BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-22
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In 2014 I successfully invalidated a XXXX XXXX account from my Experian credit report. Experian just let XXXX XXXX re-insert it after 6 months knowing that it had been invalidated and deleted. The Consumer Financial Protection Bureau as well as the Federal Trade Commission highly scrutinizes this abusive practice by financial institutions and must cease these actions immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this bad debt that has been on my file for several years to XXXX and they failed to correct the issue. This account is not mine and I have no knowledge of this account. 

The account in question is Colony/ XXXX XXXX XXXX {$370.00} ( which shows a bad debt on my XXXX  file account # XXXX I have contacted the merchant and they keep telling me that I just have to file a dispute with the credit bureau and they will remove it which Ive done several times and it still stays on my credit file which makes me believe that XXXX XXXX is disregarding my request to remove this bad credit debt from my file. 

I need your help because what Im doing on my end has not seemed to be in my favor and Im just going in circles Im tired of this and I really need this taken off my file, your help is so very much appreciated. 

Thank you XXXX XXXX XXXX XXXX Please feel free to contact me at my XXXX address above or my phone number at any time thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: SC
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 XXXX/XXXX/2020, it has now been months 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 2021-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello CFPB Personnel : This is my second time reaching out the same issue Capital One 360 Bank continues to engage in withholding funds when deposits are made from the same employer/company for the past 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My wife & I have a second mortgage with OCWEN Loan Servicing , LLC, bought from our original loan company of GMAC, that we have made monthly payments on since XX/XX/XXXX, never being late & never missing a payment. XX/XX/XXXX we received a letter from OCWEN stating that our payment was being increased from {$460.00} a month to {$2100.00} due by XX/XX/XXXX. The letter was dated XX/XX/XXXX showing that an official notice of only 18 days was given of this increase. We had only 11 days notice upon receiving the letter. After contacting OCWEN & explaining that we could not possibly make this payment amount we were told by their " calculations '' that we should be able to handle this increase but were offered the possibility of a loan modification. We applied for this modification immediately & each month are asked to provide new documentation of our finances with no answer as to a loan modification. In the meantime, by today 's date of XX/XX/XXXX, we have been turned down for XXXX loans due to our high debt to income, have been reported to credit agencies as deragatory on the OCWEN account even after borrowing from family {$6300.00} to bring our account with them current, and get no answer from OCWEN to work with us to keep our credit in tact. We have explained medical hardship as our reason for need of modification as my wife lost her job almost 4 years ago & is now on full XXXX. We have working with yet another mortgage lender & have now been approved for a loan to consolidate our first and second mortgage but our payment will be raised approximatly {$200.00} which will be a hardship in itself. Needless to say, the notice given to us was questionable, unfair, and this company has caused us much stress and grief in the last few months. OCWEN customer service reps have remained uncaring, unwilling to answer questions, and stay to a straight script each time a call is made and ask all the same questions of us over and over again even though nothing changes for us week to week. We were advised to file this complaint by several loan officers from other mortgage companies who have been appalled at the treatment we have received from this company. This time frame has been unfair, impossible to work with, and in the meantime, our credit is being ruined by a company who has no concern to work with us and would rather see us file bankruptcy per the letters that we receive from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Revenue Recovery Corporation
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:
REVENUE RECOVERY CORPORATION XXXX I have a a unverified account fromREVENUE RECOVERY CORP. I had previously disputed this account. I have never done business with REVENUE RECOVERY CORP Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt REVENUE RECOVERY CORP and I believe it is a HIPPA Act violation. I request that REVENUE RECOVERY CORP Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that REVENUE RECOVERY CORP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumberXXXX

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 2021-02-07
Company: CURO Intermediate Holdings
State: MS
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: Problem with personal statement of dispute

Complaint:
This account is unknown to me, send me proof of how you verified this account, the collector did not verify that this account was mine, please send me a method of verification bearing me signature. Please send the original paperwork bearing my signature, I believe this to be false information reporting,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
XXXX - Option One Mortgage loan paid in full. XXXX - Option One Mortgage recorded Full Reconveyance in the XXXX XXXX County Recorders Office. XXXX - Homeward Residential attempted to foreclose on my property using fraud. XXXX - Ocwen Loan Servicing filed lawsuit in the XXXX XXXX County Superior Court. XXXX - Deposition was taken, where Ocwen Loan Servicing attorney XXXX XXXX agreed to have my former forensic FBI agent travel to XXXX XXXX county to authenticate the documents in his possession, upon arrival my FBI expert was denied access to the records. XXXX during pending litigation, XXXX attorneys agreed my loan was paid in full based on the evidence they had in there possession and directed attorney XXXX XXXX to dismiss the pending action. XXXX - XXXX recorded Full Reconveyance in the XXXX XXXX County Recorders Office. XXXX - Ocwen Loan Servicing and XXXX attorney XXXX XXXX ( Who is now working with the XXXX XXXX XXXX, Who needs to be investigated by the California State Bar and the DOJ ) Attorney XXXX XXXX started making threats to take my house calling me names at the same time rescinded XXXX XXXX XXXX. XXXX XXXX started couching, whispering in his clients ears during depositions, and directing his clients and its fraudulent witnesses during trial how to lie under oath make up false fronts so its client would be awarded fraudulent Judgment to wrongfully foreclose on my home. Ocwen Loan servicing and its lawyers used fraud upon the court to seek judgment during the time I was hospitalized for months. I have medical records to prove it. XXXX - I had a life threatening illness that landed me hospitalized for several months, I was forced to file Bankruptcy because I had no ability to fight Ocwen criminals and its fraudulent attorneys because they have drained my savings account, over {$100000.00} in attorney fees, and other fees during my health troubles. XXXX - XXXX I filed multiple police reports, multiple DOJ, DBO and CFPB complaints. XXXX - I filed lawsuit, Ocwen made offer of {$660000.00} 2 % interest if I agree to dismiss action. I declined. I dismissed the court action so I could search for other attorney. XXXX XXXX, forensic loan auditors prepared report and findings which identified mortgage servicing fraud. XXXX - I filed another lawsuit, Ocwen Loan Servicing made several attempts to foreclosure on my property using fraud, just days before the trustee sale Ocwen made another offer of {$770000.00} 3.43 % none negotiable loan modification or they would proceed trustee sale in just days, leaving me no choice other then to sign the settlement agreement under duress to avoid fraudulent foreclosure. Ocwen Loan Servicing litigation department lawyers have been directing outside counsel XXXX to lie make up false claims to protect his clients. I demand the CFPB to involve the FBI, DOJ, California State Bar and other sources to investigate my matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen mortgage foreclosed on my home XXXX while my mortgage was being processed for a modification. I retained an Attorney and Ocwen rescinded the foreclosure. XXXX XXXX. My credit report reflects my property is forclosed. I was recently declined an employment opportunity because Ocwen incorrectly reporting my mortgage to the XXXX credit Bureaus XXXX, XXXX, XXXX .Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Ocwen Financial Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent XXXX previous letters to Experian reporting company, all by certified mail ( copies of receipts are available ) requesting removal of : 1. Unauthorized fraudulent inquiries : ( 1 ) XXXX Card XXXX/XXXX/2016 ( 2 ) XXXX XXXX/XXXX/2016 ( 3 ) XXXX XXXX XXXX XXXX/XXXX/2016 2. Fraudulent Account : ( 1 ) XXXX # XXXX ( Identity theft victim ) 3. Inaccurate, false, and wrong information : XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX from my file and Experian agency has failed to do so. 

Accordingly, I can show a judge that these inquires and accounts are fraudulent and inaccurate and that Experian violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Portfolio Recovery called and spoke to my husband on XXXX XXXX 2016. They disclosed all the information about my debt with him. I have never given Portfolio Recovery permission to disclose information to my husband. My husband also does not have a power of attorney. For them to do this it is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
We negotiated a settlement which involved removal from my credit report plus they were also contacted about the information stating the opened date was wrong. They have continued to report even though the settlement was for certain amount removal and corrections of the information of date opened. They have continued to do this with any debt they are issued instead of using the date the debt first became delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My XXXX, XXXX XXXX XXXX XXXX XXXX, passed away on XX/XX/XXXX. He and my mother, XXXX XXXX, had several joint accounts, and all but one was available to her after my fathers passing. The one unavailable account, a savings account at Bank of America, account number XXXX XXXX XXXX, holding approximately {$14000.00}, was frozen. After phone and US mail exchanges, without the funds being released, my mother filed a complaint with you regarding her inability to access my fathers and her joint account ( case no. XXXX ). 

Bank of America responded that there were mixed records on the account, which had been acquired by them with the purchase of XXXX XXXX XXXX. They said that the account therefore belonged in my fathers estate. This answer, though not entirely satisfactory, was accepted by us because Bank of America gave paperwork to complete for a check to be sent for the amount in the account. We wished for expediency over arguing about the unsettling conclusion regarding my parents joint account. The paperwork gave us a path forward. 

As the Personal Representative of my fathers estate, I took the steps of opening a checking account for the estate and completing the paperwork to get a check that could be deposited in that new account. Bank of America had asked that I submit the forms by fax or mail. After submitting the forms by fax on XX/XX/XXXX, and not hearing back, I resubmitted by fax on XX/XX/XXXX. After again not receiving the check or correspondence, I tried a different tack and submitted the forms by US mail on XX/XX/XXXX, explaining the history and asking to be contacted if I did anything wrong. 

As I have still not been contacted, and I have not received a check, I have found my way to the CFPB in hope that you can help me resolve this. Though related, the issue is now different from my mothers issue in her prior complaint. My problem is that Bank of America will not send a check for funds in my fathers estate. I worry that the reason is the conflicting history of the account Bank of America described in its letter to my mother, the same complication that led them to freeze my mother out of the account.

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 2016-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did not have any account from XXXX., but the Portfolio Recovery Associates , LLC tried to collect a debt from me. 
I think someone used my name to open account in XXXX that I never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I settled with the lawyers on a past credit card debt and received a notice that debt has been settled. I am now being sued again for the same account that I settled on by the same lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES 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 began receiving phone calls from portfolio recoveries concerning a XXXX credit card in the amount of {$1200.00} approximately the statement or Bill that was provided to me from this company for XXXX XXXX was for an individual with the name of XXXX middle initial XXXX and last name XXXX with an address in XXXX or XXXX XXXX I am a XXXX resident and have always been a XXXX resident as a child I lived in XXXX but as an adult I 've always lived in XXXX and employed in XXXX I 've never ever visited XXXX and I do not know anyone in XXXX and they are trying to collect a debt from me but someone else 's name and address my middle initial is XXXX.. I currently have XXXX credit accts with XXXX which are in good standing at this time I have no previous accounts that were unpaid with XXXX again my name is XXXX middle initial XXXX last name XXXX and my home address is XXXX XXXX XXXX XXXX and I 've been a resident here for approximately 20 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
BMO alleges I owe a debt and it is completely false. I have spent numerous hours attempting to show them and yet they continue to harass me, report me to credit bureaus and threaten to seize my property. Here is a copy/paste of what I have sent recently and what is similar to what I have sent in the past. 

XX/XX/XXXX I moved and began a series of useless calls with your company trying to update my address. I was even told to drive to a local BMO just to change my address. I was not getting statements XX/XX/XXXX Same as above XX/XX/XXXX Same as above XX/XX/XXXX {$64.00} via XXXX due XXXX. XXXX XX/XX/XXXX {$110.00} via XXXX due XXXX XXXX ALSO INCLUDED XXXX WHICH WAS MISSED B/C YOU XXXX SWITCHED TO XXXX  AND NO ONE SENT ME ANYTHING. THIS WAS AFTER I ALREADY UPDATED MY ADDRESS IN PERSON AT A LOCAL BMO XXXX BRANCH AND OVER THE PHONE MULTIPLE TIMES. The late fee was waived due to BMOs admitted failure to 1 ) send correspondence to the correct address ; 2 ) provide due notice of a change in loan servicers ; 3 ) provide updated mailing address for new servicer ; 4 ) provide updated loan number under new servicer XX/XX/XXXX {$64.00} via XXXX due XXXX XXXX XX/XX/XXXX {$60.00} via XXXX due XXXX XXXX XX/XX/XXXX {$65.00} via XXXX due XXXX XXXX XX/XX/XXXX {$64.00} via XXXX due XXXX XXXX XX/XX/XXXX {$60.00} via XXXX due XXXX XXXX XX/XX/XXXX {$74.00} via XXXX due XXXX You are in breach of all applicable state and local laws by continuing to report my account delinquent, by harassing me and threatening me via written letters sent both via regular US Mail and certified US Mail . At this time, I will be filing complaints with the consumer Financial Protection Bureau & appropriate local state agencies. Further, I intend to retain counsel and seek reimbursement of those legal fees, costs, plus interests and damages as appropriate.

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 2017-02-21
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX,2016, i open a credit account with ( comenity-blair.I purchased ( {$65.00} worth of merchandise, which i paid off by installment payments, that were made by sending money orders.They have been paid off, but they are still calling and writing for more payments, They sent incorrect information to a credit bureau.They have gone from the ( {$65.00}, which i paid off, to a new balance, of ( XXXX.I have not made any additional purchases.

Company response to consumer: Closed with explanation