BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-13
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I originally had a store charge with XXXX XXXX. Admittedly, I irresponsibly did not pay the debt because of family issues and fell behind on payments around XXXX. The debt was sold to Midland Funding and was actually removed from my credit report XX/XX/XXXX. I had owed a total {$490.00}. I just last week received a notice from Midland asking to send them a settlement of over {$800.00}! If I did not know better I may just just them money. But I just checked my credit report and know I do not owe them money.

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 2022-04-20
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX XXXX and XXXX of 2022 I disputed inaccurate and outdated information on my Equifax report. Equifax has failed to remove the account and has violated my rights under the FCRA. The account is to old to be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive a written or verbal notice giving me the opportunity to dispute or pay the debt. I was made aware of the debt when my credit report was pulled recently for a home purchase. This collection did not appear on my credit report pulled XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Accounts Research, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked this debt collector to only contact me through my Cell and home phone, they keep calling my work and mailing notices to my job after I had already gave them my home address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We paid our Mortgage in full in XXXX of XXXX. 
I sued this crminal entity in XXXX for fraud. In discovery Ocwen admitted All payment made in 13 years were never paid to a XXXX. Unfortuately NH allows such fraud to continue because homeowners can not challenge the fact that the loans are never placed in the trust allowing servicer to pocket the money owed to the trust. I filed suit because Ocwen filed XXXX different lien releases with the registry. Ocwen release, sand canyon, and XXXX XXXX? Interestly enough the lien is released by from a trust that was never paid a dime. 

After the case was dismissed by the court in an effort to further damage my credit Ocwen in XXXX of XXXX falsely began reporting to XXXX, XXXX and XXXX that I had aquired a new mortgage serviced by Ocwen in the amount of {$60000.00}. It is listed as a home mortgage joint account interestingly enough the account only appears on my credit report. I found this out after i had aquired a new car the net effect of the current fraud is a high interest rate, higher downpayment and higher life of loan cost and lower credit score. I was recently denied a loan because i owe to much on a mortgage that does not exist. 
I will be filing a new lawsuit at least now i can challenge this criminal entititys frauds. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: LENDER LIVE
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
LenderLive was acting as loan processor for a loan for me. I refinanced the house and the loan was paid off in XX/XX/XXXX. I expected a check for the $ XXXX in escrow they were holding, but after multiple telephone calls to them at ( XXXX ) XXXX, I still have not received a check. 
The first time I called them, I verified the address they were sending the check to with their representative. The address they had on file was correct. Since then I have spoken with them XXXX times and everytime the reason for me not having the check is different. The last time ( on XXXX XXXX ) I was told they had overnighted the check to me XXXX with it coming back to them as undeliverable. The really strange thing about this is that I received something at the same address ( from them ) XXXX weeks prior. In that conversation, I gave their representative ( XXXX ) my work address and she said I would have a check Friday morning or this morning. Our overnight mail just came in ... no check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX in XXXX, NC has refused to remove a derogatory account on my credit report. I lived there from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX. I left there with a zero balance. I have called numerous times to have them fix the account, and they will tell me it will be taken care of, and it is still on my credit report.

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 2017-03-08
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was a joint account with XXXX and was paid a long time ago. I was told by this company that it would be deleted from my credit report and it still shows.

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 2015-05-30
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
RE : Hunter Warfield Inc ( # XXXX ) I called the number provided when first contacted in writing by Hunter Warfield. I spoke to a representative on the phone attempting to make payments according to my financial capability. The representative was very rude and scoffed at my earnest effort to pay the bill over time. He said that every time a monthly payment would be made, that the company would charge an additional {$14.00} fee for payment acceptance thereby almost negating my attempt to pay over time. The representative offered no other solution to my problem except to threaten wage garnishment and court costs. In addition to these pressure tactics, Hunter Warfield contact my same phone number throughout the same day, every day, even late at night. This company went so far as to contact my employer several times almost causing me to lose my job. Please investigate this company as I believe that they have violated my rights as a consumer and this matter should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My credit card was transferred to a collection agency a month after I filed bankruptcy. The payment was n't even 30 days late yet. 
And is now reflecting as a collection account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of American can not provide assist me with my second mortgage that was charged off during the foreclosure in XX/XX/XXXX. I fought five year to keep my home in which the foreclosure was rescinded and I received a modification. First payment of the modification was XX/XX/XXXX. I tried to refinance last year due to the fact that my interest rate stayed the same ; 6.375 %. I was not going through BofA for the refinance. I was asked for the clear title for the second mortgage ; however, BofA can not provide me anything nor provide any assistance to how to get through this hurdle regarding the charge off. When I contacted BofA I was told that I could not refinance until four years of having the modification. However, I was told at BofA when I got my mod documents notarized I could refinance any time. The charge-off is to be removed from my credit report XX/XX/XXXX ( I have not check ) ; however, it still remains that I ca n't get any help on the charge-off of the second mortgage. I will be XXXX this XXXX and the high mortgage is creating a financial hardship. I could get some relief with a lower payment by refinancing and a lower interest rate. I fought to keep my house and those non-payments were added at the end of the modification, which I understand. I just want the charge-off cleared up so I can refinance. I really need some assistance in this matter. I wish I had known of CFPB when I was fighting to keep my home from XX/XX/XXXX - XX/XX/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 2015-08-10
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Each time that insurance premium is due, they ( OCWEN ) say do not have insurance. They pay late. This time they have not paid, and I now do not have insurance, but I bet they are going to charge me to have their ( OCWEN ) insurance. You can get backup from me and my insurance carrier. They also, for a time was not applying that paying extra monthy, that paying bi-weekly and not sure where that extra money was being credited. When reported them last go round, I went from owing about XXXX to XXXX just like that. The company is not easy to get a person and if you do, they can not tell you anything, you must contact this number. We pay on time and extra, and I expect to have coverage on insurance. At this time, I am working to get a payment to my insurance, but I bet I have a letter coming about having to pay their insurance because they can not provide I have insurance. I have emails showing they are being contacted and that they handled last time. This is a very questionable company, and I am at risk because of their questionable business ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: PNC Bank N.A.
State: FL
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
A 20 year loan at .0875 simple interest, in XX/XX/XXXX and ongoing, we have made {$17000.00} in principal only payments, as allowed by our original contract ( XX/XX/XXXX ) and interest has been taken out of those payments. There are other anomalies in the account history, that are different from the actuarial table. We have not been given an explanation that is much more than making the numbers say what they want. We have been trying to pay this off since XX/XX/XXXX in person at PNC Bank XXXX Fl. and 26 phone calls, many not answered or returned, since then. The payoff amount is always about {$4000.00} high by my arithmetic. PNC Bank and we have been going around on this since late XX/XX/XXXX. It is my opinion they ( PNC Bank ) is stealing {$4000.00} from us and with the continuous avoidance and runaround {$6.00} a day in interest since XX/XX/XXXX. Mostly they, ( PNC Bank ) continues to not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen is our servicer for our loan. I fell behind a couple of months XX/XX/XXXX. I stayed in constant communication with them to try to modify or get caught up with my payments. They gave me a different amount to pay every time I spoke with someone and they even game my cousin who is an attorney a different amount than me within 10 minutes of calling them. Then XX/XX/XXXX, they called me and told me that I was approved for the modification. I agreed to send them 3 months of payments to show good faith. I even sent the payments via fed es on XX/XX/XXXX. That very same day, they claim that they served me with a summons to foreclose. I do not recall at all receiving that bc I would have been really taken a back considering I just sent them 3 months of payments per our agreement. Now, they are trying to push a sheriffs sake on the property all the while their customer service e dude is lying to me staying my property is absulutely not in foreclosure. I 've still been trying to work with them in the modification. I e never been denied but they keep stringing me along stating that they need different Infornation. I feel completely taken advantage of, they lied abs completely misled me all the while trying to sell my property while they tell me it 's not in foreclosure. Please help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: HW Holding, Inc
State: MO
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 company purchased a rental property in the middle of a lease and think they can charge me for 10+years old carpet that was due to be replaced at no expense to me by the previous owner. Under no circumstance am I responsible for this debt. It should be removed asap. The collections agency calls all hours of the day interrupting my sleep because I work nights and when I answer their is seldom someone on the line

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have called National auto finance to speak about my ex husband XXXX account which is paid in full. I only cosigned, He is active military. 
I have disputed this account for being in derogatory over 5 times on my credit report. Every time I call they say they ca n't find the account. But continues to dispute back negative on my credit report.

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 2017-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
FRAUDULENT BILLING FROM COLLECTOR FOR INCOMPETENT HOSPITAL BILLING DEPT.I HAD 100 PERCENT COVERAGE INSURANCE FROM ONE OF THE LARGEST MINING COMPANIES IN THE WORLD.XXXX PAID OR WOULD PAY XXXX PER CENT IF THEY WERE BILLED WHEN I PROVIDED COVERAGE INFO AT TIME OF SERVICE.SEE ONGOING CFPB INVEST. XXXX AGAINST COLLECTOR

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 2017-03-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts on my credit in which I have asked the creditors to " validate '' their information. Validate if I was ever late, details when, validate if a debt was mine- I just keep on getting same response : nothing. my rights under FCRA have been seriously violated. law says if a creditor can not validate/prove in 30 days of my dispute, they must remove. I am writing to you about XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I will give account numbers upon request.

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 2015-07-16
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I found out I was going to be out for XXXX surgery. I would be out fo for 3 months. I was able to contact my creditors and have payments reduced r for this period of time do to XXXX only covering 65 % of my salary. Ocwen, my mortgage holder, gave me a hard time about this, barely understanding tanding them, she said she would send a form to fill out and it would be reviewed for consideration. form received and sent back. I did not hear anything from them so we struggled with the the full mortgage payment. For a company who says they will work with you it seems like smoke and mirrors. no one else had a problem adjusting for me. I I t seems iam held hostage for a medical problem that I had no control of. Can this be removed from my credit report so I can move on? Thanks for consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Ocwen Financial Corporation
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My wife and I have a first and second mortgage through Ocwen. Our mortgages went through a loan modification a few years ago under which XXXX of the terms declared that upon sale of the loan ( or refinance ) we would be subject to a fee of 25 % of the current appraised value of the home minus the amount owed on the mortgage. However, the fee of 25 % could be reduced based upon improvements completed on the home after the modification of the mortgage. We submitted the appropriate invoices for work that met the criteria of reducing the 25 % fee and we were denied by Ocwen citing that they " could not verify the invoices. '' The 25 % fee totals close to $ 25XXXX and the invoiced improvements total close to $ 20XXXX. We know the improvements to our property are valid improvements based upon the IRS regulations XXXX XXXX ; XXXX and do not expect to pay {$20000.00} to Ocwen because they simply " could not verify the invoices. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Fortren Funding LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please refer to case # XXXX. Realize that I have gotten XXXX different excuses from fortren funding and the title co, I Abstract on the whereabouts of my cashiers check in the amount of $ XXXX.First it was towards the title fees, Then I was told that XXXX failed to pay my taxes, then I was told that I spent the disbursement money for something else.Be advised that XXXX does n't have a clue to what he is talking about because he had nothing to do with this loan at the time.XXXX XXXX who stated that he was the Sr. loan officer taking this over on behalf of XXXX who I started this process with..It turns out at this time that the Title Co.in fact however discovered, that cashiers check did get lost and I should be expecting that check back according to XXXX at I Abstract Title Agency for the full amount.I was told this on XXXX.Now the funds that I have been paying for the last 18 months towards this shortage is the question of matter on how this gets fixed and recovered.Therefore, If I add up {$200.00} times the last 18 months comes out to {$3600.00}. And this is why I am not going away anytime soon about this factor.This is the reason I am and have been requesting a hearing so we can go over step by step with the proper authority and that the proper protocol was followed. In fact what XXXX XXXX does not want anyone to know is that I was told from him in early XXXX of 2015 not to draft anymore payments from my checking account to XXXX. When I checked my account on XXXX XXXX I was told from XXXX XXXX no action was taken yet and my taxes were still due. I had called XXXX and cancelled this deal immediately for misleading me..At this point is where XXXX XXXX called me up and explained to me that he already spoke to XXXX and that I had a grace period til XXXX XXXX, to pay those taxes in which " I would put the funds out in a cashiers check to the title when she arrives at my home on XXXX XXXX 2015, and that I will be getting most of these funds back in a month or so costing me about {$500.00} in out of pocket expenses '' And " that I should not have a problem coming up with {$2400.00} since I would be skipping 2 monthly payments '' ... I also have this document in writing from XXXX and XXXX XXXX in an e-mail.This is probably why XXXX is defending him and every time I call XXXX to discuss this matter to go over documents he blows me off and pretends nothing happened because the man is running and he is hiding from me ... yours truly XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
CAVALRY SPV I LLC AS ASSIGNEE OF XXXX, has filed a summons with the XXXX XXXX XXXX XXXX court in Florida. They are suing me for a debt that I do owe to a credit card company. I have never received any form of communication from this " debt collector ''. The only reason I even learned of the summons is because I filed for divorce in XXXX county Florida and I was checking my case. How can someone sue me when they have never sent me any form of communication nit even a phone call. When I found out about this summons, I called the law firm of XXXX XXXX, whom is representing the debt collector. After about a week they finally returned my phone call only to threaten me, by telling me that they will win their judgement against me and when they do I will be ruined and my credit will suffer even worse than it already has and that employers check your credit now so I would have a hard time finding employment. I am a single mom of XXXX trying to put myself through school so I can make a better life for them. I have no car, no job, and we live with my parents. When I explained this to XXXX from the law office she told me to get money from my parents. My parents are having a hard enough time trying to take care of us as it is. I do not have any way of paying them at this time. She told me she would call me back in a week. I have never heard of this company, they never sent me any form of communication about my debt, and now they are suing me. Please help.

Company response to consumer: Closed with explanation