BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-05
Company: LHR Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX, I received dunning letter from CCAB Management LLC dba CCAB XXXX dated XXXX/XXXX/XXXX for an alleged debt of {$30.00} owed to XXXX XXXX XXXX from XXXX/XXXX/XXXX. Also, in same envelope, another dunning letter dated same date ( XXXX/XXXX/XXXX ) for an alleged debt of {$30.00} to XXXX XXXX XXXX XXXX from services performed on XXXX/XXXX/XXXX ( not even 90 days old. ) Called CCAB and spoke with " XXXX '' on XXXX/XXXX/XXXX. I paid the {$30.00} co-pay from the XXXX/XXXX/XXXX service directly to " XXXX '' but stated the debt was not even 90 days old and that I tried to pay my co-payment at the doctor 's office on the date of service. I agreed that this was owed. 

However, I said I wanted to dispute the second debt with a date of service of XXXX/XXXX/XXXX. 

I stated I wanted to receive verification of the debt as it stated I could in the aforementioned dunning letter. 

" XXXX '' said due to the Federal Timeline I could not do that now and I would have to contact the creditor on my own. 

I asked " XXXX '' why would his official correspondence state I could request this and yet they would not do it. He once again stated something about a federal timeframe. 

After several attempts, I contacted the creditor ( XXXX XXXX XXXX XXXX ) and was informed that in fact this co-payment had been paid and they did not know why CCAB was dunning us. The creditor said they would have their office manager look into it on Monday. 

After numerous attempts, " XXXX '' from CCAB answered his phone and I advised him that I had verified with XXXX that this amount had been paid a long time ago. " XXXX '' said this made him mad and he would contact XXXX XXXX XXXX XXXX to straighten this out. 

Odd as " XXXX '' said he could not and would not contact XXXX to verify the debt at my request, although CCAB 's dunning letter clearly stated it could and would, but he immediately said he would contact them after I said I had. 

In my opinion, CCAB is blatantly lying in their correspondence. 

CCAB says you can dispute the debt and that CCAB will obtain verification of the debt and mail a copy to you. 

This obviously is not the case nor their practice in handling the collection of debts. 

I spent a lot of my personal time and minutes from my phone doing what CCAB 's official debt collection correspondence stated it would do if I requested CCAB to do it.

Company response to consumer: Untimely response
Consumer complaint received 2015-06-04
Company: HW Holding, Inc
State: NC
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:
I had a past due balance from an apartment Complex called XXXX XXXX which was sent to Hunter Warfield, a collection agency. I spoke with XXXX XXXX back in XX/XX/XXXX who said that my balance was {$570.00}, but was willing to settle for {$220.00}. I was unable to do that as I originally planned. I called the agency back today & spoke with XXXX XXXX who now says that my balance is {$580.00}. I asked why and he said that they charge interest and that they 've had the account since XX/XX/XXXX. When I .looked at paperwork from XXXX XXXX, my balance was {$520.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Ocwen is the serve provider for the mortgage. I can not verify nor can Ocwen but I believe the holder of the note is XXXX XXXX. The mortgage was purchased by the above companies from XXXX XXXX. It was a Home Affordable Modification Agreement processed after my divorce to my ex wife. In accordance to the divorce degree dated XXXX, I was asked to cooperate with her in getting the mod. The mod is solely in my name as was the original mortgage. However because XXXX XXXX knew of the divorce and the terms of the agreement they structured the modification to add the Federal Law XXXX 12 U.S. Code 1701j-3 allowing the mortgage to be assumable to my ex wife provided she was living there and the house was quit claimed to her. Both are fact as she has been living there, paying the mortgage and the house was quit claimed at the time of the divorce XXXX. Shortly thereafter the mortgage was purchased by XXXX XXXX and Ocwen became the service provider. Since XXXX I have been attempting to remove my name from the mortgage and have my ex wife assume the mortgage as stated in the federal law XXXX XXXX 12 U.S. Code 1701j-3. Ocwen sent me e mails claiming the mortgage was not assumable and they were not familiar with the federal law XXXX XXXX Act. After 2 years Ocwen acknowledged in writing that the mortgage was assumable under the federal XXXX XXXX XXXX. Ocwen issued an e mail to me stating that I would have to amend the terms of my divorce decree to allow such an assumption in accordance with the provisions of the XXXX XXXX XXXX. I have spent thousands of dollars in court and attorney 's fees to gain all the required doc 's Ocwen insisted I provide in the subject e mail to me. I e mail Ocwen on XXXX XXXX the information they required to remove my name from the mortgage by the federal law XXXX XXXX XXXX. Ocwen now has stated they will not remove my name without reason. I spoke to them again on XXXX XXXX, XXXX and they stated they may review it again. 
I am writing to the CFPB because I have done exactly what I was asked to do by Ocwen to remove my name and have spent thousand of dollars to get them to recognize a federal law. I also have read that the CFPB in XXXX ordered Ocwen to provide XXXX in relief for wrong doing. Part of the wrong doing was 1 ) Providing false or misleading reasons for denying 2 ) Failing to honor previously agree upon modifications with prior banks or servicers. I truly believe this is the case. In fact when you read the XXXX XXXX XXXX their is no mention of the decree having to state anything about an assumption. the law is written into the language of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: UBS BANK USA
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
As a former employee of XXXX, I participated in an employee stock purchase program managed through UBS. After leaving XXXX I continued to hold my XXXX shares with UBS and managed dividend stock purchases and disbursements through their website. I held a " paperless '' account with UBS for 11 years, receiving statements and notifications via email. Today I logged into my UBS account to execute a sale/disbursement but was not able to make the transaction and was instructed to contact UBS. I called UBS and was told that my XXXX account had been transferred to a " wealth management '' account but I could not transact shares through that account. In order to complete my stock sale, I had to pay a {$75.00} annual fee for the wealth management account I was never notified of and a {$70.00} fee to sell the stock! My complaint is UBS making this account change without prior notice. Had UBS notified me prior to these changes, I could have liquidated my account and paid no {$75.00} annual fee and no {$70.00} transaction fee. This is robbery on the part of UBS.

Company response to consumer: Closed
Consumer complaint received 2015-06-15
Company: Global Recovery Group
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Global Recovery Group called my phone threatening to call my relatives and they did - stating I was under investigation. Scared my daughter, asking for my address. I do n't owe this company. I read they are debt scammers. When I phoned them they mentioned they needed my phone number and another department called. They are terrible!

Company response to consumer: Untimely response
Consumer complaint received 2015-08-11
Company: Essential Retrieval Group
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I 've received several phone calls from XXXX XXXX of ERG collection threatening me to make arrangements to pay for a loanfrom 2010. I 've asked for proof but they will only send me proof if I agree to make payment arrangements. Since I 'm entitled to the information, I 've refused to make arrangements until I get the information, they 've repeatedly called my job, leaving her XXXX number. It 's very disruptive and unprofessional. I 've asked to stop calling the job but they wo n't.

Company response to consumer: Untimely response
Consumer complaint received 2015-10-09
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was originated by XXXX XXXX XXXX, XXXX, Georgia. I am in good payment standing with XXXX XXXX Bank, and never missed or be late in any mortgage monthly payments. Then my mortgage was purchase/transfer to XXXX XXXX. XXXX XXXX turn my mortgage to a third party ( Ocwen Loan Servicing ) to handle the collection of mortgage monthly payments. Ocwen Loan Servicing , LLC is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX and their website is XXXX. Ocwen send me a letter asking to fill out IRS Form XXXX, which is the form that employers fill for collecting Federal taxes out of payroll of employees. Ocwen state in their letter that I will be fine {$100.00} if this form is not completed and mail back. Called Ocwen ( XXXX ) XXXX number to ask why I have to fill form XXXX since I am not an employee of Ocwen ... I am their costumer. Every single call made to Ocwen call center ( in XXXX ) lead to a costumer representative who can not answer my question, then they proceed to place my call in hold for someone to assist me. After waiting for more than 15 minutes, some XXXX pick up the phone and hang up on me. I try to contact Ocwen at different times and days of the week but the results are always the same. Ocwen costumers representative will place your call in hold and then hang up. This is poor costumer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called Midland Funding to try and settle a debt on my credit report but when I called, they said XXXX XXXX XXXX owned it. When I called XXXX & XXXX, they said Midland Funding owned it. 

The Docket Number is XXXX Midland Funding Account Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Just stated account updated i didnt receive no letter or info on account example repo how much sold for plus never received letter when car be sold to have chance buy back only phone call saying car sold

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
For two months, Wells Fargo has been taking money from my account to cover the overdraft of someone else 's account. This last time they took all of my paycheck to the point of me losing my job because I could not fix my vehicle. Lost my vehicle because I could not work. Have no food due to no job and vehicle so no money. I am sick and tired of this. The account they used my money to cover has a guaranteed deposit the XXXX of every month which would make it positive again. Corporate office of Wells Fargo refuses to replace the money because it is their right of write-off policy. They say it is my consumer policy that I was given when I opened the account. I receive not such policy in the paperwork I was given. They refuse to contact me before taking money from me. They refuse to talk to the other account holder. This is Theft and they all need to be thrown in prison for life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I bought an online subscription to XXXX for approximately {$120.00} dollars. I had signed up with my personal email account which I had a non-subscription account with the same website for previously. In XXXX 's system my subscription was then associated with the former/old username not my new username/account. 

When I contacted XXXX Customer Support they were to contact me back in 48 hours and did not. I then called their Customer Service and was told I would not be issued a refund and that this problem was " impossible. '' I then indicated that I would dispute the transaction with my credit card company, American Express. 

I opened the credit dispute with American Express eventually providing them with the Customer Support attempts at contact I had with XXXX and a Screen shot of my account from XXXX. This screen shot showed that I could not check my messages as my paid subscription was not recognized and for which American Express had record of withdrawal from my account for the transaction. I then called several separate divisions of American Express Customer Service and told them that was all the information that I had and that they could either be diligent & vigilant in attending to this matter and getting me my money that I was defrauded back or not. I was also told that I could not further escalate my concerns when multiple managers in their Customer Service divisions lied and told me they could not put me in contact with the corporate office. I then found their corporate office number online and called the following day. 

I received a call back and explained the issue and again stipulated that American Express should follow through on my legitimate transaction dispute and resolve the matter in a timely fashion. I received a call back a few days subsequent to that call from another person in their corporate office. I missed this call due to work and when I called back I left a voicemail explaining my reason for calling and requesting callback. Yesterday marked a full calendar week and several business days between their last call back and my last request for a call back. I left a voicemail largely stipulating the same information as my XXXX voicemail and this has not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion is reporting an account that is closed, paid, and was agreed to be deleted from my credit file.

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 2017-04-04
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I believe that I am a victim of shortcuts or deception by Navient- XXXX of misappropriating advance payments on my student loan accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Site will not up load pdf. 

Nationsbanc Mortgage Corp. falsely and fraudulently invoked the jurisdiction of Ohio courts by claiming to be the " owner and holder '' of my note and mortgage. In fact they did not acquire the note and mortgage until three years after filing suit. No " confession of error '' was ever filed by the plaintiff thus wasting judicial resources and perpetuating the fraud for years on end under the color of law to hide the fact that they had no standing to sue. 

XXXX I believe will be familiar with my name at the time he was Ohio Attorney General.

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 2015-12-04
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I noticed that MRS BPO LLC., is appearing my XXXX and XXXX credit files. I am disputing the validity of this alleged debt, for the following reasons : 1 ) The debt does not belong to me ; 2 ) MRS BPO LLC., has not sent me any documentation which links me to this account and they have not submitted their validation and position to collect on any such account, they have not produced any documentation of any signed agreement ( s ), which would also suggest this alleged account belongs to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I submitted a claim against QCWEN, the same outfit you appointed as ombudsman to manage recovery funds for individuals damaged by QCWEN et al. Ocwen refused to communicate but later they told me they had no proof of my standing on home I inherited from bu deceased son. Even though I provided court documents whereby I was appointed executor they still refused to provide ANY data or information on the home I became the owner of by court order. Its been yet another year later and QCWEN continues to advise my status for ferund of damages I incurrered. CFPB, in fact has been advised of this numerous times and all I get is rejection. I am XXXX, XXXX vet who will no doubt predecease any recovery. My question is WHY DOES CFPB NOT POLICE THE OMBUDSMAN THAT CFPB APPOINTED TO LAWFULLY DO THE JOB IT HAS BEEN ORDERED TO DO? I have been failing at every trun to gain assistance on this, the earliest matter OBAMA charged XXXX XXXX to police? Why does CFPH ignore my ongpong requests for help? 
Regretfully as I write this I seriously doubt I will obtain any help from CFPB, but I will die trying. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Transunion On record has been informed to remove this credit collections services account and still has not removed it. When this issue was resolved in the agreement of paid was to be removed from my credit. This information is inaccurate on report and must be removed please.

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 2022-04-19
Company: Paypal Holdings, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Upon learning about my identity tdelete this thread yesterday they I sent emails to to the companies that I have accounts with such as PayPal In an attempt to help fix my damaged reputation and limit it, However today XXXX today I received appointment back print XXXX from PayPal upon learning about my issue I issue they banned me permanently from their systems for what they call or refer to as increased risk and suspicious activity Causing my identity to be further they're damaged and my reputation further damaged it is now my customers will ask XXXX will ask what has caused PayPal to ban him?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX between the hours of XXXX and XXXX I went to First National Bank located in XXXX XXXX , PA to close my savings account, after contacted them in the past by phone they indicated me that I must be in person to any branch in order to close the account. Around XXXX they made an automatic transaction to my savings account with I asked to close in the afternoon, I call them nex day XXXX XXXX to clarify why they made the transaction and overdraft my account and charge {$37.00} fee, if I was in person and with time the day before in the bank to closed the savings and avoid this situation. They give a number to contact a supervisor XXXX XXXX this person never spoke with and someone told me he contact you and he never call me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion, I am aware that some of the accounts listed on my credit report have been sold to a 3rd party. These are NOT the original creditors and I am NOT under any contract obligation to this companies and or agencies. Please remove this account from my credit report immediately. They are listed below : 1. Debt Collector - XXXX Original Lender- XXXX Balance XXXX {$560.00} 2. XXXX XXXX Balance - {$830.00}

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 2017-04-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
credit bureaus do not validate or verify any information with the court system, this has been verified by every Federal Court, and because of this, i want my Bankruptcy XXXX removed from all XXXX credit bureaus, as i have spoken with all XXXX credit bureaus, and they respond with the statement " we have validated this Public Record with the courts '' That is a Lie. They Have not Validated Anything according to every Federal Court queried. thank you

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