BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-28
Company: ClosingMark Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job of many years in XXXX 2016, my wife and I began living off our savings and making our mortgage payments to South Pacific Financial from a account which was depleting fast. In XXXX 2016, I contacted my lender for mortgage assistance wherein, I completed a application and sent it in along with the documentation requested. In a letter dated XXXX XXXX, 2016 I received a denial for not being in imminent default. My current employer pays me Per Diem although my wife is still working our household income has been affected by this. My entire savings is less than {$4000.00}, currently I am using over 50 % of my income to pay my mortgage I can not go on. On XXXX/XXXX/2016, I sent documents to XXXX XXXX XXXX the supervisor to support our need for mortgage assistance and to appeal their prior denial, On, XXXX/XXXX/2016, a email was sent to XXXX XXXX following up on the status of my appeal, I heard nothing. When I contacted South Pacific Financial on XXXX/XXXX/2016, I was told that my documents never reached anyone within South Pacific and my denial stood. This is outrages! I am fully aware that the XXXX program ends on XXXX/XXXX/2016, I believe that my documents were held on purpose hoping that I miss the deadline. However, I contacted South Pacific executive office, specifically, XXXX XXXX XXXX who stated that he would look into the matter. Below is the message sent to XXXX XXXX on XXXX/XXXX/2016 : XXXX Good Morning XXXX, Thank you for reviewing these borrowers in order to confirm their status as being in imminent default. Please find attached documentation which supports the employment status of both borrowers past and present. The attachment includes their entire savings and checking accounts as it stands currently, I am sure you and or your underwriters will concur that these borrowers are unable to continue to pay the current mortgage and are eligible for mortgage assistance. 
Thank You XXXX There has been absolutely no communication from XXXX XXXX or from South Pacific regarding our appeal for mortgage assistance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NV
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed into buying a puppy over the internet which I paid by Money Gram {$700.00}. Then the shipper contacted me and demand {$1500.00}, then the next days demand {$1300.00} which I paid XXXX of those by Money Gram and when he demanded yet another payment of {$2400.00} I refused. Now I have no dog and no money. The dog breeder was XXXX and the shipper was XXXX Pets XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am filing a complaint against Ocwen Loan Servicing/XXXX Bank for utilizing BWW law group Attorneys At Law to use intimidation to force me to contact them while I was reporting their misconduct to OCC and Consumer Financial Protection Bureau. I recieved correspondence from this firm which had my complete history of my promissary note and deed of trust. In the correspondence that I signed for through the United States Post office XXXX VA. The letter stated, " This is not a demand for payment and this firm has not been retained for a lawsuit against you. '' This type of intimidation and bullying is a part of the abuse I have recieved from OCWEN Loan Servicing/Deutsche bank. XXXX XXXX XXXX XXXX requires financial institutions - companies that offer consumers financial products or services like loans, financial or investment advice, or insurance - to explain their information-sharing practices to their customers and to safeguard sensitive data. I never gave XXXX and XXXX attorneys or XXXX to have authorization to me or my ex husbands information. Will attached documents. My original note and deed said that the loan had to be kept as a VA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: LA
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-21
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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

Complaint:
I am being sued in a foreclosure by the loan servicer Ocwen XXXX. My loan was closed with XXXX XXXX and they are no longer in business, then XXXX assumed the loan and placed in a trust and the trust no longer exist now Ocwen sent me a letter stating they have a lien on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage payment amount changes each month. 
I never know how much I am suppose to pay. 
The company PennyMac XXXX CA XXXX I have tried to speak to someone about the constant changing of the mortgage amount I am to pay each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

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 2022-10-21
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Our vehicle is in the process of being repurchsed by the manufacturer. In order for the manufacturer to pay off the loan, we need a " Payoff Quote '' with the vehicle VIN Number and Account Number. The " Payoff Quote '' on the Ally Financial Website does not provide this information. We have called Ally Financial 4 Times, and each time they state that they will fax a " Payoff Quote '' to us. They have not done so. We can not get the loan paid off until they provide us an accurate " Payoff Quote. ''

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 2015-06-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX, I submitted a complaint previously against Ocwen Loan Servicing, my loan # XXXX. My complaint to the CFPB is case # XXXX, Ocwen replied to my complaint stating that they offered me a proposed mortgage modification with a balance reduction in XX/XX/XXXX and that I did not respond to the trial payments offered to me. Attached to the response was a copy of great offer that I never received by mail. I would have taken that offer! According to the response, I missed my chance and now my home went to sale XX/XX/XXXX. I objected to the sale and I am awaiting a hearing. Since XXXX XXXX XXXX, I disputed Ocwens response on the CFPB portal and I have not received a response to my dispute as of today, XX/XX/XXXX. My case is currently open and certificate of title has not been issued back to the lender. In my dispute, I explained to Ocwen that I never received the offer, and I wanted to know how they can say they sent me the offer without any proof of certified receipt and how they can give me a modification in XX/XX/XXXX when at that time I did not even fill out a modification application? I called Ocwen direct, and they had no record of an application that was filled out by me, and they have no certification of proof it was sent to me because they claim it was sent by regular mail. In my initial complaint with CFPB I also posted theemail exhanges I had with the plaintiffs attorney regarding a resolution by loan modification days before my trial on XX/XX/XXXX. The Plaintiffs attorneys asked me how I would like to resolve the matter and gave me a choice of loan modification. I immediately responded that I wanted a loan modification the same day on XX/XX/XXXX to XXXX XXXX, Contested Paralegal to XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I never got a response back since then. All I want is a fair modification to keep my home, but I am not getting any responses regarding this matter from Ocwen or Attorneys for Plaintiff, XXXX XXXX XXXX case XXXX XXXX. I could not respond to a loan modification offer I never received and I would like to get that offer from Ocwen again. 
Please respond on this site. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl. XXXX, phone XXXX. XXXXXXXXXXXX

Company response to consumer: Closed
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
15 U.S.C 1681 I did not authorize anyone employed by these companies to make any inquiry and view my credit. this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 15 U.S.C 1681 Section604 A Section2- it also states a consumers Reporting Agency can not Furnish a account without my written instructions XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX Requested On XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX Via XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. 
PERMISSIBLE PURPOSE : CREDIT TRANSACTION Requested On 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 2022-10-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX XXXX my husband and I were searching for a new, larger apartment for our family since I was XXXX at the time. We arrived at XXXX XXXX XXXX and decided this is where we wanted to live. The leasing agent provided us with a Move-in cost sheet indicating that it would cost {$2100.00} to move into the apartment. In order for them to approve us, they needed to perform a credit check and background check and instructed us to complete an application. Within the application it states we have 24 hours to change our minds and if after the 24 hours we are approved and decide not to take the apartment, they would then charge us one months rent equivalent to {$1500.00}. 

More than 72 hours later, the apartment complex called to tell us that we were denied based on our credit and the original costs to move in were no longer valid and that if we still wanted the apartment it would cost us between {$2500.00} and {$2700.00}. We needed time to think because that was not the original agreement and we could not afford such a large amount. On XXXX XXXX, I went on emergency maternity leave and as a result our financial picture changed and we decided there was no way for us to afford the large amount to move in. 

When we called the apartment complex to turn down the apartment they demanded we pay them {$1500.00} for one months rent since we signed an application agreement. We instructed them that we never signed a LEASE, and since they changed the move in costs required of us to move in, it nullified the application agreement. 

We contacted our friend XXXX who is an attorney and the apartment complex refused to speak to him ( and us ). Within a few weeks we received a collection letter from Hunter Warfield. A few months later I contacted the Attorney Generals office who forwarded our complaint to XXXX where they spoke to XXXX, the manager at The XXXX. XXXX agreed that the debt should be retracted. I spoke to XXXX who explained why they sent it to the XXXX credit bureaus but agreed that the debt should be retracted. The Florida Department of Agriculture was unsuccessful in reaching XXXX and Hunter Warfield. 

Thee problem was never fixed and XX/XX/XXXX I received another letter from Hunter Warfield who is still attempting to collect the debt and refuses to remove it from our credit reports, and after disputing it with XXXX, the smear still remains. I also went to XXXX to speak directly to XXXX who denied ever speaking to XXXX XXXX XXXX and could not recall who I was or what my complaint was ever about.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
So starting XX/XX/2020 I sent out letters to the bureaus stating that I believe that some of the information on my credit report was fraudulent and didn't appear to be correct. Waited 30 days no response so I sent it out again, XX/XX/2020 Still to this day I have yet to receive and mail regarding my investigation. XX/XX/2020 I sent a letter just asking them to investigate the negative accounts and didn't get anything. 
To this day I have yet to receive anything from the bureaus in regards to any of the mail that I've sent out.

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 2022-10-13
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citi best buy : states that I signed up for " debt protection '' I called to cancel said feature and asked to be sent a copy of me signing up for said feature and got a response that they were unable to provide a copy of my agreement because of the age of my account opened since 2011. But according to their " records '' I did sign up for debt protection. So they granted no refund of any kind for the fee paid monthly which equates to {$30.00} dollars per month since 2011

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 2022-10-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive written to Equifax as the name XXXX is listed on my credit report. XXXX is not my name and Ive never gone by that name. Ive sent them my Drivers License and Social security card to no avail. Equifax is the only bureau with this information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: VeriCore, LLC
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Vericore sent me the following in a email threatening to contact third parties about my debt which is not a confirmed debt. I have asked that they send me the information thru the mail and they continue to email me with threats They wrote this : For disclosure purposes, I must advise that such action includes but is not limited to contacting state regulatory agencies such as the Maine Secretary of State, ( to investigate any licenses, certifications, UCC filings, judgments, tax liens, and verify your corporate charter ), your current bank and current bank officers, ( to investigate any open lines of credit, average daily balance of the operating account, and to verify if the your company is capable of obtaining a line of credit to satisfy its obligation ), all secured creditors and any vendors listed on your credit application ( to verify what terms you have been extended, inquire about any past due balances or recent payments, etc ), as well as the local tax assessor or your current landlord, ( to determine if you are current on your property taxes or rental lease ), XXXX, and the local XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX phone is showing up on my credit report, indicating that I owe this company {$1800.00} and it is at a collection agency. I do not have any record of this debt and do not believe that I owe this money. I have repeatedly contacted the collection agency but they will not send me any verification of this debt nor what it is about. Also, XXXX does not show that I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pulled credit report. Found a suspicious entry on my credit report for a LVNV Funding LLC . After writting the collection company and LVNV Funding LLC informing them that I 've never heard of them ; never used any products or services from them -- they refused to removed the information from my credit report. 

I do n't even know who LVNV Fudning, LLC is nonetheless used a product from a bank called : " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I have filed a dispute in regards to the incorrect item on my credit report, it has been over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation