BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-15
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX mortgage payment was missed due to an error by my credit union where the payment was drawn from. Dovenmuehle Mortgage contacted me via written notice. I called Dovenmuehle on XX/XX/XXXX to explain to the the situation and they told me that they will be foreclosing. The loan was 35 days delinquent and they demanded payment. I was able to pull funds from three different sources and sent cashiers checks on XX/XX/XXXX to cover the {$2700.00} XXXX and XXXX Payment that they said was due. On XX/XX/XXXX, Devonmuele sent a real estate photographer to my property presumably to list/foreclose my property. Dovenmuehle did not contact me nor did anyone have my consent to enter my property. Furthermore, Devonmuehl has been paid the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX : Freedom Mortgage made an erroneous payment in the amount of {$3700.00} for " Hazard Insurance '' for a policy unrelated to my mortgage or account in any way. According to Freedom 's representative, this disbursement was made in error and resulted in a negative escrow balance, subsequently creating an incomprehensible statement. Subsequently, Freedom asserted that my account was deficient by {$7400.00}, while I was at all times making regular mortgage payments and a single payment of over {$7000.00}. 

XX/XX/XXXX : A RESPA QWR was sent to Freedom Mortgage by my attorney, seeking an audit of my account and disputing the arrearages asserted by Freedom. Freedom subsequently sent an initial response, stating that they would provide the requested material as soon as possible. By XX/XX/XXXX, Freedom had not provided any additional information or made any further contact. 

XX/XX/XXXX : A second RESPA QWR was sent to Freedom Mortgage by my attorney, citing Freedom 's failure to respond and restating my request for the information sought and my dispute of the asserted deficiencies. 

XX/XX/XXXX : Freedom has failed to provide any additional response or communication. Freedom has further lock me out of my online account and continues to send mortgage statements showing a {$7400.00} deficiency.

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 2017-05-01
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NCB Management has been reporting a debt on my credit report. I have yet to receive one  notice from them in regards to the debt at my address. This also means that I was not afforded the opportunity to dispute the debt prior to them reporting it my credit reports. I received a notice today  XXXX / XXXX /  XXXX   that they received my dispute but there was no information to validate their letter. This is the first notice from the company to my address, never received phone calls in regards to the matter either. According to my credit report they are have been repeating the report to keep it fresh so that it starts the " credit clock '' over which i 'm sure is also illegal. Not to mention I got a notification within the last day or so that a " NEW '' debt was reporting to my credit and once again I was n't notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every statement date and balance whether reported or not. I have sent letters every month From XX/XX/XXXX to XX/XX/XXXX trying to get this account corrected. 

XXXXXXXX XXXX  Account XXXX : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit report to my creditors who have requested a copy of my credit report in the last 6 months. Im also requesting the description of the procedure used to determine the accuracy and incompleteness of the information, I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this reject the complete within 30 days of receipt of this letter, or you must remove the incorrect information please send an updated copy of my credit report to the above address. Thank you for your prompt attention, time and help in this matter.

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 2021-02-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Ma'am, I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. 
The first inquiry in question was apparently made by XXXX on XX/XX/XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

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 2015-06-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian refused to take or remove an account from my credit. I received a letter stating that it was not removed but did not find out why. I am disputing this because the XXXX account number ( Partial number ) XXXX would not take my money for payment I went in to pay on my bill but they would not accept the money because it was a partial payment and that was all I had. I spoke with the manage and he gave me the run around and spoke very bad to me. I did not know what else to do I. never got resolved with this store now they place it on my account on credit report and added a lots of extra fees on top of the original bill never going to collection to my knowledge. I informed Experian and nothing has been done to resolve this matter. please help me regarding this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have an account at Bank of America. I failed to get statements since early 2021, but do not use the account often so I had it for convenience. When I logged into my online access in XXXX, XXXX  I noticed that I had fees to which I had never had any before. I tried calling the bank over 30 times and I have given up. It is impossible to get someone by telephone. The system says the wait time is hours long ( one day it was XXXX hours ). I asked for a return call and when it finally came on two occasions, the rep hung up when I picked it up. 

So today I decided I would go to a branch, and boy was that a mistake. I went to the XXXX Ma location only to find it was closed and no web site listing of the closure. I then called the XXXX MA branch which was open and drove there. When I got a customers service person ( XXXX ) to finally speak to me, she said I had to come back later as she had other appointments coming and no one could help me. She suggested I call the call center which I told her I had tried over 30 times. 

I want my fees reversed, my statement re-instated and an explanation why they could just start charging my account in XXXX XXXX XXXX without any disclosure to me whatsoever. My account number is 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 2022-01-31
Company: Experian Information Solutions 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 information incorrect

Complaint:
This is a formal complaint against Experian located in po box XXXX, XXXX, TXXXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary XXXX XXXX XXXX  distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Experian has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

XXXX and XXXX XXXX alleged accounts shows the following inaccurate reporting : Date of last activity has been re-aged I believe this is a violation. 
Close date is reporting as incomplete Dispute status is reporting as Account not disputed which is not true. Creditor remarks states account was disputed. How can they have verified and confirm that this information is completely 100 % accurate?

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 2017-01-19
Company: I.C. System, Inc.
State: MD
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:
Hello CFPB employee, On XXXX XXXX, 2016 I sent a request for validation to XXXX. System regarding a collection account that they are reporting on my credit reports. Since sending the validation request I have not received a response or the requested information in my request to I.C.System XXXX XXXX, 2016 I sent a XXXX request for validation and again time went on and still nothing received to me from I.C. System. I.C. System has violated my consumer rights under the FDCPA by not supplying me with the proof needed to validate the debt they claim I owe. I 'am coming to you the CFPB for assistance for I.C.System to follow the laws they 're governed by. I 'm requesting that I.C.System to remove the collection debt ( I.C.System, Account # XXXX ) Balance {$310.00} with all credit bureaus, due to no response from the collection agency. Several attempts on my end as the consumer to resolve this matter with I.C.System has been made. 
( Resolutions request ) I think a fair resolution to my issue would be for I.C.System to remove the debt from my credit reports as they were not able to validate the debt they claim I owe. 

Thank you CFPB In advance 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 2022-07-21
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-24
Company: Experian Information Solutions Inc.
State: GA
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:
Hello. For some time now, I have been going back and forth with XXXX, Experian and XXXX about INACCURATE information that has been reported to my credit reports. Per FCRA they are required by law to report accurate information 100 %, at all times. I also believe a proper " INVESTIGATE '' was not performed. 

The payment history on each report from XXXX XXXX which uploads the report from each credit bureau, reflects different. How can I be 30 days late, 60 days late AND CURRENT on the same date on XX/XX/XXXX? That is NOT possible. How can I be 60 days late, 90 days late AND current on the same day according to XX/XX/XXXX? You see where I am going? But again, per each credit bureau 's special comment description, the dispute was resolved and accurate. 

When an investigation is completed, the " date last activity '' should reflect when the investigation is complete but these errors occurred prior to the dates that are reported on the each credit report which is XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX  XXXX  has the obligation to report the SAME INFORMATION to all 3 bureaus, I believe through a system called EOscar, so again, how is it possible that each bureau was showing an incorrect payment history date?

Please DO NOT say it has not been updated yet because the last report date reflects XX/XX/XXXX. 

I want XXXX, Experian and XXXX  to delete XXXX  XXXX  account # XXXXfrom my credit profile immediately because it was not being reported accurate AND I was denied the opportunity to purchase a home which has greatly interfered with my livelihood They can not go back and " update '' any of this information. I want this account deleted asap please. 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 2022-01-31
Company: Mnet Financial Inc
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today, XX/XX/22, XXXX from Mnet Financial called me, stating I had unpaid medical debt and that I had to pay more than I was paying or it would go into their collections. ( I am in pre collection ) when this originally started the first representative told me to make an account and I could monitor everything online. We'll after several attempts, and the account never working, I had to call them back, and another representative sent me " coupons '' and told me there was one for every month till I paid the debt as I couldn't only afford {$25.00} a month. By the well if you look up the company you'll see I'm not the only one scammed out of being able to use their website. So they never sent me a statement or anything to verify my debt or balance. I paid my payments on time every month for almost 3 years. XXXX lies to me and tells me they are only allowed to send one year of coupons. But I state that can't be true as I have been paying for years. XXXX then says, she was mistaken it could be a year and a half. Again a lie as I'm almost at 3 years. She then threatens that if I don't get my remaining debt resolved in a year it will go into collection. I respond how I've paid on-time and I'm never late. And I would like a statement to verify this, since I was under the impression that I had recently paid it off after going through all the coupons. At which point XXXX says I have been paying this debt for almost 3 years and I have to pay it off within a year now. So I called her out, that she just said I've bee. Paying it for 3 years, but earlier stated I was only able to get a year and then a year and a half of coupons. And I said if I only got the coupons in the beginning and I've been paying for 3 years that makes your earlier statement a lie again. Now she's claiming she never said it and is getting loud and aggressive in her speech and tone.i asked to speak with a manager and was denied. I asked for a written statement of what I Owen and proof that I owe it and was denied. So I have no idea if I really owe any debt at all. AND XXXX who would not give me her last name, lying to me multiple times, and changing the story. If I do I fact owe this money, and I am a good payer, always paying my bill on time, why can't they verify it with written documentation?

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 2022-01-31
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint against XXXX Reverse Mortgage LLC and they have not responded as of the morning of XX/XX/2022. They did however change names and/ or let another corporation that they are " in bed '' with assume the foreclosure proceedings to their benefit. Without giving me and children the proper amount of time to respond. I have suffered a tremendous financial hardship and these people will not even hear my plea for help in the form of a forbearance. The pandemic has literally ruined my business and I'm in the debt to my utilities to the tune of final notices ... ... but to keep my children in a positive state of mind I just keep fighting through. These mortgage " companies '' are the only ones not willing to wait for my money to come in so that I can get current. And on top of that the whole original loan was done illegally because my father was not the owner of the deed of trust ; that deed was left in my name for the XXXX XXXX  children I have full custody of until they were of age to assume ownership. Plus, just yesterday a guy showed up offering to help me by buying the house from me and when I told him that the only way I would be removed would be by mortal force ... .and he responded hey be careful your home is worth a lot of money... ..this is so unsettling and stressful. My mother left this house to my kids and the deal my dad made was unlawfully carried out. I have a right to be heard in a court of law, not be sent fancy papers giving me an incorrect payoff amount and little time to get legal help. This is truly u American and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested an appraisal as part of the process to remove the Private Mortgage Insurance ( PMI ) on my Wells Fargo Mortgage. Wells Fargo provided paperwork advising they would only accept an appraisal handled by XXXX XXXX XXXX ( now XXXX XXXX XXXX ) and the charge for the appraisal would be {$550.00} for a single family residence. Since all market indicators, including sales of adjacent identical properties, as well as property improvements suggested the value of the property more than surpassed Wells Fargo 's PMI Deletion threshold of XXXX % Loan to Value ratio ( LTV ) we proceeded with the appraisal. I was shocked to find the appraisal returned well below the expected market value range and with numerous factual errors that indicated the appraiser failed to conduct a proper appraisal consistent with the duties of their licensure under the laws of the state of Georgia. I disputed the initial appraisal by providing documentary evidence including public records demonstrating the Gross Living Area ( GLA ) of the property, receipts for improvements made to the property as well as publicly available information on the local real estate market demonstrating significant increasing home prices in the neighborhood. All of this information was baselessly refuted by Wells Fargo. Wells Fargo and their contracting partner XXXX have to date failed to provide any Third Party or public records to support their original assessment. Despite being challenged with credible counter evidence to the findings of their original appraisal Wells Fargo and XXXX XXXX have maintained their ill supported and factually incorrect position. Due to their intractable position in the face of facts I have come to the conclusion Wells Fargo and XXXX XXXX home mortgage appraisal operations are a consumer fraud whereby the lender and their contracting partner are able to deny legitimate consumers seeking to remove their PMI as a result of increasing property values after collecting a significant fee.

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