BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-17
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I sent a cashier check to Ocwen Loan Servicing in the amount of {$42000.00} to pay off my mortgage by certified mail, the money is just sitting in there TX office since XX/XX/XXXX, I called many times to see why this money was not applied to my account, I have never been late on any of my payments, I just want to pay off my mortgage, I do n't need this problem at XXXX it took many years to save this money Ocwen should be ashamed of the way they treat a good customer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: AXOS FINANCIAL, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To Whom It May Concern : Settled in full with XXXX XXXX XX/XX/XXXX XXXX Credit reports reflect derogatory information. 

I reported to aXXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the nine-week basic training course, I was transferred to the US XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the XXXX XXXX XXXX   course in XXXX of XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia. 

Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX   XXXX, and XXXX XXXX for the XXXX Rifle and the Hand Grenade. 

Axis has taken adverse action against me for the same debt. This harm to me during a pandemic is mostly because I am XXXX American. Can there be some since of justice? I never received the accelerant letter until last month. The Gap claimed I had requested last the 90 days and even after a settled in full contract another company has taken adverse action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Selene Finance LP
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On the year XXXX the XXXX mortgage with XXXX XXXX then held by my father was in default. He was very ill and was XXXX. He tried to negotiate with XXXX XXXX and requested a deed in lieu. 
He was not successful and shortly after on XXXX XXXX he passes on. I inherited the house with default. I immediately seek legal advice. However it was not the correct XXXX. The attorney actually stated it that the house was in foreclosure and there was nothing that could be done. I continue to seek advice from other sources and other attorneys to now find myself in a very dangerous situation. My home, my inheritance continues to be in foreclosure and I need to safe my home. This is my only shelter. 
On XXXX XXXX I received a notice from Selene Finance that they were now holding our mortgage. I approach them and no one could help me. I have hired an attorney XXXX XXXX XXXX who is helping me with he paper work. I have requested a loan modification with Selene Finance however my shelter, my home is listed in the news paper for a foreclosure sale day of XXXX XXXX .Please note that these banks due not take the time to help. I am asking for you to please have my file review and give a chance to keep my home.. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: FCI Lender Services Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Under 12 CFR 1024.38 ( b ) ( 2 ), the servicer must properly evaluate loss mitigation applications by providing accurate information regarding loss mitigation options available to the borrower and ensuring that a timely review is made of said application. The procedures must also comply with 12 CFR 1024.41. I made an application for a loan modification and it was not fairly or properly processed. It was denied based on erroneous information. 

On or about XXXX XXXX, XXXX I requested a loan modification from FCI Lending Services , Inc. On XXXX XXXX, XXXX, I received a letter from FCI Lending Services Inc. indicating that I needed to provide additional information ( the XXXX and XXXX federal tax return and the last XXXX paycheck stubs ) byXXXX XXXX, XXXX. I sent the additional information on XXXX XXXX, XXXX by express mail and it was received by FCI on XXXX XXXX, XXXX. 

On or about XXXX XXXX, XXXX, I received a letter from XXXX XXXX, who appears to be both the CEO of FCI Lender Services , Inc. and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX as trustee of the XXXX XXXX ( the proposed investor on my alleged loan ) via XXXX XXXX, he denied the loan modification based on " insufficient income ''. " Debt to income ratios XXXX siting the average monthly income on PAST tax returns of {$9200.00} and not the current income submitted which shows income averaging over {$17000.00} per month in XXXX. The XXXX paystubs that were sent to FCI, Check # XXXX dated XXXX and # XXXX dated XXXX respectively show income totaling {$34000.00} during that two-week period which was completely ignored. The denial was based on erroneous information. 

My loan modification application was not properly processed as it ignored the current income and based the decision on past revenue which is not relevant today. 

Additionally, I have requested a complete detailed explanation of the current deficiency which has gone unanswered. I believe the current monthly payment is also incorrect and does not reflect the terms in both the Truth in Lending Statement as well as the actual terms of the Adjustable Rate Note.

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 2020-09-25
Company: EQUIFAX, INC.
State: CA
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:
XXXX of this year I filed disputes with the credit bureaus and yet to this day have a received anything from them. This is holding up my processes of repairing my credit and I feel this isnt right. I know the law said they must reply within 30 days it has been longer and this should not be allowed no matter what going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: SYNCHRONY FINANCIAL
State: NJ
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:
The company called me in regards to my bill I paid it with two different accounts and they processed the payment slower than normal which then put a delinquent notice on my account which was incorrect, my credit score has dropped dramatically because I have never been late with any of my bills and yet now Im having a difficult time trying to rebuild my credit because of their mistake

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 2017-01-24
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Open letter to LoanCare CEO XXXX XXXX, Senior Vice President, Loan Administration XXXX, Executive Vice President and Chief Operating Officer XXXX, Senior Vice President, Client Relations XXXX, Senior Vice President of Loan Conversions & Escrow Department I bought a house two years ago. My loan was sold twice. The current loan servicer is LoanCare LLC. The county in which I live sent me a property tax bill in XX/XX/2016 which is normally paid by the mortgage servicer who manages the escrow account. XXXX went by without a payment by LoanCare LLC to the county for taxes. I received a follow-up letter from the county that said I ws in default and that if I did not pay immediately I would incur penalties and interest. Therefore, I immediately paid the taxes due directly to the County. The taxes are now paid in full by my own payment. Since then, LoanCare claims to have paid my taxes out of my escrow but the County Tax Administration states that they have only received one payment, and that payment was the payment I made from my checking account. I have receipt from County proving I paid these taxes and I have bank statement proving that payment came from my own personal funds from my own checking account. Yet LoanCare charged my escrow account for the taxes which they did not pay. I 've called LoanCare a dozen times. Each time I spend ten minutes navigating the automated IVR system only to be hung up on by the IVR system. I 've actually reached a human twice. The first time, the human promised to credit my escrow account for the duplicate payment. The second time the human said their systems were down and she was unable to help me. So far, no credit has been issued. I request an immediate credit to my escrow account. 

Please contact me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX apts turned over a false debt to Southern Management In my name I do n't owe anything to anyone Yet Southern management has put this on all XXXX of my credit files

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 2022-05-23
Company: CCS Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i pay my insurance annually in advance. my policy with XXXX expired XX/XX/2020. Due to substancial premium increase i did not renew the Policy. i changed to XXXX. I called several times and spoke to agent at XXXX who advised due to covid mandates & absentees they run all policies for 6 months due to not being able to cancel anyones policies. they asked for me to email the Declarations page of my XXXX insurance confirming my new policy with XXXX running fron XXXX XX/XX/2020 which i did. however XXXX failed to pass this crucial information to XXXX XXXX XXXX  which is still listing, to date, {$810.00} as owing on my credit history, which i never owed in the first place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
On XX/XX/XXXX, I contacted XXXX with the attached letter, to notify them that Capital One, is being reported incorrectly. On XX/XX/XXXX, I received a mailing attached as XXXX  refusal ( which claimed to be from XX/XX/XXXX, although I believe it may have been sent after 30 days ), stating that my request was " not specific '' enough, although a copy of the motion from Capital One 's attorney was included. The error is in regard to a {$110.00} filing fee for a fruitless lawsuit from XX/XX/XXXX, in XXXX County Municipal Court, which was dismissed at Capital One 's request by the Court. Please see the attached motion. I have tried to correct the error with both Capital One and Capital One 's Attorney, who responded on XX/XX/XXXX, with no later response in regard to this error. Capital One, refuses to produce a contract, or agreement to pay. There should be no doubt that the error is being overlooked, Capital One is providing false information, and XXXX, has material evidence which is more than sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
After pulling my credit report have reported this matter to Credit Acceptance numerous times and the XXXX Credit Bureaus, I must add that there employees are very condescending and rude. When I would call to make a payment they ask me what made me fall behind ( I am not behind. I am making a payment today i would inform them I have never missed a payment. ) This company reported late payments my whole duration as a customer.

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 2015-04-21
Company: ENCORE CAPITAL GROUP INC.
State: NE
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:
Midland Funding LLC XXXX XXXX XXXX XXXX Took an account that was charged of in XX/XX/XXXX and re-aged the account to XX/XX/XXXX when I called them to inquire as to what the account was for. My understanding is this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I noticed a charge for {$170.00} on my american express bluebird card from my health club. I went to the health club and the manager said the charge was a mistake and was based on some old paperwork that had a one time payment on the bluebird card. The manager refunded my money and gave me a receipt for the refund. American Express however will not release the funds, which I desperately need today to pay my electric bill, for 8 days. I did n't do anything to incurr this charge and I promptly addressed it when I became aware of it. American Express Bluebird however refuses to help me or even give me an email contact where I can describe the issue. It appears that American Express Bluebird Cards are being marketed as an alternative to banking when it is not. The money in a bluebird account is not secure and any merchant mistake can cause the consumer to lose all access to their money for 8 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bureaus stated XXXX XXXX  # XXXX, XXXX  XXXX # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX Were all properly investigated but how is that possible if there are still numerous inaccuracies on my credit report amongst all three Credit reporting agencies with more than 3 inaccuracies and inconsistencies per account such as, the date last active, open date, credit type, account rating and more. This is grounds for removal They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also. Violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 

Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I made a payment to EdFinancial on XXXX {$1000.00} on one of my loans when I saw they were compounding interest daily and I was still attending school with no job during a pandemic. 

I found out that I can request a refund on the loan and I am suffering a financial hardship and need a refund of that payment. 

I called in to EdFinancial on XX/XX/XXXX and requested a refund of this payment via postal service since the account I made the payment with is no longer active for a direct refund. 

I also chatted with their service to follow up a week later. I uploaded a formal letter to them on XX/XX/XXXX outlining my request for the 3rd time. 

To this date I have no confirmation that they acknowledge my request and have been ignored with no notation of refund requisition on my account. 

Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving repeated calls from someone at a collection agency on behalf of American Express. They have contacted me repeatedly about a debt that belongs to my father. They always begin the call by stating that I am not responsible. They then proceed to ask me a series of questions about my father, his intentions to pay, and when and how they can speak to him. This has been going on for months. I have repeatedly requested that this man, and I believe that it is the same individual, stop contact me at my mobile number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX Account # XXXX and US Dept of EDU Account # XXXX, 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 a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: EQUIFAX, 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:
My Information was ran by these companies without written consent. I have listed the companies below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Professional Debt Mediation, Inc.
State: TX
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:
Shortly after we moved out of our apartment, XXXX apartments put a {$500.00} collection on our accounts. We left the apartments in good standing, having paid the last month 's rent prior to moving out. XXXX had also never notified us of any additional amounts owed after we moved out. I managed to come across the collection as an alert had come through on my credit monitoring application. 


Me nor my wife are responsible for anything that happened to the apartment after we turned in our keys. I am requesting a full disclosure and verification of debt on this account. I would really like this matter to be resolved as early as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
Bluebird debt card is refusing to transfer Close bluebird I kill my {$170.00} into my open bluebird account I have called a number of times and it still sitting in the closed account all do too sprints cell phone service criminal activity. After 5 1/2 months and telling to go executive supervisor at XXXX cell phone service that that card is been closed they still sent that to the close the bluebird account. I will either have to file a federal lawsuit against the Bluebird if I do n't get satisfaction in 24 hours

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-17
Company: TRANSWORLD SYSTEMS INC
State: GA
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:
Transworld Systems Inc keeps sending letters and calling saying I owe XXXX. This was paid back in XXXX and I paid XXXX. The keep calling and harrassing me even though I no longer owe anything. The letters they send out has a number that is disconnected and when they call me and ask for a manager they refuse to let me.

Company response to consumer: Closed with explanation