BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-30
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am unable to open a bank account due to information on file with Early Warning. XX/XX/XXXX : Called Early Warning was told issue had to do with XXXX XXXX in XX/XX/XXXX , but she couldn\'t tell me more until I had completed a consumer identification form with copy of the drivers license ; submitted both that day. ( I originally did not include my ss # on the form as I wasn\'t comfortable providing to random company asking for it. ) No confirmation, email, voice mail from Early Warning\XX/XX/XXXX : Resubmitted consumer ID and certification form with SS # and drivers license\XX/XX/XXXX : Received voice mail from XXXX stating my request was received for processing and that it was " just about done '' and should be " mailed within a few days, either tomorrow or Wednesday ''. That it would be coming from Arizona and to allow a couple extra days to receive. XX/XX/XXXX : Emailed Early Warning again - where\ 's my reportXX/XX/XXXX : Second voice mail from XXXX stating that yes she originally told me it was just about done, but now they need a copy of my social security card in order to mail file report. No one from Early Warning called/emailed me at any point to tell me they needed additional information ; I was originally told that all I need to submit was copy of DL, which I\ 've sent them twice.XX/XX/XXXX : Called Early Warning spoke to XXXX. Told that b/c I didn\'t provide my ss # in my form they now needed copy of my card. Explained I resubmitted form on XX/XX/XXXX and had vm from XXXX stating it was in progress. Then XXXX tells me they need the ss card because when the \ '' ran XXXX '' it came back with a different name. Which is it - XXXX XXXX in XX/XX/XXXX, no ss # on first form or different name attached to ss #? XXXXAll communications with Early Warning have been initiated by me, I have provided requested information and documentation, each time they have an excuse for why the report is not sent and they\ 've given me XXXX issues of concern ( if true ), but because I don\'t have the report I don\'t know what I\ 'm dealing with. None of this appears on my credit report from XXXX, XXXX or XXXX. I log in to SSA.gov to review my report - nothing there either. How do I even know this is a legit company? I honestly don\'t know if I should send a copy of my card, but if I don\'t they will continue to prevent me from opening new bank accounts or bank loans. I have all emails and I also have the two voice mails left by XXXX. This is past the point of ridiculous and it feels like a bank scam. I have proven who I am with my driver\ 's license ; address on form = address on drivers license = where to mail it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: MARINER FINANCE, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This company called XXXX and stated that I owed {$830.00} on a loan from Mariner Finance. XXXX XXXX was rude and disrespectful and stated they were going to sue me and garnish my wages. I was told previously by Mariner that the account was paid off. I called Mariner back and they stated the dealership paid off my entire account except {$91.00} dollars. I called back XXXX and the guy would n't listen to what I said. Spoke nasty to me and called me an ignorant 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 2022-05-25
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 sent a letter last XX/XX/XXXX to remove these negative items ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX Balance : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.

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 2015-07-02
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX my Chapter XXXX Bankruptcy was discharged, and Ocwen was included in the Chapter XXXX. 
In XX/XX/XXXX I applied for a loan modification with Ocwen. 
In XX/XX/XXXX, I was approved for a XXXX loan. I as well as Ocwen signed the documents. 
Since the modification, Ocwen reported my payments to the XXXX main credit bureaus MONTHLY. Which helped build my credit. 
In XX/XX/XXXX, my credit score with XXXX was XXXX ( fair ). I got credit card offers and was approved for XXXX credit cards. 
In XX/XX/XXXX, Ocwen sent me a letter stating they had reported in error and contacted the XXXX main credit bureaus, and told them my account was closed, removed all of my on time payments, and now refuses to report my payments. 
in XX/XX/XXXX my XXXX credit score dropped to XXXX ( poor ). Now I have been denied an auto loan, and multiple credit cards. 
I would like Ocwen to report my payments, but since they cant, and ruined my credit. They should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Risecredit, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My XXXX year old mother was solicited by a predatory lender, RISE for a personal loan. She agreed to a {$1300.00} loan but was told the California law stated the minimum loan amount was {$2600.00}. Her interest rate is 125 %, how is this legal? She is on a fixed income and RISE has set up an auto pay with her checking account with a monthly payment of {$470.00}. No income documentation was required from RISE to determine her ability to repay the loan. How is this legal? This is elder abuse! Please shut this company down

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I started to receive correspondence from National Recovery Agency for medical bills my ex-wife had acquired, I contacted National Recovery Agency to the matter, they claimed it was my responsibility, I gave the bills to my ex-wife and told her to take care of the matter, After that I never heard from National Recovery Agency again, on XXXX XXXX, 2015 I ordered my credit report and their were XXXX open collections from National Recovery Agency, again these are not my bills, thank you for any help in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20
Company: ORG GC GP Buyer, LLC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am being called multiple times on my cell phone and home phone about a student loan taken out in XXXX when I was in college. GC Services, claims they are calling on behalf on XXXX, calls repeatedly, even after being told several times that I am making payments in early XXXX, and to stop repeatedly calling. They 've called more than 7 times a day sometimes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Per request of CFPB on XXXX consumer is resending the Qualified Written Request to be answered by Ocwen. A qualified written request was sent to CFPB and received by them on XXXX and was not assigned a case number for Ocwen to respond to. Ocwen is in receipt of the attached QWR and should respond accordingly to CFPB. Consumer requests that the attached QWR be resent to Ocwen so that consumer may retain their right to dispute any documents submitted to CFPB by Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Risecredit, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
The company Called rise. They sent me a pre-approved letter for a personal loan of {$1000.00}. I get these letters all the time. But this time I got one when I really needed the loan and thought I would accept it. Because it would get me caught up on my bills this month. So I went to the web-site created the account. And applied how ever their web site changed my addressed state to Utah. And would n't let me change it. In the end the turned me down because of the Utah state that their website would n't let me change. They ran my credit. Yet again. The back of the letter says " pre-selected means we have reviewed your credit history and have selected you to guarantee an offer not to exceed the amount indicated on your letter. '' My letter they are offering me {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: ASTORIA BANK
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My home insurance policy covers XXXX years for one-time only fee. My mortgage bank ( Astoria Bank ) is supposed to accrue the insurance premium over the XXXX years. Each time I renew my policy the bank recalculates my escrow payment incorrectly, forcing me to pay {$1200.00} more per month until I complain and they spend the requisite few months correcting the error. They will not call me to confirm that they 've sorted out the problem. I have to call them every XXXX weeks until they confirm, waiting in the queue for many minutes during my busy workday. Meanwhile they threaten me with ~ {$250.00} fines if I do n't make a full payment - a payment that has grown by {$1200.00} overnight without any change in my interest rate, taxes, or insurance rates, so it is obviously incorrect. This is my XXXX renewal and my XXXX time dealing with their incompetence. I am starting to think the mistake is willful - the bank gains the interest on an escrow account balance that is n't needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
There was a court order payment of {$260.00} to be split between my ex husband and me. I have maintained a regular payment of XXXX to the mortgage lender, chase bank. However, my ex has not fulfilled his part of the payment but chase continues to report it as a negative or delinquent account on my part. This is taking an XXXX on me as a single mom with XXXX boys. I ' like the negative reports be removed and the previous negatives corrected as a true reflection. I 'm afraid this will affect my ability to secureany future loans on some reasonable terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions 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:
I have not applied to any of these merchants. Why are they listed on my reports as inquires? 

XXXX XXXX Accept You applied for an auto loan on XX/XX/XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXr You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX  You applied for an auto loan on XX/XX/XXXX XXXXXXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/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 non-monetary relief
Consumer complaint received 2016-07-26
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received and email alert from XXXX XXXX, stating there were changes in my credit report, when I checked there is a collection from Midwest Recovery Systems for XXXX XXXX for {$630.00}. I do not have any knowledge of this debt nor have I received any communication by phone nor written from these people letting me know anything nor validation of debt. I demand this item to be removed from my credit report since they violated the FCRP by not notifying me of this debt nor proof of validation, and completely be removed. I have also filed a dispute with the credit report company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX is an account that has been closed. It was sold and re aged to XXXX XXXX. I never had a contract or account with them. I asked them to remove the matter or supply legal proof saying I owe them but they will not. I do n't accept company letterhead saying I owe you. XXXX XXXX also sold this account to XXXX a collection agency which sewed me. I had to pay XXXX dollars to a lawyer!. I won my lawsuit. They did n't have no proof I owe them and they took XXXX off the report. XXXX XXXX still would n't removed it. They are performing illegal acts against me and towards my credit which has stopped me from obtaining new credit because of this delinquent account. I would appreciate help with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dynamic Solutions has been calling my house # and once even called my cell. These people called my house using local phone numbers such as XXXX, XXXX and XXXX. The calls come in at any time and they even leave voice messages asking me to return the calls at XXXX ( of course I never did ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05
Company: AMERICAN INTERNET MORTGAGE
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The loss claim process at AIMLOAN is utterly disappointing. While all others in our neighborhood recently struck with a damaging hailstorm have all simply had their insurance claim checks endorsed by their mortgage companies within a day of receiving them and with no further strings attached, AIM finally sent the XXXX of XXXX checks, XXXX weeks after I submitted the XXXX forms of required paper work and they misspelled the roofing company so now I get to wait another week. They require all kinds of endorsements and inspections among XXXX separate disbursements. I have a damaged roof waiting for the AIM process. After finally receiving a correct claim check after XXXX weeks, shingle prices increased causing an additional {$310.00} out of pocket cost to us. I believe their loss claim process is too onerous with the threshold set too low ( {$10000.00} ) Our claim is for a total of {$18000.00} making this a very difficult process. I own & gt ; 50 % equity in my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX and I am filing this complaint in the name of XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX She is XXXX XXXX XXXX with signs of XXXX and XXXX  related XXXX XXXX. She and my brother were married over 40 years when in XXXX of 2021 both got XXXX. My brother died, his wife survived XXXX bouts of XXXX and nervous breakdowns. She is unable to XXXXXXXX XXXX XXXX and will often forget vital information when anxious such as her address and name. She is currently receiving social security assistance due to her diagnosis. 
While she has family she has no estate and income other than government assistance. On her behalf, I tried to resolve the debt 's left by my brother after he passed and asked capital one to stop harassing her with daily phone calls and threatening letters and calls. She just does not have the money to pay them back and while I am prepared to go to court if they attempt to sue her, I am concerned at the price she will pay emotionally if subjected to court action. 

currently, she receives food stamps, daily XXXX assistance from social security, Medication for XXXX  XXXX stability and other medication to address XXXX  and other health problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Information belongs to someone else

Complaint:
I have not applied to any of these merchants. Why are they listed on my reports as inquires? 

XXXX XXXX Accept You applied for an auto loan on XX/XX/XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX  You applied for an auto loan on XX/XX/XXXX XXXX XXXX XXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXXXXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Linebarger Goggan Blair & Sampson LLP
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:
I received a collection notice a few months ago from Linebarger Goggin Blair & Sampson, LLP and I immediately returned a letter to them disputing the debt. Today I received a XXXX collection notice as if they just ignored my first letter disputing the debt. The alleged debt is a Toll. I do not have a car with the license plate identified on the notice nor do I have a car in my name that has ever been to Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: JH Portfolio Debt Equities, LLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX JH Debt Portfolio Debt Equities falsely reported to XXXX that I have a balance of {$5000.00} which dates back to XX/XX/XXXX. They are claiming that no payments were made for over one year. I have verifiable proof that this account has been receiving payments each an every month without fail. The real current balance is {$1700.00}. This debt dates back to XX/XX/XXXX and is not a new debt as reported by JH Portfolios. I contacted them by phone and they claiming the amount is XXXX This is a total fallacy. I have filed an offical dispute the the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Bronstein & Weiss Arbitration
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX ref # XXXX, contacting my ex husband telling him they are going to arrest me and put me in jail. They have threatened to have the police come to my place of employment. I do n't know who this debt collector is cause when I ask, they just start telling me they are having me arrested. I WILL NOT pay anything I do not owe. Please make them stop. They have even threatened me in regards to my insurance license with the State of Texas. That is threating my ability to work and make a living.

Company response to consumer: Closed with explanation