BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-04
Company: Ocwen Financial Corporation
State: AL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My mortgage company, OCWEN Loan servicing, tried to foreclose after approving me for a modification of my loan. They contacted the bankruptcy court stating they had not received any payments on my behalf when in fact I sent my trial payment for XX/XX/XXXX on XXXX/XXXX/XXXX. I provided their attorney with print outs from their Webb site with payment verification and therefore their attorney had to withdraw his motion. This resulting in my bankruptcy judge approving my modification later on XXXX/XXXX/XXXX. My mortgage company went back and back-dated my payment history in my record showing a motion to relief stay filed on XXXX/XXXX/XXXX. By this date the mortgage company received payment amount $ XXXX.for XX/XX/XXXX from me., {$240.00} from trustee in XX/XX/XXXX, {$240.00} from trustee in XX/XX/XXXX, {$240.00} in XX/XX/XXXX from trustee, and XXXX {$340.00} from me. I spoke with several relationship mgrs for my account whom assured me all payment would be applied to current mortgage. Now their saying I 'm 3 months behind and sent me a reinstate quote, via email. can someone please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Collaborative Resolution Group
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
On XXXX/XXXX/XXXX XXXX from CRG phone number XXXX contacted me. She claimed I had taken out an online loan with XXXX on XXXX XXXX, XXXX. I did not. She claimed a reference listed was a person I had not met until the summer of XXXX. 

This woman knew the last XXXX digits of my social security number, my date of birth etc. I have never taken out an online payday loan. I believe it was a scam. My concern is she called to verify my personal information and will use it for fraudulant purposes.

Company response to consumer: Closed
Consumer complaint received 2016-02-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Went to pay for a car using MoneyGram. I was to send {$1400.00} to an XXXX XXXX XXXX and according to the XXXX XXXX XXXX XXXX ID # XXXX email I was to call when I finished filling out the MoneyGram transfer form for further instruction. Once the payment was complete, I was to call them back again. Needless to say they received my funds on Friday, XXXX XXXX, 2016 XXXX CST ( XXXX XXXX, OK ) and the car that was suppose to be delivered on XXXX XXXX, 2016 did not arrive. I emailed the XXXX parties this morning and actually received emails explaining I have to send another {$1000.00} for insurance purposes. I explained I no longer want the car and said I would appreciate a refund via a MoneyGram transfer since it has not been 72 hours. I am still pending an answer. Further, I started looking up addresses, emails and the phone number realizing the emails have been used for a couple of years on this XXXX car scam. I already called MoneyGram this morning and they said I should have called within 30 minutes of making the transfer. I said the car was n't going to be delivered until yesterday. So how was I suppose to know to cancel? I gave MoneyGram the reference number and they said the money was received. Sorry that is all we can do. The MoneyGram was sent through WalMart and there is nothing anyone can do to refund the money. This is a true scam and thousands of people have had their money stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Diaz & Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX continue to put that I owe them on my credit report. I have told them over and over it is not me. They removed it from my credit and then sold the account to XXXX that put the item on my credit and XXXX added it back also. Now both of the items are on my credit and they are not mine. This has been since XX/XX/2013 in Alabama and I moved to Georgia XX/XX/2013. This is not my account and they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
M & T BANK PUT MY TAX MONEY IN SOME ONE ELSES ACCOUNT AND SAID THAY CAN NOT HELP ME THAY SAID THE IRS IS RESPONSIBLE AND THE IRS SAID THE BANK IS RESPONSIBLE I CAN NOT GET ANYTHING FROM XXXX XXXX IN WRITING I ONLY PUT XXXX DIDGITS ON MY TAX RETURN FOR MY ACCOUNT # BUT IT WENT INTO ANOTHER ACCOUNT PER LADY AT THE BANK AND THAY CAN NOT GET IT BACK SO I AM JUST OUT OF LUCK AND OUT OF {$1300.00} THE BANK WONT EVEN CONTACT THE PERSON WHO 'S ACCOUNT IT WENT INTO. OR HELP ME IN ANY WAY TO GET THE MONEY BACK EVEN THOUGH THE ACCOUNT DID NOT HAVE MY NAME ON IT OR XXXX # ON IT AND ONLY XXXX NUMBERS FOR AN ACCOUNT # WHO HAS ONLY XXXX NUMBERS FOR AN ACCOUNT # NO ONE THAT I HAVE ASKED HAS ONLY XXXX NUMBERS FOR AN ACCOUNT #.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Receivables Management Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was in the intensive care unit when the hospital brought in a XXXX for XXXX, I was diagnosed with XXXX. I had XXXX and XXXX for hospital coverage at the time. Why should I be penalized for this debt because the doctor was not in the network?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: M&T BANK CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a promotional mailer from M & T Bank stating that if I opened an EZChoice Checking Account with a minimum monthly direct deposit of at least {$100.00}, I would receive a {$150.00} bonus within 90 days of account opening. I opened my account on XXXX/XXXX/2015 with a {$100.00} initial deposit and subsequent {$50.00} weekly direct deposits. 90 days came and went with no {$150.00} bonus. I reached out to the XXXX ( Delaware ) XXXX to speak with XXXX XXXX, who originally opened my account. She claims I am not entitled to the bonus, because it had to be {$100.00} weekly direct deposits. When I opened the account in XX/XX/XXXX, I told XXXX XXXX I was going to make {$50.00} weekly direct deposits. She said nothing to the contrary. This is false advertising, plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am seeking monetary release for the terrible treatment I have received from experience. From all 3 credit reporting bureaus.I have continuously requested that I do not be just by XXXX and that my credit school will properly show three real numbers. However, experience has been holding my credit score now for a long time now when I called a question why they said it was because of XXXX, which is not fair to anyone. They have now remove things that I took them. Were not supposed to be on my account. They keep making up excuses why they cant fix the numbers and its a computer is doing it and not send however, we werent using computers at first and theres no reason why I cant hear XXXX. Judge my number is it because Im a XXXX person is known as the XXXX peoples numbers down Id like to pay for my troubles. You can get a home cars anything and I know I have no debt at all!!! Fix this please. Why do they have so much power and theres no real way to dispute them. 
I never gave XXXX, XXXX or Experian permission to publish anything about me. They are constantly publishing false information. How do I go about suing the company for pain and suffering, for restricting my way of life.

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 2021-06-26
Company: EQUIFAX, INC.
State: PA
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:
Equifax is not taking credit card fraud if XXXXXXXX XXXX XXXX for 8years now. They are putting every year psid once to make it look like it has been less then 7 years when the other 2 companies took it iff right awat as fraud. Now we are going on 8 years of fraud card on my credit report. Equifax is breaking the law. I want XXXXXXXX XXXX XXXX for XXXX off my account and XXXX XXXX  with late payments 4 years ago were ppaid on time. Both accounts need to be investigated by state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Unfortunately, I did not take note of every statement I have received, nor did I take note of all contact with XXXX XXXX XXXX. We received a statement dated XX/XX/2016 for {$230.00} from XXXX XXXX XXXX. I called my health insurance company, XXXX, on XX/XX/2016 and asked them about the statement. XXXX informed me that XXXX XXXX XXXX has a contract with them and as part of their contract, XXXX XXXX XXXX should NOT be contacting me for payment. I called XXXX and let them know that and I told them that I just want to make sure that this does not go to collections and hurt our credit that we have worked so hard to build. The employee at XXXX XXXX XXXX would not confirm with me that our account would not go to collections when I asked. Since XXXX was unwilling to help me in any way, I decided to call XXXX back on XX/XX/2016 to let them know that XXXX would not confirm with me that my account would not go to collections. XXXX put me on hold and called XXXX XXXX XXXX. The representative at XXXX spoke with XXXX XXXX at XXXX. XXXX confirmed with me that they already payed XXXX {$230.00} for the services rendered and that the bill that XXXX sent me was a double charge. XXXX gave me a confirmation number of XXXX. I called XXXX back on XX/XX/2016 to confirm that everything was taken care of, given I had not received another statement in about a month 's time. XXXX told me that they sent XXXX XXXX the Explanation of Benefits and that I am not accountable for the payment and to stop worrying about it. I felt at ease until I received another bill from XXXX XXXX XXXX on XX/XX/2016. The statement read : ****FINAL NOTICE**** YOUR ACCOUNT IS SEVERELY DELINQUENT. IN ORDER TO AVOID FURTHER COLLECTION EFFORTS, PLEASE REMIT PAYMENT UPON RECEIPT OF THIS STATEMENT. Today, I received a bill from a collection agency ( Synerprise Cpnsulting Service, Inc ). I am just too busy to be dealing with this. My mother just passed away. I just do not know what to do or who to contact to resolve this and to prevent it from hurting our credit. Please help! Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion has not deleted a Tax lien that was filed in error. I disputed this XXXX times with the Transunion only for it to come back verified. I have provided XXXX letters from the original creditor ( XXXX ) explaining how it was filed in error. I have also provided a letter from the source ( XXXX County Recorder ) also indicating it was filed in error, yet it remains on my credit report. XXXX and XXXX removed this item immediately upon receipt of the documenation I have attached. I am asking requesting intervention by the CFPB to act for removal of this tax lien clearly filed in error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Ocwen mismanaged our loan documents. When we went to sell our house, they could not find a lien for 3 Months. This caused us to be homeless and had to live with no income for over 3 months. We have had issues caused by the delay. We have lost a years income and have suffered tremendously since this issue began. The loss we have is tragic, but they have also left us with an unsecured attachment to a loan that is for {$24000.00} Anyone that wanted to lay claim to me for that amount could. I have no home as an asset, yet I could owe someone at any time. Because my lien was not properly entered into their system I was left holding a loan on my credit. They were responsible for getting the financial documents processed correctly. They have the ability to hold up someone 's life by their actions. This claim needs to be resolved. I do not believe I should have been treated this way by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This is my XXXX request and no one at any of the credit bureaus and handling my dispute requests. I am requesting that these below accounts be deleted from my credit report, especially if they are unverified and non-compliant. Thank You, XXXX XXXX  - XXXX Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Unverified Account- Delete immediately I am really looking for some guidance here ... The Credit bureaus are failing to respond and the CFPB is not assisting me at all here. I am trying to take care of my credit. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Grain Technology, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have reached out to Grain technology services on changing my account information to be able to process payments to my account. 

Theres trouble shoot issues on their app. 
And its causing late payments, which is effecting my personal credit. They do not a customer service number that connects to an actual person. 

I have emailed them several times and only to get a automated response saying I will get connected to a real human to be further assigned but no response. 

This has been going on for months now and I can not get in contact with anyone to solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2016 I checked my credit report and all of my inquiries were deleted. I logged in today and all of the inquiries were back on my report and my score dropped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
An account was paid off in 2011. Collection agency that had the account ( XXXX ) has now sent all XXXX credit bureau 's XXXX letters stating that the account is paid in full but none of none of the credit bureau 's will mark it as paid. I have now opened XXXX investigations with no change from credit bureau. I need this resolved so it can quit negatively affecting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, INC.
State: TN
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:
An itemized bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX XXXX regarding an account. The written letter offered the option of " XXXX payment of {$430.00} '' and that my " account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$430.00} ( please see attached payment receipt and bank statement ) and XXXX XXXX reported my account as " Reached An Agreement With A Lender To Repay Only Part Of The Original Debt ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.

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 2016-08-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never had a loan with XXXX, however XXXX is reporting negative loan information on my Experian credit report. I have repeatedly filed disputes with Experian and they keep telling me they have verified that this mortgage loan is mine. I 've even asked XXXX to show me the loan origination papers that I signed if this is my loan, but I have not received any response from them. I have tried to file another dispute with Experian, but I 'm told I can not fie another dispute, since I have previously filed a dispute in the past with them. I asked them why, and their response was : I could file another dispute, if I had additional documentation. Well, I do n't have additional documentation because there 's not any additional documentation to provide ... .It 's simply not my loan! Please contact Experian and advise them to delete this negative information off of my Experian credit report. The account in question is showing on my Experian credit report as : XXXX XXXX XXXX XXXX # 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 2015-10-17
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Adding money

Complaint:
Not able to access direct deposit funds. Call member services for Rushcard and all I get is it should be available soon, we are working on the problem, and we had a system outage. This has been an unacceptable issue for way to long. My bills do n't wait for apologies. If this issue was truly caused due to a system switch, would n't make sense to go back to doing it the original way until you tested the new way before you implement the new system. 

If that is truly the case this was a tremendous fail with no back up plan and no concern for hardworking consumers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-16
Company: Empowerment Ventures, LLC
State: NC
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
My name is XXXX XXXX I was a customer of rushcard for 3 years. On XXXX/XXXX/2015 a direct deposit of {$720.00} was deposited to my account. On XXXX/XXXX/2015 my account became frozen and I was unable to get any monies. I had just moved to XXXX from XXXX because of my job. I had to borrow money from my job and coworkers because I moved down here alone to help pay my rent and bills On XXXX/XXXX/2015 was was given {$430.00}. When I called the customer service to complain about the monies that was n't on the account.I was on hold for 2 hours and they stated that was paid in full. The CSR staed that the transactions from me going to the ATM took off {$3.00} each time I checked on my monies. I change accounts for my direct deposit and they state they do n't owe me anything. Rushcard owes me {$290.00} plus compisation for putting me behind in my bills and still owe co-workers for helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the second year in a row, I am expected a $ XXXX escrow refund from Quicken Loans. Essentially, I am giving Quicken Loans an interest free loan. They do not pay interest on this money back to me. It is absurd that they do not adjust my escrow and instead keep what amounts to an extra mortgage payment for one year before providing me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have called regions bank due to a fraudulent account that was opened using my information. I informed them that I am a XXXX of XXXX XXXX and no one is willing to help me close the fraudulent account and report this as identity theft. I will not be responsible for fraud committed on this account as I have completed my due diligence by informing the company of the fraud that has happened. They are to be responsible for all damages caused to themselves and to my credit by being negligent when identity theft is reported.

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 2015-10-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX and Experian on line dispute webpage do not allow you to complete your dispute on line. XXXX does.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation