BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, In XX/XX/XXXX after the fall of the Mortgage business, my second mortgage loan was charged off by the servicer XXXX due to my bankruptcy filing in XX/XX/XXXX. After being unemployed for XXXX years, I was no longer able to keep my BK payments of {$2500.00} per month and my chapter XXXX was dismissed but not prior to my unsecured debts being charged off in bankruptcy. I then request that my XXXX mortgage loan be modified by Litton Loan. However, Litton Loan Servicing company was closed down at the end of XX/XX/XXXX and my loans were transferred to Ocwen Loan Servicing. Ocwen modified my first loan and invalidated my second mortgage. I have been paying on this modified loan now for over 4 years. I am now being contacted by XXXX XXXX, a collection agency, in an attempt to collect on the charged off XXXX mortgage debt under the name of Ocwen Mortgage. Ocwen Mortgage said that they have nothing to do with that debt. I 've asked both Ocwen and the collection company for the name of the investor they are collection payment for and I can not get an answer. The leins are recorded in the name of XXXX Mortgage, the company that fund my mortgages, however they filed chapter XXXX bankruptcy in XXXX and the bankruptcy case was closed in XX/XX/XXXX. I have attempted to contact XXXX Mortgage with out any success. I have also contacted the trustee that handled the bankruptcy and they have no contact information. Through MERS I found the investor listed on my first mortgage as XXXX Bank as Trustee for XXXX Mortgage and the second was listed as XXXX XXXX XXXX for XXXX Mortgage. I contacted B of A and they could not find an active account for the second mortgage and was not able to help me any further. If the debt of the second mortgage still exhisted in the name of Ocwen, why was this not address at the time of the loan modification. I do not have proof that either Ocwen or LCS Financial has any rights to collect on my mortgages and I am asking that they prove that they have the right to collect on these debts. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CarMax, Inc.
State: AR
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 RECENTLY TRIED TO BUY CAR FROM CARMAX, I AUTORIZED THEM TO PULL THEM AND XXXX  XXXX XXXX XXXX TO PULL MY CREDIT REPORTS, WE DROV TWO HOURS TO PICK UP CAR AND WAS TOLD XXXX XXXX DENIED MY LOAN. I HAVE 6 CREDIT PULLS FROM XXXX  XXXX AND 1 FROM CARMAX. THEY ALSO, PULLED 11 OTHERS.ESPECIALLY OMN MY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of XXXX I suddenly started getting billing statements from University Accounting Services. This is in regard to a loan I took out from XXXX XXXX XXXX ( a now defunct company ) in XXXX. 

I had last paid on the account in XXXX of XXXX. I had heard nothing from XXXX XXXX XXXX or any of the subsequent owners or servicers of this debt until now in terms of debt collection. 

The attempts by University Accounting Service violate Minnesota debt collection law as the statute of limitations to collect on this loan was under Minnesota law 6 years from the date of last payment or XX/XX/XXXX as the last payment made by me on the account was on XX/XX/XXXX. 

During the near decade since they had last communicated with me, I have lived at the address I had in XXXX as well as two subsequent addresses including my current address that I have resided at for four years. These addresses are in three different counties within the State of Minnesota.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been paying the original loan now for over 12 years. Although they gave me a hardship plan I know that they continue to make monies from I debt already paid. How much interest are these companies allowed to extort. I am considered a high risk patient I no longer stand to be used. My initial sebt started in 2003.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/21, Specialized Loan Services flagged my XXXX credit report that my loan with them was " 119 days, 4 payments late. This is not true ; we had negotiated a " covid '' loan modification, which they proposed. I signed the agreement in XXXX, but then they said there was an error made by them in the documents, and I resigned. 
There must be some penalty that can be imposed on them for making bogus entries on m y credit report, hurting my credit when they know full well that we had an agreement that modified the monies that were in forebearance.

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 2015-07-14
Company: U.S. BANCORP
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
While I was XXXX due to Military Service, my vehicle was financed through US. Bank. But a Company call XXXX was handling the payments but they went out of business in XX/XX/XXXX while I was unable to communicate Stateside. I was not notified of this matter until I got home XX/XX/XXXX. I have sent numerous emails asking how I should resolve this situation and got no reply from US. Bank. Since I got home I called US. Bank and they are telling me that I have to pay the entire car loan off, and they are threatening to repossess my vehicle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Account Resolution Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written this company a dispute as I have no idea why they are on my credit, and I have never heard from them at all! Either I must have the wrong address or there is something completely wrong with this account! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My wife and I walked into the XXXX XXXX M & T Bank branch in XXXX XXXX, XXXX NY to close all of our M & T accounts on file ( for myself and my wife ). We clearly stated our intentions to close all accounts and move on from this bank. After a half hour or so, we had exchanged cash where applicable in order to zero out each of our XXXX accounts. The banker told us we were completely closed out. We left the branch that day under the impression all accounts were closed per our discussion with the bank rep whose name is XXXX. A few weeks later we discover my wife 's " overdraft line of credit '' was in fact left open ( against our wishes ) and was now showing a negative balance of XXXX {$60.00}. The banker only actually closed XXXX out of XXXX of our accounts ( left my wife 's " overdraft protection '' line of credit open, even though the checking account it was linked to was closed ). So we immediately call the branch and we 're initially told its not possible to close the line of credit without coming into the branch. My wife explained to the rep its extremely difficult for us to come to this branch as its not close to our residence. Finally the rep says she will close the account and mail us a bill for the remaining balance on the account ( telling us that they waived a late fee ). 3 weeks go by and we do n't receive anything so we call again. This time we speak with a third rep who tells my wife to mail in a check for XXXX {$30.00} which will close out the account and we 're assured the account will actually be closed this time. We leave for a one-week vacation and when we return theres a letter from M & T Bank which is dated 3 days before our previous phone call and states that there 's an overdue balance of {$1.00} which at this point is 50 days past due and that this has been reported to credit bureaus. Sure enough we check my wife 's credit report and now see XXXX delinquent account on her report. This is the first and only delinquency on her credit report and her score has already dropped by XXXX points. We 've spoken with the branch manager named XXXX who is currently researching the issue has told us he 's not exactly sure if this is the bank 's fault and can not promise a reversal of the negative reporting to the credit bureaus. We firmly believe if the first banker ( XXXX ) had simply closed the overdraft line of credit the first time we visited the branch ( as we had asked for and assumed had happened ) there would be no issue and nothing negative to report to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, a customer paid my business using XXXX. XXXX will not give me my money because I don't have a traditional phone number. I would not have known this before the customer paid me via XXXX because I do not typically use XXXX. Regardless, me not having a traditional phonr number does not give XXXX the permission to steal my money. I want my money, and I don't care how they get it to me.

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

Complaint:
I was contacted by XXXX XXXX XXXX license # XXXX he said he was a lawyer representing XXXX XXXX in XXXX, XXXX XXXX and stated that my cel # was chosen as a XXXX place winner for a promo for the new dealership. I did not provide personal info, except for what he already had which was my full name and cel #, I did give them my address because he said they would deliver my prize personally. He then said that in order to complete the process they needed XXXX for license, insurance, etc via money gram. He said when I receive the car I was to give him the Money Gram receipt that contained the reference # so the money could be claimed ; when I filled out the Money Gram it was sent to a woman named XXXX XXXX in XXXX, RI whom he said was the promoter for the dealership. According to Money Gram 's website when a person picks up money sent to them, they are to provide a valid ID and the reference #. I never provided anyone with a reference #. So, an hour after realizing this was all a sham I went back to the Money Gram store where I made the transaction to request a refund, but the money was already claimed. The woman at the counter told me that not all Money Gram stores are alike, some do n't need the reference # in order to pick up money, they only need the name, tel # and $ $ to claim it. So, I contacted Money Gram I made a complaint and the only info they could provide me was with the city and state where it was claimed and that I had to file a claim at my local police station and that they will provide the police with all the information requested. I need help in stopping this sort of thing happening to someone else and have all Money Gram stores change their policies to have everyone picking up money to provide a reference # in addition to a valid ID like a license or passport. Thanks in advance for info or help provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: M&T BANK CORPORATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
In early XXXX I wrote the bank and asked them about having the PMI removed from my loan. I received the letter from them dated XXXX/XXXX/XXXX stating that 2 conditions had to be met to remove the PMI from the loan. 
1. At least 5 years have elapsed from the date your loan closed ; and 2. Your loan to value ratio ( " LTV '' ) ratio is 78 % or less. 

The letter denied the removal and stated that I would reach condition XXXX by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: M&T BANK CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX, a representative from XXXX XXXX issued a Scope of Loss that provided itemized details of how the claim funds provided were to be dispersed ( see attached ). On lines # XXXX and # XXXX of the Scope of Loss, XXXX was the named party and were to be paid {$4900.00} and {$7000.00}. On line # XXXX, XXXX XXXX also provided claim funds in the amount of {$100.00} to " stain and finish wood window ''. Per the Scope of Loss, XXXX should have been paid a total amount of {$12000.00}. 
On XXXX XXXX, XXXX, a representative from M & T Bank sent a letter confirming that the signed contracts they received from XXXX was for the amount of {$11000.00}. ( See paragraph # XXXX ). This letter also provided a breakdown of how they issued the claim funds that were received. 
According to the breakdown that was provided, M & T Bank issued funds to " XXXX '' on XXXX XXXX, XXXX in the amount of {$5900.00} and XXXX XXXX, XXXX in the amount of {$3500.00}. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, a total amount of {$9500.00} was issued to XXXX by M & T Bank. 
When XXXX XXXX sent claim funds to M & T Bank, it was accompanied by the aforementioned Scope of Loss. M & T Bank also received a copy of the signed contract from XXXX. M & T Bank has admitted, in writing, that they have only issued claim funds in the amount of {$9500.00} for XXXX. If M & T Bank received a contract from XXXX for the amount of {$11000.00} and a Scope of Loss from XXXX XXXX indicating that XXXX was to be paid {$12000.00}, then there is no less than {$2400.00} due to XXXX. Unfortunately, M & T Bank has refused to pay this amount. 
M & T Bank had a fiduciary duty to ensure that the funds provided by XXXX XXXX were issued appropriately. Unfortunately, as of XXXX XXXX, XXXX, M & T Bank has failed to fulfill their obligation to responsibly care for and protect the asset located at XXXX, Illinois XXXX. This misappropriation of funds is illegal and is a felony. 
I have been getting the runaround about these funds for over a year. This is my final attempt to resolve this issue with M & T Bank before I begin to file complaints with other authorities who take this very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Receivables Management Partners, LLC
State: DC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Berks Credit & Collections , Inc at XXXX XXXX XXXX XXXX, PA XXXX. The staff I was speaking with XXXX, trying to let her know that the debt notice was incorrect and I had cleared it with the Doctor. She then told me that my insurance did not pay the debt and it was referred to them from the doctor. I asked if she knew the insurance did n't and she said yes. When I told her I had paperwork from the insurance showing it was paid right in front of me and that she was lying. I requested the info form her that my insurance did n't pay the Doctor and she said she did n't have to give it to me. She then said she was going to hang up on me because of how I was treating her. I never once raised my voice or yelled at her. When I was asked her for info on the company so I could report it to the cfpb she hung on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made an application for an interest rate modification from M & T Bank. The home values in my area are below my mortgage balance. I tried XXXX toget them to adjust my interest rate to reflect the market, they have refused on both occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: NEW YORK COMMUNITY BANK
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife lost her job about 5 years ago now. We currently find ourselves trying to re-negotiate our loan, but because New York Community Bank issued this mortgage through XXXX which has very strict guidelines which prohibit us from reducing our loan payments via modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PHH mortgage mailed an escrow statement on XXXX, XXXX according to their website. We received the escrow statement on XX/XX/XXXX. The statement was indicating that the escrow account had a shortage of {$4100.00} dollars. The document went farther to provide two options : 1. Increased my monthly payment by the next 48 months by almost {$200.00}. 
2. Pay a lump sum and my payment only goes up by {$100.00}. 

{$410.00} was coming out of my monthly payment XXXX mortgage and I do not understand the shortage because 12 months of XXXX does not equal XXXX dollars. 

1. I should not have to pay anything except for my normal monthly payment because the escrow should not be short. 

2. If I am forced to pay the balance ; then I need an option three where I pay the balance in full within a 3-5 month period instead of a few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$1200.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Focus Holding Company
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
There was a claim issued against my State Department of revenue by a debt collection agency for a medical bill that exceeded the statue of limitations in my state of south Carolina. According to SCCLA XXXX it is 3 years. Secondly there was not proper notice of such claim provided to me by this agency or the original debtor which would have afforded me the opportunity to dispute such claims according to SECTION XXXX of South Carolina laws.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2016-08-13
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I started having my wages garnished by a law firm for a 5 year old auto loan. The court order for wage garnishments was obtained by the law firm in a county I have NEVER lived in. 

I was never served any notice. I was never given a chance to represent myself in court. Now my paycheck is being garnished ... I have new bills to pay ... I 'm trying to just survive .... When I heavily rely on others now to just even live ... I 'm just trying to move on from what happened years ago and this company just started stealing my paycheck. I feel like I 'm never going to recover ... 

I never had a chance to appear in court ... I was blindsided since I was n't served any notice. And I feel like I 'm going to just keep drowning in debt because what happened five years ago continues to ruin my life. They refuse to provide me any of the payment history or account notes. I have no proof of where they are getting the figure for me on ... How can they obtain a judgement for me when I do n't even know how it 's so high? Is it even legal to collect on debts this old? Or am I going to keep being harassed and punished for losing my job after my ex wife took my kids because she had an affair many years ago .... This company already repossessed the car 5 years ago ... Why are they coming back for more money again ... Was n't that enough?

Company response to consumer: Closed with explanation