BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern : My circumstances have increased for the better, yet my lender is refusing to work with me at all. They have even discouraged me from making mortgage payments. I was injured on my job as XXXX in XX/XX/XXXX. Since, then I have been struggling to keep my home. Now, I can afford to pay the mortgage, yet the lender did not want me to start making payments and when I did make a mortgage payment, they informed that it would not count towards my principal balance, but would be held in a separate account ( Please see the below listed letter that I recently sent to them ). Also, I have my original emails and Hardship Letters, if they are needed for your investigation ). 

Property Address : XXXX XXXX XXXX XXXX, Loan Number : XXXX XXXX XXXX, CA XXXX Hi XXXX and Hamp Escalations, I just left a very detailed voicemail for XXXX XXXX at ( XXXX ) XXXX asking again when I can expect to receive the below listed documentation. 

I also mentioned that, once again, there should not be anymore negative reporting to any of the credit bureaus, since I made a mortgage payment last month ( XX/XX/XXXX ). 

After speaking with a real estate attorney, my mortgage payment should not have been reluctantly received and placed in a separate account, as explained to me by XXXX XXXX XXXX. It was very difficult for me to even make that payment because XXXX XXXX told me not to make the payment because the Attorneys from your ( Bayview Loan Servicing ) litigation foreclosure department was already involved. Then, XXXX XXXX explained further that my payment would not go towards paying off my principal mortgage loan amount, but it would be placed in a separate account. 

So, here I am trying to make a mortgage payment and Bayview Loan Servicing is telling me not to pay my mortgage? It seems like Bayview Loan Servicing is not trying to help me keep my house, but instead wants to take my house from me. 

I have attached my Hardship Letter from last year and I am in a much better situation to keep my home. My home has equity and I am generating more yearly income ( Please see attached documentation ). So, I am having a difficult time trying to figure out why you will not help me keep my home. 

Well, as you can see, I am prepared to fight to keep my home for my family. Especially since my circumstances have improved tremendously! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: Phoenix Financial Services LLC
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The woman I talked to was rude! I simply asked where the debt was coming from. All I had was a statement not from who it was from. I know it 's medical related, but I did n't know from where so I could n't deal with the situation. I talked to my insurance and they said I needed certain information in which the lady could n't provide me with it. I think if you 're trying to collect then you should do a better job!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I recieve a call about getting Grant money to my account, they ask for a fee to do transfer, I sent them {$220.00} from with Western Union track # XXXX, after I sent them the money they did not transfer and ask for more. They have me call this number XXXX and the reciever is XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. 

I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: WESTERN UNION COMPANY, THE
State: AE
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I 'm currently serving overseas and I have used Western Union since 2007. I 'm now being subjected to constant stoppage of my transfers by western union and told it 's because I 'm a long time customer. I 'm made to wait on the phone for up to thirty minutes or I 'm disconnected and have to go through the same frustrating procedures over and over again. Why does WU treat their loyal customers that way? especially it 's military customers who are overseas and have to rely on WU to get money promptly to their families? It is very frustrating to have this stoppage every time I try to send money to my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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  accounts : ( XXXX XXXX ), ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A : states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Credit Card Acquisitions Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX showed up on my credit report in XXXX for a laptop allegedly purchased by myself and then again for a judgment for {$2100.00} for said laptop. I wasn't even in the country when this transaction took place and sent the company a copy of my orders for XXXX. I called the company and made my case. I was called a liar so I hired XXXX XXXX XXXX to dispute the file. Freedom could not provide or prove my identity so it was removed from my credit report. Problem solved right? No! 

Today XX/XX/XXXX. I received a credit alert that my score dropped 39 points. A law firm claiming that I owe military credit services over $ 9k. Called.. amazingly someone answered. This account was sold from XXXX to another company security credit services ( who never contacted me ) and sold again to XXXX XXXX XXXX and now sold to another company Foster and Monroe llc. 

16 years later from {$2100.00} to over {$9000.00} and can not prove ownership. Yes they have my information, but I wasn't even in the country at the time of purchase. How is this legal?????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MO
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
According to XXXX Management, I am in a collection status for a payday loan that was taken out on XXXX XXXX at a Cash Central Location. I have never been to a Cash Central location, nor have I ever received any payday loans. I have taken online installment loans. But all those accounts have been paid in full and I have verification of it. One of the references they stated I put down was an ex-significant other. I asked them to send a copy of the Notice of Collection, and received nothing. I have tried to ask them for as much information so that I can try to verify exactly where this debt might have come from. They continued to say that I was " refusing to pay '' but I just wanted verification of the debt. I refuse to pay for a debt that I did not create.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Closed my Wells Fargo Credit card in XXXX they still ran a credit history which gave a hard hit on my credit score. I was issued a new credit card based on this hit in end of XXXX without my concern and knowledge. When I tried to call them and ask why am I receiving this card now since I canceled my Credit card in XXXX they just replied me that we will cancel it and do n't worry about the card just throw it away. Before I ask any other further question about my credit score the customer service agent just dropped the call. Please help me close the account and dispute the hard hit on my account.

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 2016-06-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Greetings, We are in a Foreclosure of our home which we have owned for almost eleven years. 
Previously, We had an incident which put us in a Foreclosure status ( my dad was in XXXX different hospitals for almost eight months, until he passed away ). 
At that time, ( XXXX/XXXX/XXXX ), we " Reinstated '' our mortgage and paid XXXX ( {$23000.00} ). 
We are now dealing with my husband being unemployed after thirty four years at the same employer, and my real estate business had declined. 
I submitted all the requested documentation to apply for a HAMP, and my mortgage company, Wells Fargo, denied the request, stating we had already received a HAMP modification. 
My understanding is monies are not requested nor given to the Mortgagor/Servicer when a HAMP modification is received. 
Today, I received certified letters stating our home is in Foreclosure and a Sale is imminent. 
On XXXX XXXX, XXXX, I faxed a letter to Wells Fargo requesting the documentation showing we had received the HAMP modification. 
As of today, XXXX XXXX, XXXX ( over two months ) and I have not received any documentation pertaining to a previous modification. 
We do not want to lose our home, and would appreciate greatly acting on our behalf. 
Thank you kindly in advance, XXXX, Ca. XXXX XXXX cell Wells Fargo/American Servicing Company Loan # 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 explanation
Consumer complaint received 2015-03-23
Company: DISCOVER BANK
State: OK
Product: Credit card
Issue: Billing disputes

Complaint:
I was reported late by Discover Card to the reporting agencies for XXXX and XXXX as XXXX days late for each month, but I was not allowed to change my billing date to accommodate my monthly federal payment date of the XXXX of the month ( which can post as late as XXXX of the month ). I got behind in XXXX and did not make a full payment trying to finish the larger high school tuition payments for my daughter and pay for her college acceptance monies that all took place in XXXX and XXXX XXXX payment was made every month typically the XXXX of the month and based on the online discover website. I paid a huge XXXX monthly payment over XXXX payments {$150.00} ( XXXX ) and {$330.00} ( XXXX ). Now, the discover representative told me today that I have no payment due in XXXX! The balance minimums due in the online system were for XXXX and XXXX? And, they reported me late for XXXX after paying what was asked of {$480.00}. They refused to change my billing payment date until today to the XXXX of each month so the cycle billing date would align me the way I asked for it to do in XXXX. My credit has been adversely affected for the first time in XXXX plus years as I have not been late in the past. AND, I did make payments each month, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The representative did not care that I have been a good customer and always made my payments. And, that somehow I got caught in a billing cycle mess that I just now was able to get out of. BUT, to report me and then say you do not owe a payment for XXXX after all of these payments and report me late XXXX days for XXXX and XX/XX/XXXX. I told the representative that I would still make my payment on XX/XX/XXXX regardless that her system shows no balance due because I make monthly payments. Please help me to get this credit issue fixed if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX we acquired a Mortgage with XXXX XXXX XXXX. Recently I discovered that in XXXX, XXXX XXXX XXXX was not a licensed lender in the State of Maryland, therefore my mortgage is void and not valid. I have verified the information XXXX XXXX XXXX, Mortgage Licensing SupervisorDivision Of Financial RegulationMaryland Department of Labor, Licensing and RegulationXXXX XXXX XXXX XXXX, XXXX XXXX, Maryland XXXX # XXXX have attached case law that you can verify the information from. Additionally the company went bankrupt in XXXX, subsequently there was an assignment done by XXXX in XXXX assigning the Mortgage to XXXX Mortgage. How is this possible when the Original Lender is defunct/bankrupt. XXXX as a Nominee does not have the authority to assign a mortgage when the lender is no longer in business. I have attached additional case law to prove as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted my homeowner insurance company - XXXX INSURANCE - regarding roof repair and subsequently submitted a claim. XXXX approved and paid the claim and within two weeks send a renewal notice with a premium increase of nearly {$400.00}. I immediately called OCWEN LOAN SERVICING ( loan number XXXX ) and advised I would not pay the increased amount and for them NOT to disburse the payment to XXXX. I was told the renewal request was in queue and was placed on hold while the renewal was deleted from queue. I was then told disbursement had been cancelled. 
I spoke with a representative of the local agent - XXXX INSURANCE - and advised her I was not renewing the XXXX policy. 
I researched and found a new agent - XXXX and XXXX INSURANCE - and advised them to submit policy to OCWEN for payment. 
On XXXX, XXXX XXXX, 2015, I received letters from XXXX and OWCEN. XXXX provided a Reinstatement Notice for policy number XXXX indicating payment of {$950.00} received and balance due {$1000.00}. The letter from OCWEN is a Past Due Notice indicating {$1100.00} was due on XXXX/XXXX/2015. OCWEN received and processed my XXXX payment - check dated XXXX XXXX, 2015 cleared my checking account on XXXX XXXX and my check dated XXXX XXXX, 2015 cleared my checking account on XXXX, 2015. XXXX payments were in the monthly amount of {$1000.00}. 
I contacted XXXX and XXXX today and was told they had not received payment for the new homeowner policy that took effect on XXXX XXXX, 2015. 
OCWEN is now threatening foreclosure and to report my account in default. IT IS NOT. As the homeowner and the supplier of the funds, I feel I have every right to choice who I wish to insure my property. 
I just called OCWEN and was told " I paid XXXX, so I would have to pay the increased policy premium to replenish my escrow account ''. I told her " I DID NOT PAY XXXX - they paid XXXX and they need to straight out the mess they have created. " I was then told I had to speak to someone at the Insurance Service Center and was given a number to call - XXXX. I dialed the number XXXX and got a recording stating this is not a valid number. 
OCWEN needs to retrieve my escrow funds from XXXX INSURANCE and pay the new agent or send the money to me. OWEN must also remove any negative reporting on my credit in reference to my account payments, my payments were not late and my account is not in default. 
Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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: Account information incorrect

Complaint:
I have new and updated information regarding Complaint # XXXX. 

1. Experian has failed to send me an updated copy of my consumer reports.

2. Experian claims that it is unable to complete my request, while they simultaneously updated and verified these accounts per Report number XXXX. If Experian needs more information to reinvestigate my dispute, how did it update and verify the negative information on these accounts? 
4. Please send me the method of verification for this dispute so that I can know who you spoke with to verify and update the information in my dispute, and fully understand the information you used in order to do so.

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 2017-03-18
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Western Union XXXX My WU # XXXX - XXXX : Gentlemen : I, this night, have tried to transmit funds to a friend out of the country. 

Transaction Code XXXX. 

After entering my credit card data and you drafted my account for {$140.00}, I received notification that you, for some unknown reason, have rejected my attempt. 

I have sent funds via WU on line several times within the past year without any problems. Now you tell me that I do not comply with your company policy. 

Before you respond, please be aware that my identity was stolen by another person with the same name who alleged he was me. If you check Facebook for XXXX, you will see three pics. The younger one is also an imposter that has an address in XXXX, Tx. 

I am the older one with the clean shaven face. 

The third one with the goatee is a scammer being hunted by the Kansas policy and the FBI. I know for a fact that he has scammed a lady in Kansas of {$250000.00}. 

I have been in touch with the police and with the lady and have been cleared of any participation. 

My correct address is XXXX. ; in XXXX, TX XXXX. And my phone number is XXXX. 

I do n't send month regularly overseas, but now with your denial of service, I am concerned and want to know what information you have that has made you cease doing business with me. 

If necessary, I can provide you with my valid TX DL to prove my identity. 

I am a XXXX Veteran of the XXXX, am XXXX years old, and I am sure you would not want this to be broadcast over the internet or TV airways as to your singling out someone like me to XXXX, of the XXXX American Vets, or XXXX regarding your treatment of me, without any consultation. 

Furthermore, I am distressed that you accepted my credit card payment, denied my transaction, and then l am told that I will have to wait 5 to 10 business days before the funds are returned to my credit card bank. THIS IS TOTALLY UNACCEPTABLE. In light of today 's computer technologies, you accepted payment right away, are holding the funds, and thusly, I have incurred charges on my bill. 

I trust you will do the right thing and amend this existing situation right away. 

Furthermore, I feel that I have been unjustly treated with your actions and failure to assist in correcting this. Consequently, I am notifying the Texas Department of Banking, as well as your Consumer Financial Protection Bureau Sincerely, XXXX CC : Texas Department of Banking CC : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: DISCOVER BANK
State: NV
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Discover Bank is reporting my old account which was closed in Chapter XXXX BK as open. I am not disputing the information that they have provided. However, I am asking that they review this account a make a business decision to have the Consumer Reporting Agencies adjust the reporting from open to closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband was a XXXX as a result of XXXX. I had a lot of bills to pay after he passed and failed to cash XXXX checks and found them last year as I was cleaning up my home. I contacted OCWEN and was told by OCWEN to submit the checks to be reissued which I did on XXXX XXXX, XXXX ( attached ). Over a year went by and I got no response. I contacted them again earlier this year and finally received a response from them dated XXXX XXXX, XXXX ( attached ). In my view their response is purposely very confusing and they claim my ( by then ) dead husband had confirmed receipt in XX/XX/XXXX and as such they are refusing to reissue my checks and refusing to send me the money which is rightfully mine. We are talking over {$12000.00}. I just sent them another letter today asking them to reissue the checks and pointing out my husband was dead when they claim he confirmed receipt. Regardless of whether the checks had been received none were ever cashed and they have my money to this day.

Company response to consumer: Closed with explanation