth about XXXX and in horrible condition bottom line unlivable, but i manage in my slum. how can they do this when they listed it for over 60 days on this auction. i was told the foreclosure would be on hold during and after this XXXX time period the auction completed and there were no offers, not urprising. this is absurd how this is happening. i live in my house i am a veteran and i am getting frclosed on when i have been trying to get a shortsale approved since XXXX. this is unfair and i am contemplating legal counsel to contact ocwens legal department. i should not foreclose and ocwen should be more attentive to their investors files. please help my foreclosure is XXXX ocwen is XXXX and in another XXXX XXXX country for crying out loud. can you have an XXXX that i can understand contact me please. no offense XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with Ocwen Loan. My payments just keep raising my payments. I asked for a loan modification and was told that I have to be late on my mortgage first. I did what they as asked. Ocwen denied me over and over again.This caused me to be late on my mortgage. I found out later that I could not get a HAMP XXXX DUE TO BEING LATE. Now they are saying they offered me a modifications. What they sent was the payments three times the amount of what I was paying THAT 'S NOT A MODIFICATION. THIS HAS GOING ON TOO LON LONG. My home is a XXXX account. It is a MORTGAGE BACK SECURITY, THE HOME IS NOT SECURED AND THEY ARE THREATENING FORECLOSURE. I just want help. 
Many of my payments did not get reported. They continue to add fees that are astronomical. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicer for XXXX XXXX, refused to honor the mortgage modification agreement that I entered into with XXXX XXXX. Instead they filed a complaint to foreclose on my home. Despite me repeatedly telling them that I had a modification, they ignored me. Now my home has been foreclosed on and sold at a sheriff 's sale. When I told the court that I did not receive notice of the sale, the bank is saying that they need only show that they mailed me the notice. I legitimately had problems receiving mail at my home. But the real issue is that I should never have been in court, because, I already had a modification agreement that was not honored by Ocwen and XXXX XXXX. Then once I complained, they tried to get me to sign another modification agreement with different terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have no knowledge of XXXX accounts that have appeared on my credit report. I have filed disputes/investigations with TransUnion and XXXX. I believe I am a victim of identity theft. One of the accounts has an open date that would mean I was XXXX years old at the time. I most definitely never opened an account at XXXX years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In accordance with the Texas Debt Collection Act you have filed a cancellation of debt and are suppose to cease collection efforts. Ocwen and XXXX XXXX company cancelled my mortgage debt and I received a XXXX and letter from them as well as it is reflected on my credit report. I contacted them to tell them that there must be a mistake. After multiple attempts trying to rectify the situation they sent me a letter confirming the XXXX balance and reported it to the VA. A few months later they come back and say I am delinquent. I filed the XXXX like I was suppose to and created a debt of XXXX. Had to file a XXXX to get that forgiven. Now they are still wanting to collect and foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Ocwen Financial Corporation
State: AP
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am XXXX Military person ( Family ) who 's tried to have a loan modification and/or a short sale through both of my mortgage companies OCWEN and XXXX XXXX over the last few years now!!! We have suffered nothing but heartache, stress, hardship and financial burden with over a year and a half of trying to get approval for a short sale on my residence and losing Two potential buyers, I have provided everything that has been asked for and all paperwork each time!!! Many times the same paperwork again and again!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Ocwen Financial Corporation
State: IN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX and XXXX XXXX began receiving phone calls indicating that they should expect a loan modification regarding their mortgage in the mail. They then received the attached loan modification agreement, and sent a trial payment in the amount of {$920.00}. They have continued to receive calls asking for further trial modification payments. The scam is very sophisticated in that the paperwork looks remarkably similar to an Ocwen HAMP modification, the payment amount is possible with a HAMP modification, and they reference guidelines that are sometimes possible ( a loan rate of 2 %, three trial payments, etc. ) Whoever is running the scam has knowledge of default servicing. All contacts via telephone appear to have XXXX accents. Recordings of the calls are available upon request. Name listed in the mod paperwork was XXXX XXXX, his email used was XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: M&T BANK CORPORATION
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We purchased a boat, trailer and motor, in XX/XX/XXXX it was paid in full in XXXX 2016. I then sold the boat in XX/XX/XXXX. When the purchaser went to register the boat and trailer he was told there was still a lien on the trailer. I made numerous phone calls to the bank and nobody could seem to help me resolve this. After being sick for the last 5 days about this including the weekend I finally went online and found with no difficulty that there was indeed an electronic lien despite the multiple times I was told it was released in XX/XX/XXXX. I finally faxed a copy of my last registration to their bank and it is now being released. I am sure this is not how customers are supposed to be treated. I understand they are a large bank but had I been in the wrong and not paid my bill they would have contacted me in a moment. I know the problem is resolved for me after much distress but maybe if somebody is educated about this way of managing loans it will prevent the next person from having to go through what we had to endure

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I obtained a copy of all XXXX credit bureau reports and found that I had several inquiries that did not belong to me or that I did not authorize. I requested that all three bureaus remove these inquiries but they indicated to me that I needed to reach out to the creditors that requested the inquiry and have them remove it from my report. I did contact each creditor who are now telling me that they legally pulled the inquiry but ca n't provide me with any signature showing that I approved the pull. I went back to the credit bureaus but they still will not remove the incorrect credit inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I was sent an email from XXXX XXXX saying he wanted to know if I wanted a job paying {$500.00} a week to carry the XXXX logo on my truck. Told him that I was interested, he took my information and sent me a contract from the company XXXX drink. Told me he would send me a check from the company account for XXXX. Seven days later I received the check he told me that I need to deposited the check as soon as I received it because I need to send the money to XXXX XXXX the artist that would be wrapping my truck with the XXXX. After I deposited the check he told me to send XXXX XXXX and I was to keep XXXX as a down payment and that when she came out she would bring the rest which was XXXX. So I did a couple of days later my bank said the check was no good and that they were sending the check back but because I withdrew the money to send to XXXX XXXX I was responsible for the check. Now my checking account has been closed and I am out of XXXX because of the wire transfer fee. I have all the information reference number, amount, where it was sent and who was picking it up. I need help ... .please. Will I be able to get this money return to me or what is the next step?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit reporting act, XXXX account number XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

Statute 15 of U.S.C 1681 section 602A states that I have the right to privacy.

Statue 15 of U.S.C 1681 section 604A states, a consumer reporting agency can NOT furnish a account without written instructions from the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Other financial service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/2016 and XXXX/XXXX/2016, I have used the services of Moneygram XXXX to send " XXXX '' money for something that I allegedly owed. I called XXXX 's customer support number to verify. XXXX told me it was a scam. I unplugged my computer, filed reports with the police, with the bank, Moneygram itself, several government agencies. I have talked with XXXX, they tell me to go the bank and the police to dispute the charges. I talked to the bank, they tell me to talk to Walmart and Moneygram XXXX as well as the local police to dispute the charges. I have tried everything to file the disputes with the bank, there isnt anything they can do about it. I am now trying to dispute Moneygram XXXX and Walmart for charges. I do have police report number and other report numbers from government websites if needed. I also still have receipts from the Moneygram purchases with reference numbers. Already filed reports with Moneygram XXXX about the charges. Local police have talked to Moneygram XXXX. Still havent heard anything back yet. Trying to see about getting help for it. May go to legal aid if I have to. I have lost in total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Other financial service
Sub-product: Money order
Issue: Customer service/Customer relations

Complaint:
I periodically send money through MoneyGram International "housed" by Wall Mart XXXX
XX/XX/XXXX, I requested for a copy of my XX/XX/XXXX transaction with the company. The Wal Mart branch told me that it is the headquarter XXXX that handles such matters. I was asked to direct my request to:
The Manager/Supervisor, The MoneyGram International, XXXX Tel. XXXX.
I contacted it. The employee who attended to me by phone asked me to go on-line on their website to make my request. I did as required: 1.) a photo id,  and 2.) $XXXX fee. I sent the XXXX as required the address above XX/XX/XXXX.

When I did not hear from the company XX/XX/XXXX, I called. I was transferred from one employee to the other. When no one could produce an answer, I requested to speak to the supervisor. It was the most frustrating moment. I was put on hold for 0ver XXXX minutes with annoying music playing in my eyes. I had to hang up without answer.

I went back to Bank XXXX from where I bought the $XXXX money order. On around XX/XX/XXXX Bank XXXX confirmed that MoneyGram International cashed the money order XXXX XX/XX/XXXX and produced a copy of the endorsement by MoneyGram International.

When the company would neither refund my money nor produce the requested copy of my XX/XX/XXXX transaction, I , XX/XX/XXXX went back to their branch in XXXX to report what had happened. Once again, I was asked to direct my complaint to the XXXX headquarter. On the same day, I got on phone to ask why he company would get my money and not meet my request. The response was frustrating and disgusting for 45 minutes: it was a merry-go-round transfer from employees who identify themselves as XXXX assuming they gave my correct names. I told XXXX that I have had enough transfer and would like to speak to the supervisor. "Hold on," she said and left me on phone for another 30 - 35 minutes with the usual aggravating music. I hung up. 

I waited 40 minutes and called again. The same thing happened. This time, I was transferred XXXX, Before he could ask for another transfer, I asked him to let me talk to the supervisor. "Hold on," he said and started playing the usual horrible music  my ears. He neither came back to attend to me nor did any supervisor pick up the phone until I gave up after XXXX minutes.

This is my case. I have endured this unethical, irresponsible, and unprofessional treatment from MoneyGram International. The company gives me the impression that it is a bunch of cronies, operating a business to see how much dupery they could get away with  outside he XXXX headquarter. 

I will appreciate your intervention to right the wrong.

Thanks.

P.S I have a copy of the endorsed money order

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Herbert P. Sears Co., Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debitor continues to reage this illegitimate debt on my credit report resulting in my scores to plummet. The debt reaging is done without my consent! 

HP SEARSXXXX XXXX XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency HP SEARSOriginal Creditor XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The federal Electronic Signatures in Global and National Commerce Act ( " E-Sign '' ), 15 U.S.C.A. 7001-7031 ( West Supp. 2002 ), provides that electronic records may not be denied legal effect, validity or enforceability solely because they are created electronically. 
Both the federal E-Sign and ESRA authorize the use and acceptance of electronic signatures and electronic records in commercial transactions, and confirm their legal validity. 
The E-Sign Act establishes that electronic signatures and electronic records are valid and enforceable if they meet certain criteria. See 15 U.S.C. 7001 ( a ) ( 1 ), An electronic signature is " an electronic sound, symbol, or process, attached to or logically associated with a contract or other record and executed or adopted by a person with the intent to sign the record. '' 15 U.S.C. 7006 ( 5 ). An electronic record is " a contract or other record created, generated, sent, communicated, received, or stored by electronic means. '' Id. 7006 ( 4 ). 
Consumer authorizations can be provided in paper form or electronically. Writing and signature requirements are satisfied by complying with the E-Sign Act which defines electronic records and electronic signatures. Regulation E does not prohibit companies from obtaining signed, written authorizations from consumers over the phone if the E-Sign Act requirements for electronic records and signatures are met. 
Specialized Loan Servicing ( SLS ) received my updated profit & loss statement timely ( XX/XX/2016 ) during the loan modification review process but failed to use my updated profit & loss statement in violation of the federal law 15 U.S.C. 7001 ( a ) ( 1 ).

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