BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-18
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company Ocwen Loan Servicing canceled my insurance. I was on a XXXX way call with Ocwen ( XXXX ) and my insurance company, XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. A payment was arranged and Ocwen assured me they were overnight the payment. I did not hear anything more until XXXX of this year. I received a noticed from Ocwen that they were placing force place insurance on my property because I did not have insurance. I called numerous times because I have money in my escrow to cover the insurance. I finally found out Ocwen never sent my payment in XXXX or XXXX. I was never notified by either company that the payment was never paid or received. I also spoke to XXXX, senior underwriter of XXXX XXXX. I explain the situation to them and asked why they did not notify me that it was canceled for non-payment. She was very rude and would not help me at all. I lost my {$250.00} deductible and my renewal discount that I had since XXXX. She wanted to sell me a new policy with a higher rate and higher deductible. I asked why I was never notified and what happened with the payment and she told me XXXX no longer works there. I asked to speak to XXXX XXXX the owner. I spoke to him once and he was suppose to get back to me but he never did. I have called numerous times after but every time I ask for him, they transfer me to XXXX. 

I also have numerous calls to Ocwen. I have spoken to several supervisor regarding this and no one can fix it. As of XXXX XXXX, my insurance will be canceled again if I do n't pay the higher price. I have been paying my mortgage on time for years. I do n't understand how this can happen and how they can just raise my payments ( to cover the escrow shortage due to the more expensive homeowners policy ). This is not a way to do business. I am a hard working XXXX person trying to keep my mortgage current. I should have never lost my insurance and my payment should not have gone up over {$150.00} a month. What are my resources to get this corrected? What are my opinions? Do I have to sue?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: CT
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:
My mortgage loan was transferred from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as of XXXX. I have been dealing with this company for just about 2 months and I am at my wits end with them. They sent our welcome packet late, has to call them to get new loan number to make payment. Their auto dialer called when it shouldnt have because they can not call us to demand payment because we had been in bankruptcy and it was discharged they did this twice before I called them to tell them to stop, and advised that we pay at the end of each month but within 30 days and I advised that per our modification and bankruptcy discharge, they can not charge us a late charge then my XXXX XXXX score drops 13 points because they reported us to the bureaus when they werent supposed to called them to get fixed, I got attitude and the agents were rude. They refused to transfer me to a manager, finally was able to s/w someone in consumer escalations she said would get it fixed and she did one of the first representatives told me I would need to prove they reported to the bureaus. I checked my experian score today and it dropped 65 points because they reported it again called again and spoke with XXXX in XXXX escalations who was very rude and basically advised it couldnt be fixed for upwards of 45 days I need it fixed before then .. he also rudely advised me of their business policy of no external emails for security and to speak with a manager it takes 1-3 business days that is ridiculous I need my issue fixed and escalated immediately I am to the point I am going to call a lawyer and sue.

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 2017-08-15
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXXin a SunTrust Bank branch in Georgia an individual with a checking account one digit different than my own made an over-the-counter withdrawal via a hand-written withdrawal slip. When I was finally aware of the error -- {$1000.00} taken from my account and not the account of the individual making the withdrawal -- I called SunTrust. This was after a number of payments had been returned and fees assessed on my account. Initially, the customer service representative said there was no error. It did not take him very long to correct his statement, dismissing himself for a bit, coming back and saying this was all the result of an error made AT SunTrust. The issue was not then resolves, but remained. Yesterday morning I went into my Local branch and thought we were on the road to resolution. Last night, YET ANOTHER FEE was assessed for a returned payment, as the correction, apparently, had yet to settle into the account. At this point, in addition to the MANY fees placed on my account by SunTrust, I am additionally being assessed charges by the companies I have made payments to and now others I could not make payments to because of the ongoing issues. In 2017, THIS is more than a bit pathetic. It is astounding to me there are no checks and balances in place to ensure this does not happen. I am now beyond frustrated, have gotten nothing done today as I attempt to get the issue completely resolved. I have had to cancel appointments, am behind with customers, etc. I have begun making contacts with attorneys.

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 2015-09-03
Company: Resurgent Capital Services L.P.
State: NY
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:
The debt collector XXXX Resurgence Capital Services XXXX is attempting to collect on a debt that I do not own. They have also sent a letter with a statement that indicates the current account owner XXXX LVNV Funding LLC XXXX will not report the debt to any credit reporting agency. This is a false statement. I learned about this debt as a result of it being reported to a credit reporting agency. Also, the statute of limitations to collect on this debt has expired. This debt was supposedly acquired in 2008. I have not heard from this debt collection agency, or any other company regarding this debt until now. If this debt is valid, I would assume the debt collection would have begun a while ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05
Company: Resurgent Capital Services L.P.
State: NY
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 was sued for a debt by A collector claiming to be the current creditor, we went to court, and the court concluded that I do not owe the debt. The court gave me paperwork to send to the XXXX credit reporting companies, XXXX deleted the account, XXXX and XXXX noted that I made A dispute, but LVNV funding claim that I still owe the amount, even with the court order. I have been denied loans and my credit score is affected by this, and this company LVNV funding will not give up. Please look in to this matter and see what can be done, Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
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: Investigation took more than 30 days

Complaint:
I have disputed the validity and the accuracy of this account several times since I have found these accounts reporting on my credit report. I have provided a new dispute reason for each time the account has been disputed. According to Florida law I am supposed to receive a notice of sale 10 days prior to the vehicle being sold as well as information regarding the time and place the vehicle would be sold I have asked XXXX XXXX and XXXX XXXX XXXX for that information and as of today I am still not in receipt of that information from either of these companies. I spoke with XXXX XXXX at XXXX and she advised that they received a letter from me on XX/XX/XXXX which I advised to her my last request to them was mailed on XX/XX/XXXX she advised that she believed due to Covid they have been backed up in processing requests in their office. She advised that my request for validation including the contracts, account statement, deficiency balance, and notice of sale was mailed out XX/XX/XXXX which I have yet to receive as of today XXXX XXXX. Please review recorded line conversations from XX/XX/XXXX. 

The last letter I sent to the credit bureau 's dated XX/XX/XXXX requested the bureau 's to investigate the reason why the date of last payment reports incomplete and inaccurately because XXXX  does not reflect a date of last payment, Experian reports the date of last payment of XX/XX/XXXX, and XXXX  reports a date of last payment of XX/XX/XXXX. As of today XX/XX/XXXX I have not received the results of that investigation it has been well over 45 days since I have been waiting on a response from all three bureaus.

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 2017-02-16
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Other

Complaint:
I was contacted via email by my American Express card company regarding an internal review being conducted on my finances. I have been an AMEX holder for 27 years, not ever missing payments. AMEX emailed me form XXXX requesting access to my 2015 IRS information ; AMEX is concurrently gathering information from the XXXX credit verification services. Meanwhile, they have frozen the account, while they still go ahead and collect my most recent payment. I have never heard about a card company requesting personal tax information and I find this an unacceptable invasion of privacy especially since I offered to provide them with pay stubs in lieu of releasing tax info. I have nothing to hide from a tax standpoint, I just do not believe that AMEX or any other card issuing company has the right to access that information. 
I have 14 days to respond to the request of completing the form. The language used in the email is outright threatening ( please see below ) : " If you fail to provide the documents required within 14 days of the date of this letter, we may take additional credit actions up to and including cancellation of your account ( s ). 
We have placed a restriction on your account ( s ) and no further charges will be allowed until this matter is resolved. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
There was XXXX unauthorized transactions on my American Express for XXXX card over the course of 3 days. I was given a temporary refund and then it was taken back out of my account because according to American Express the transactions were authorized and I needed to contact the merchant. I called to get information about contacting the merchant and was told that they would email the information to me. However when they did email it I could n't access it because the link expired in 24 hours. I called over 5 times to request that information again and speak to a manager. I was told that I would get a call back and the information resent each time and I never received the information or never ever received a call back. American Express then discontinued the American Express for XXXX card and I 've been trying to contact American Express since XX/XX/XXXX when the card was discontinued. The American Express for XXXX card phone number is discontinued and I 'm not able to get any information. This has been going on since XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted all of them by phone, but since my ex-husband left withnothing but my cloths on my back, all documentations support, I do n't know what he did with everything I owned either, includingall my accounts, assets, personal information, birth certificate, drivers license, ss card, passport, etc. etc. He fled back to XXXX, used me for XXXX. I got the information from XXXX, complaint to them alsoand who to call to dispute and I did to all of them and also to credit bureau online. All the best ... ... XXXX XXXX number : XXXXMidland Funding LLCUS ( XXXX ) XXXX collector account numberXXXX $ XXXX collector XXXX $ XXXX XXXX XXXX XXXX XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended University XXXX XXXX on-line from XX/XX/XXXX thru XX/XX/XXXX. I experienced illegal adverstising tactics and false promises of employment following my graduation of my Associates degree. University XXXX XXXX has admitted to their wrong doing and has paid out milliions of dollars in damages, as well as waived an enormous amount of student debt. I have repaid approximately 50 % of my loan but still owe approximately {$11000.00}. According to the lawsuit I fall into the category of all 5 qualifications for student loan forgiveness yet have received absolutely nothing. My degree never helped attain any employment with the tainted University XXXX XXXX brand. I'm having trouble supporting my family and would greatly appreciate any help I can get.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Resurgent Capital Services L.P.
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
I was contacted from a company " LVNV Funding '' about a credit card account from XXXX XXXX, that was sent to their office for collections. They gave me the credit card # but were not able to give me any other information. I explained to them that I did not open an account with XXXX XXXX, nor did I have any knowledge of this account. The time period that they said it belonged to I know for absolute certain it was not me. I then got a copy of my credit report and sure enough this account is on there. I know that I have disputed it more than once but they always say they will send me a letter, and I never receive anything. This account is not mine and can not be verified to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After multiple attempts, this company will not show proof of this debt that suddenly appeared on my credit report. 

They are saying it 's for a lease, but I never signed this lease, nor did I live where it 's saying. I 've been in California. 

It 's not fair that I 'm being held captive for something that does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I was attempting to pay my student loans on the Discover Student Loans website. On 3 occasions, when I tried to submit payment, I got a message that the transaction was not successful and to try again. When I looked at my bank account the next day, I saw that {$1000.00} in excess of my loan payment had been taken out from my bank account. I checked with Discover and they had not credited any of the {$1000.00} to my account. 

I have called Discover multiple time to get the {$1000.00} refunded to me. I have even provided them with the transaction numbers and trace numbers from the amounts withdrawn from my bank account. Every time that I call, I am told that they have not been able to locate the funds in their system and that I need to wait. I am frustrated by the lack of urgency on their part, even as I explain to them that I am in need of the funds. As of today, XX/XX/XXXX, I do not have any indication from Discover that they will be able to locate my funds and return them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
At XXXX XXXX XXXX in XXXX XXXX, FL I was approved for a lease on a XXXX XXXX XXXX. My father passed away in XXXX & resulted in the loss of his home as well as documentation I had pertaining to the lease agreement on above vehicle. 

I voluntarily surrendered the vehicle to XXXX XXXX XXXX in XXXX. 

The vehicle was over mileage agreed in lease by XXXX miles but in perfect condition. 

I have contacted XXXX multiple times regarding settlement etc on above loan & they werent able to verify my information properly and then stated I owed {$11000.00}. 

They could not explain as to why that amount was owed and refused to send documentation regarding above amount. 

The account was CLOSED by XXXX in XXXX. 

The account has been fraudulently reopened as of XX/XX/XXXX after a phone call with XXXX XXXX in XX/XX/XXXX. 

I am being marked as still being in possession of above vehicle as well as fraudulent reporting of missed payments as of XX/XX/XXXX. 

This is unfair! This account needs to be marked as closed!

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 2015-09-30
Company: GMA Investments, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I first received a call from XXXX XXXX with Summit receivables phone number XXXX on XXXX on my employer 's phone at work. I asked that they do not contact me at work any further. She called me later that night on my cell phone and stated in her message that she had verification of employment and verification of income for a matter on XXXX XXXX, XXXX XXXX of residence, and made it seem as if legal action was being taken. On XXXX, I received a call on my cell phone with a message now stating that she will move forward with her audit to get verification of employment and income. On XXXX, my employer received a fax from summit receivables requesting my personal information to include my salary and other terms of my employment, which my employer did not fill out or return to them. On XXXX, my employer once again received a call from them asking to speak with me but I was unavailable at the time. I have yet to receive a verification of this debt from summit receivables as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I called into Exeter finance and advised them that I felt like my rights were violated based on Florida laws on repossession. I called Exeter Finance and spoke to a rep by the name of XXXX. I requested that she send me documents pertaining to the loan on this vehicle including the contract, account statement, notice of sale, and notice of deficiency balance. 
During our conversation she advised that she could not provide the notice of sale or notice of deficiency due to " time sensitivity '' I advised her that as a consumer I felt that I have the right to see the notices. I was never in receipt of the notices so I have no knowledge of how the deficiency balance was calculated or when the car was sold and how and where the car was sold. See attached credit reporting for account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted the major credit reporting agencies multiple times regarding fraudulent and inaccurate information listed on my credit report. The inaccuracies remain on my report even after I have supplied proof that the items do not belong to me.

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