BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-06
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was involved in a motor vehicle accident in 2012. My relatives PIP insurance did n't cover my medical bills nor my lawyer. Now they left me with a debt that is not mine. The medical bill from XXXX medical center XXXX. I am already paying a debt from the audit-adjustment company right now. I have XXXX to pay still. I need help and someone needs responsibility its not me. I want you to take this amount XXXX off my report. I believe that people need to take care of debts not put me in a situation that makes me feel guilty here. No body has contact me ever since they just want money from me. I am speaking honest here no one should go thru something like this. So please resolve this. I will no longer take responsibility. Someone needs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My home has been stolen by Wells Fargo Bank N.A . but XXXX XXXX XXXX XXXX has fraudulently used XXXX and XXXX XXXX law firm ( out of XXXX XXXX Arkansas ) to foreclose on my home. XXXX XXXX XXXX XXXX signed as the attorney in fact for Wells Fargo NA Bank on a substitute trustee filed in XXXX XXXX, TN registry of deeds. Wells Fargo has foreclosed on my home and sold it back to themselves. They never sent me XXXX bill nor responded to any of my legal requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2016 we paid {$20000.00} in escrow account. I received a refund check for {$6600.00}. Our insurance is {$1300.00} per that year and our taxes were around {$3200.00} that year. This left as balance for XX/XX/2016 for over {$9000.00} that no one can account for. I want this investigated I have the proof of papers showing everything I talked about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have for the last few years paid {$300.00} to my Escrow, now my Homeowners Ins. and Taxes come out, they are {$1900.00} for my Ins. 
and {$480.00} for my taxes. That totals {$2400.00} per year from my Escrow which has a total of {$3600.00} in it, now once that amount is paid, my balance is {$1100.00}. Now each year this money in my Escrow just disappears. No record of it, I want to know why did they increase my Escrow payment for more than what is needed and where has the extra money that remains in my Escrow gone? It should go to me or be paid toward my next year Escrow, this has been going on for years now. 
Please, the excess payment has put me in a stressful position for years, so where does the hundreds of extra dollars in my Escrow go too?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My father passed away XXXX/XXXX/2015 and the mortgage company OCWEN Loan Servicing continues to add fees to his account, {$30.00} to tell me how much top pay off the mortgage, {$19.00} to pay over the phone. They tell me they are a business so they can charge fees ... ..Charging fees on an account of a deceased person is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: EQUIFAX, 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:
I have sent three separate letters to Equifax dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking Equifax to provide me with VERIFICATION of the below mentioned accounts reporting on my credit report. Equifax has repeatedly ignored my requests and repeatedly violated section 15 U.S.C. 1681 of the FCRA.

They have instead, negligently forwarded my requests of EQUIFAX to verify over to the furnishers of credit. These SAME furnishers have responded each time by UPDATING different information on my credit report which further lets me know that not only does Equifax not keep documents to verify that a furnisher is reporting accurately but they also do not verify that the information being sent to their crediting reporting agency is accurate either from the numerous updates and corrections supplied by these furnishers. 

Equifax 's negligence to disclose to me all of the documents that they have recorded and retained in their file concerning the accounts in question has made it difficult for me to receive the best possible rates on loans which in turn has caused me to suffer to spend more out of pocket than I would have to if Equifax would simply comply with the federal law. 

I am sure that Equifax is well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilites to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burder back to the consumer and the credit grantor can not fulfill the obligations impost by 1681 ( a ) ( 4 ).

The following accounts are in question : 1- XXXX XXXX XXXX XXXX XX/XX/XXXX 2- XXXX XXXX XXXX opened XX/XX/XXXX 3- XXXX opened XX/XX/XXXX 4- XXXX XXXX XXXX XXXX opened XX/XX/XXXX 5- XXXX XXXX XXXX opened XX/XX/XXXX 6- XXXX XXXX  XXXX opened XX/XX/XXXX 7- XXXX XXXX XXXX opened XX/XX/XXXX 8- XXXX XXXX  XXXX opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-17
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX ( following filing Chapter XXXX Bankruptcy ), I applied for a Loan Modification under the HAMP Program with my lender, U.S. Bank Home Mortgage. After several months of submitting any and all requested documentation I was denied due to 'documents not being received. ' Because U.S. Bank was virtually non-responsive, despite me reaching out to them on a regular basis, I also refiled the application with the assistance of XXXX. I subsequently filed a complaint with the WA Attorney General 's Office, who received a letter from US Bank, stating that the underwriter had been in error and they reopened my application. Today I learned that my loan modification had been denied again, this time for reasons that are again, erroneous. While I understand that, according to US Bank, there is no guarantee of loan modification, the HAMP program was designed to assist homeowners having difficulty with their mortgage payments, and prevent them from going into foreclosure. I have never been late or missed a mortgage payment. I am on XXXX, am almost XXXX years old, and believe I qualify for the HAMP loan modification program. Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: PR
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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: AL
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:
I have 8 hard inquiries that I did not authorize which is identity theft and fraud the names of the companies are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-13
Company: PNC Bank N.A.
State: GA
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:
I contacted XXXX, XXXX, and XXXX on XX/XX/01 and was told I needed to file out an FTC report to get inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: BANK OF HAWAII CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Can you tell me if I need to write a letter to my bank to request the PMI payments no longer be required? I passed the Scheduled XXXX % LTV Date on XXXX/XXXX/2014, however they are still billing me for PMI premiums in my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
we have had a chase credit card account for our business for nearly XXXX years. it has never showed on our personal credit reports. a payment was late in XXXX XXXX this was a bank error. chase decided to report this lateness to the credit bureaus and put the account on our credit reports even though the account and the previous XXXX years of on time payments had never before been on the personal credit reports. as long as it was in a positive status they did n't bother reporting it. only when it was late did they decide to add it. this late payment status has negatively affected my credit and has caused a lengthy mortgage refinance process to come to a halt over this late payment on the credit report. without this refinance we stand to lose close to {$90000.00}. chase will not entertain the possibility that this is an error. they refuse to change the information. they do n't care even a little about customer service or a decade long customer relationship. they did not speak with us prior to this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
While in XXXX on vacation and my card was fraudulently charged XXXX on XX/XX/2022. I did not catch the charge on the first bill, but when I did see the fraud, I called US Bank immediately to report it. US bank put a temporary credit on my account, but for some reason removed the credit and are now trying to make me responsible for the fraudulent charge. XXXX things I have a problem with. Number 1, US Bank isn't working with me to resolve the fraud and Number 2, I cant believe US Bank wouldn't flag a charge in this amount in a foreign country. US Bank is not working with me and they continue to harass me for the payment, but will not research the fraud charge.

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 2021-07-28
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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 Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. 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 2017-02-03
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called in to Convergent outsourcing solutions to get verification of a debit that showed up on my credit XXXX, XXXX 2016. I called in and requested a letter for the debt. The representative told me that she could n't send me a letter because I was n't making payment on the debt at the time that I was requesting the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: IN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-13
Company: First Advantage LNS Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have asked for a copy of an original contract and a completed XXXX form. I have not been supplied with either. In fact, in a response letter, they admitted that they do not have an original contract. I believe this account is a result of identity theft. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18
Company: Convergent Resources, Inc.
State: NC
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:
Received a Settlement Offer. I responded to accept the offer. I sent my credit card information to take the settlement offer. However they never updated my credit report to reflect Paid in Full as indicated in the settlement offer..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: AL
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:
Starting disputing my credit file around XXXX XXXX for inaccuracies. My file  came back verified so I ask the process of the way of verification and I never received anything  back from the bureaus.
Now the disputes were with
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 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 2022-11-13
Company: Experian Information Solutions Inc.
State: CA
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:
This not a duplicate request. This is not made in error. I do not consent to e-Oscar verification. Please see attached document for review.

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 2017-01-11
Company: EMBRACE HOME LOANS
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For over thirty years, my mortgage payment was never, never late. It was setup as an automatic payment. Over a year ago I refinanced my home with a XXXX loan with Embrace Home Loans serviced by LoanCare through automation. Then some six months later, my loan was sold/transferred to XXXX Mortgage Servicing Corporation on behalf of Embrace Loans. I was given a new mortgage number that needed to be setup so that the new servicer could receive payment. Then six months letter I receive another letter informing me that my loan was transferred back to XXXX with another new loan mortgage number. So when I attempted to make make payment, I am told that I have several loans and choose the loan I want to make payment to. This process of transferring my loans has become my burden of paying my loans without being charged for late payments. 
This would not be an issue if the mortgage servicers would make these transfer of information less frustrating to the customers. The loan servicers selling and reselling this loan are making the profit and I the customer have to be extra concerned that my mortgage does not become a late payment thereby putting extra fees unto my loans.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2015-12-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE Finance. XXXX XXXX. {$140.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent letters to XXXX, Equifax, and XXXX on XX/XX/2021 with no response from any of the credit bureaus against my request to remove all addresses and incorrect personal information that does not belong to me on my credit report. 

XXXX Incorrect Names - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax Incorrect Names : XXXXXXXX XXXX XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: CURO Intermediate Holdings
State: TN
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:
XXXX XXXX XXXX XXXX : Have been going back and forth with company for months. Stopped a few months because I gave up. Recently have tried again the beginning of this month. XXXX XXXX XXXX XXXX is on my credit report twice with the same account number, but have different amounts, dates opened dont match and balance do not match which is against the FCRA XXXX Please see and compare both screenshots with the same account number listed twice but different information ( SEE SCREENSHOT ATTACHED ) AD ASTRA RECOVERY : Account status is listed as OPEN on a supposed-to-be collection account under XXXX and XXXX, but closed XXXX XXXX. Also reporting a slightly different balance. ( SEE SCREENSHOT ATTACHED ) XXXX XXXX XXXX  : XXXX listing as OPEN on a collection account, listing closed on XXXX. Accounting not reporting 100 % accurate across both reporting bureaus. This is against the FCRA. ( SEE SCREENSHOT ATTACHED ) XXXX XXXX XXXX : THIS COMPANY IS NOT REPORTING THE SAME INFO ACROSS EACH REPORTING CREDIT BUREAU AND LISTING ACCOUNT OPEN WHEN IN COLLECTIONS AND ACCOUNT NUMBER DOES NOT MATCH UNDER XXXX. THIS IS NOT FCRA COMPLIANT ( SEE SCREENSHOT ATTACHED )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Harvard Collections, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX XX/XX/2015, I received an alert that a new entry had been made on my credit reports by XXXX XXXX for over {$7000.00}. When I viewed my report, it only said that the original creditor was XXXX XXXX, but no additional information. Through the credit reporting agencies, I asked to verify the information. 

Additionally, I researched the company online and located several numbers that either had recordings ( I left messages ) or no answer. I located only XXXX email address and sent an email requesting a copy of the original bill. None ever was received and I had no contact from them. 

In XXXX, I contacted the Better Business Bureau. They received a response form XXXX XXXX saying that they would contact the original creditor for the bill and forward it to me. It has been over a month since then, and I 've received nothing. 

To date, I still have no idea what this debt is, when it originated, nor who it is from.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed