BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2021, it has now been a month since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
had loan with Ocwen loan servicing XXXX XXXX, /XXXX, fl XXXX acct # XXXX bankruptcy 2009 case # XXXX told by credit counseling service there were payment arrangements made with this company. there were never any payment arrangement with this company. 
ocwen loan servicing , llc # XXXX /XXXX XXXX / XXXX, fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Progressive Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX had XXXX cable service I installed the service XX/XX/2013 Returned Equipment on XX/XX/2013 Balance XXXX say I owe but they charged me for service 2 month after Return cable boxes, which means I was not provide any service and should n't have the XXXX months plus I was charge for none service I have paid them more than XXXX plus dollars and the show a balance of {$690.00} and the turned over to collection and the balance is with XXXX {$820.00} and the on my credit report is at {$830.00} XXXX different numbers and is causing me great harm, If given credit for XXXX mouths charged plus I would n't old nothing if I give proper credit and credit for what I paid to XXXX and why is there XXXX amounts due

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 2015-10-19
Company: Franklin Collection Service, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an XXXX wireless service that I cancelled due to poor services in my area, I switched wireless provider to XXXX back in XXXX 2015. XXXX was going to pay for all cancellation fees to XXXX XXXX XXXX since I was porting out my number to the new carrier. Then, I started receiving collection attempts from XXXX XXXX XXXX in the amount of {$810.00} for cancellation fees, which XXXX notified that they paid for. My account was forwarded to this collection agency Franklin Collection Service , INC . They have n't stopped sending me threatening mail communication letter, and they 're not even licensed to collect in the state of Oklahoma. They need to remove this account from my credit reports since these charges were paid by XXXX, and they are still trying to collect on this account, and also ignoring my letters to cease and desist any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The new mortgage servicer, Speclialized Loan Servicing did not provide me with the required welcome letter. The law requires that borrower receive two notices, one from your original mortgage servicer, the other from the new servicer. Unless you received a written transfer notice at settlement, your current servicer must send you a " Dear Borrower '' letter at least 15 days before the effective date of the transfer, which would be when the first payment is due at the new servicer 's address. The second notice -- a so-called " welcome letter '' -- should come from the new servicer, which must notify you within 15 days after the effective date of the transfer. 
Moreover, Speclialized Loan Servicing is engaging in the prohibited practice of dual tracking while I 'm under review for a loan modification. I was under review with the prior servicer, XXXX XXXX XXXX XXXX, XXXX and just prior to the transfer of Specialized Loan Servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Metro Collection Service Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello, I have disputed this account with XXXX and XXXX as not mine. In return they came back with their investigation stating this account has been verified, In return sent a letter to Metro Collection Svc. requesting validation of this debt via Certified letter with no response, I again wrote and disputed with XXXX and XXXX. They stated this account has been validated to be correct. I have not been given any proof of this debt, I do not know who Metro Collections is nor the original creditor XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I did an authorized short-sale in XX/XX/XXXX with the XXXX and XXXX lien holder. I have written XXXX letters, XX/XX/XXXX and XX/XX/XXXX to Capital One, N.A, the XXXX lien holder. In both letters, I explained that I have already tried to contact the XXXX credit agencies to stop reporting the short sale as if it was a foreclosure and every time the said to work directly with the reporting creditor. Capital One, N.A of course states in their letter " you can provide an explanation to the credit reporting agencies directly. '' The games that the creditors and the national credit bureaus deferring responsibility on to the other, as both are now fully aware that a complaint has been reported and both are in violation of the law, is ridiculous. 
Per XXXX report, Capital One, N.A reports the following " Paid as agreed '' or " Paid in Settlement '' or from the comment or remark sections, " Account paid for less than full balance '' is incomplete, insufficient and inaccurate as it does not disclose the Short-Sale circumstance. XXXX, has assumed or took liberty to convey that the property was foreclosed and/or delinquent. The true circumstance was not accurately conveyed by XXXX but rather they indicated ( 1 ) " serious delinquency '' and ( 2 ) past " not paid as agreed '' both are considered inaccurate and false. For item ( 1 ), there were no missed payment or even a late payment, consequently for XXXX to disseminate a Short Sale as a " serious delinquency '' is misleading, inaccurate, false fraudulent reporting. It is also clear that the account was n't in default, collection actions did not take place, nor was there judgement handed down by the courts. For item ( 2 ), since the short sale approval and settlement was agreed by all parties, for XXXX to convey things as " not paid as agreed '' is also misleading as the Short Sale approval letter had stated otherwise. I had requested that Capital One, N.A include the following supplemental comments to national consumer credit reporting companies and any other data furnishers. " Borrower had no missed payments ; the account was not delinquent or in default ; all parties agreed to a short sale ; and full satisfaction of the referenced mortgage debt was in agreement. '' Certification of accuracy of or complete information is paramount to correct derogatory reporting. Errors in omission is still an error and will remain inaccurate until disclosed and corrected. Capital One, N.A failure to disclose to credit bureaus complete information by including the supplemental information has harmed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX XXXX for validation of the debt without response, I disputed the account with TransUnion. TransUnion supposedly investigated it and came back and said that proper validation was provided to them. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I was provided a XXXX page accounting with the name " XXXX XXXX '' and the address of the apartment complex on it. I again asked for proof this was my account because I did not enter into any lease agreement with that apartment complex. XXXX XXXX will not provide it to me and TransUnion will not say anything other than the account was properly validated. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? TransUnion will not remove this account even though it has not been able to properly validate it as being my debt. I have repeatedly asked to see the documentation proving it is my debt. Neither TransUnion nor XXXX XXXX has been able to provide any such document. THIS NEEDS TO BE REMOVED FROM MY CREDIT IMMEDIATELY!! 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
Consumer complaint received 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2016, I checked my credit report, all of my inquires were deleted from my credit report. I logged in today and there back on there. As a result my score went down.

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 2017-01-24
Company: Continental Central Credit, Inc.
State: CA
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:
This is regarding maintenance fees for our timeshare. and XXXX XXXX out of XXXX, CA. We were on auto payment and with no notice the company took us off and sent us to collection, XXXX XXXX XXXX in XXXX, CA. We have XXXX timeshares and they were both on auto deduct and the payments were about {$7.00} different from one another so we did not notice that they had stopped. We received 2 calls and collections was NEVER mentioned. They sent us to Continental Central credit who is charging us more than XXXX % in fees plus interest of the total amount due! How is this legal. So many industries are regulated and I find it hard to believe that they are n't. This is like loan shark fees I can imagine. We never signed anything agreeing to these exorbitant fees. We owe the money and would like to pay it but XXXX XXXX wont take any payments and in the meantime they are setting us up to fail. We believe these are UDAAP violations and that they want our time share back and are forcing our hand. The more time that passes the more the money adds up that we owe them. We were on a monthly since that is easier than having to come up with a lump sum. Looks like they are getting their way so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX I took a 30 year interest only loan for {$690000.00} in XXXX, CA. We also took out a XXXX loan with an interest only adjustable HELOC ( purchase money loan ) for {$130000.00}. Both loans were with XXXX. 

The housing market crashed and around XXXX we were having trouble with our mortgage and HELOC. We completely stopped paying for our HELOC way back then. 
Our house was completely underwater. 

Both loans were with XXXX and we received a terrible loan modification that raised our payment and we went back into default. XXXX sold both loans to XXXX XXXX XXXX. Again, applied for loan modifications for over 2 plus years. Again, received another one that raised our payment. These modifications were not set up to help. Still we were not paying our XXXX. XXXX XXXX XXXX sold our HELOC loan to XXXX XXXX XXXX. Still no balance info and no payment made since XXXX. After many failed attempts I filed chapter XXXX BK in XXXX. 

Filed a complaint with CFPB about the predatory lending we had been through. Received and successfully completed a sustainable payment with a loan modification. We have been paying our 1st mortgage for over 3 years. It seems XXXX XXXX XXXX sold our loan to SLS Lending. They were part of the predatory lenders and I just received a letter from them about nothing I can understand. The letter was not dated, with no account info. I have not responded to them via phone, email or letter. I have filed a complaint with you as the validity of this debt they may or may not claim I owe. 

In addition, XXXX XXXX XXXX and XXXX both faced law suits and were ordered to forgive XXXX XXXX dollars in HELOC loans. We were never notified of this at the time and we believe this loan would fall under this category. We are current on our first loan and it is our primary residence. We can not afford to pay a new loan. Our 1st was modified based on hardship and we can not afford to move. I believe this HELOC loan should have been forgiven at the time of our loan modification as we were underwater. This week I filed XXXX complaints. XXXX for the HELOC to be forgiven based on a major settlement. And the second against SLS Lending for trying to validate or collect this debt that may or may not exist.

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 2016-09-13
Company: BANCO POPULAR DE PUERTO RICO
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The Servicer of my mortgage ( Banco Popular de Puerto Rico ) foreclosed my home. 
Banco Popular de Puerto Rico is only the servicer. Banco Popular de Puerto Rico bought the servicing rights on XX/XX/2008 to the original lender, XXXX XXXX XXXX XXXX. 
Banco Popular de Puerto Rico did not answered any of more than XXXX Validation/Qualified Written Requests letters. 
XXXX XXXX is the owner of the Mortgage and the Note, according to the " Look-up Tool ''. 

A Validation letter was sent to Attorney XXXX XXXX XXXX, when acting as a debt collector she did not responded and did not stop the collection process or the foreclosure. 

XXXX XXXX XXXX XXXX, Supervisor of the Foreclosure Deparment, declare in an affidavit, that the Banco Popular de Puerto Rico is the holder of the note by endorsement. 

The attached documents are in XXXX. That is the normal commerce language in 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 explanation
Consumer complaint received 2016-04-12
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am attempting to refinance my loan that was just recently transferred to a new servicer. Under federal law any payment made during the first 60 days from the effective date of transfer must not be treated as late. My loan was transferred on XXXX XXXX and I did not receive new payment information for my new service until XX/XX/XXXX, therefor my XX/XX/XXXX and XX/XX/XXXX payment were made together. Considering I am attempting to refinance my mortgage my " mortgage verification '' statement from my most recent servicer is showing a delinquent payment and has told me they will not remove with from their report. Again, under federal law all payment during the first 60 days should not be treated as late and this is having a negative effect on my ability to refinance my mortgage.

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 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The big 3 ( XXXX, XXXX, and transunion ) has not performed independent investigations. I sent letters and notified ( XXXX, XXXX, and Transunion ) that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why theyre inaccurate. I asked them to Please independently re-investigate these items. I also requested how these ( items ) were verified as accurate, when my credit report supports my claim and disproves the credit bureaus. Still to this day No proof that they performed an independent investigation please have them delete

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 2016-06-24
Company: State Finance Company
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
A manager by the name of XXXX XXXX told my brother by telephone that I was on a list to be taken to court when in fact that was not going to happen. I then spoke to a more pleasant woman by the name of XXXX who advised if I made a payment my loan would refinance. That never happened and it has charged off since. I applied for a loan with a different company and that company called Broadway Finance. Someone at Broadway Finance told this other company how a previous conversation went and brought up irrelevant info not pertaining to the issue at hand. I do believe FDCPA laws are and have been violated and they need to be investigated on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-22
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently had my mortgage purchased by Plaza Home Mortgage several months ago. I have made all of my payments to Plaza Home Mortgage in a timely manner and was early for the payment due on XXXX/XXXX/XXXX. The early payment was paid electronically on XXXX/XXXX/XXXX and was processed on XXXX/XXXX/XXXX according to my bank account. Last week XXXX, I received several phone calls from plaza home mortgage which the person hung up on me. I immediately called back and was informed by the recording that I had tried to call after normal business hours. When I did eventually contact an employee who identified himself as " XXXX '' I was informed my account had been transferred to collections and that any information obtained would be used in an attempt to collect that debt. I informed XXXX that I had made all of my payments on time and he informed that all of Plaza Home Mortgage loans were considered to be in collections as an outstanding debt until the loan is paid off completely. XXXX assured me it was an accident on their part and my account was in fact current and should not worry about it. On XXXX/XXXX/XXXX, I received a mid month statement from Plaza Home Mortgage stating I owed an overdue amount and would need to make a double payment on XXXX/XXXX/XXXX. As someone who has gone through a foreclosure in the past I am afraid anytime someone tells me I am in collections and I also fear this would reflect poorly on my credit report if these false delinquent notices continue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Services took over my account from XXXX XXXX XXXX XX/XX/XXXX and to date i have not had XXXX payment or interaction that i could call positive. The latest incident is that since XX/XX/XXXX SLS is cashing my payments but not posting any of them to my account. I have called to have a " miscellaneous fee '' of {$110.00} explained. They would not send further documentation and the phone representative said they can not provide or explain. In the last two months i have made the following payments but the value of my loan is rising rather than decreasing. 
XX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XX/XX/XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : {$370.00} ( Pending - on hold until payments post ) TOTAL PAYMENTS MADE : $ XXXXIs this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
In regards to the CFPA complaint response to # XXXX Specialized Loan Servicing failed to have a Date for the Blank Endorsement Stamp on Equity Agreement Document and to identify the " Note Custodian '' holding original documents.

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 2016-07-19
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
We are still without complete information concerning the loan agreement that SLS sent to us. 
We have two ( 2 ) Requests : 1 ) Provide the name and " ADDRESS '' of the custodian holding the original loan documents. 
2 ) We need to view the original agreement in person. We are requesting a date and convenient location to view these first hand. A date in XXXX or 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