BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen and/or XXXX XXXX XXXX fraudulently obtained my personal and sensitive loan data from my XXXX mortgage holder XXXX XXXX. Owen wrongfully foreclosed on my home on XXXX XXXX, 2016. I obtained information from my XXXX lender XXXX XXXX on Tuesday, XX/XX/XXXX that they received a phone call on the day Ocwen auctioned my home fraudulently using my ex husbands name. My ex husband is willing to testify that he did not call in. The person had my ex husbands name, loan number, birthdate, last XXXX of his social security, and knew the property address. After XXXX XXXX verified who they thought was homeowner on the loan, the preceded to offer my loan status, my reinstatement amount, my current interest rate, and a payoff quote. Now only ocwen knew my ex husband information as he was on that loan too. They fraudulently used his name to to obtain the information to conduct a wrongful foreclosure. Or perhaps they helped XXXX XXXX XXXX obtain that information. I would like Ocwen and XXXX to answer to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred to Green Tree Servicing in XXXX, 2015. It was at this time I found out an escrow account had been placed on the loan by XXXX ( the prior loan carrier ). I contacted XXXX and showed proof I had home insurance and they immediately flat-cancelled the policy and refunded escrow fees to Green Tree ( since they now had my loan ). Since that time I have been trying to get Green Tree to cancel the escrow and refund all escrow fees. I called in XX/XX/XXXX and they asked for copy of email from XXXX showing the insurance was flat-cancelled. I mailed that in but still no resolution from Green Tree. Green Tree has NEVER responded to me except for canned email responses which say it takes 30 days to respond. I have kept copies of all emails and letters mailed to them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08
Company: Tormey Bewley Corporation
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
in XXXX I viewed copies of my credit reports. I seen several discrepancies at which time I disputed these accounts with the credit bureaus. several accounts were updated except for a few accounts. I disputed them again to no avail. I then called this collection company " Albuquerque collections '' at which time I spoke with a co. rep " XXXX XXXX ''. I told XXXX XXXX about the account being discharged in bankruptcy. she said that they did n't know anything about a bankruptcy, but would look into to it. she asked me to provide her with all of my information for verification, I did. she then told me she would remove this account from their records and update it with the bureaus. she also said they report to the bureaus once a month and this would in fact be updated within 15 days, which was their next reporting schedule to the bureaus. nothing was updated as of XXXX. I called them again and spoke with another rep. by the name of XXXX XXXX, who also asked me for all of my info. I complied, put me on hold and then she came back on the phone and told me that there was a mistake made previously and that she would in fact correct the mistake and update the account. as of today XXXX, this collection account from Albuquerque collection co. is still reporting this account as an " open account '' with a balance of {$240.00}. my bankruptcy was discharged in XXXX and 8 month later this company is still violating my rights under " the fair credit reporting act ''. about 2 or 3 days after my first call to this co. I started getting after hours phone calls from XXXX XXXX. XXXX '' logo. wanting me to take her out to dinner and wanting to spend the night. XXXX XXXX also told me that they are paid on commission and get a percentage of what they collect. I wonder how many people they sucker in to paying them, especially if they have a legitimate dispute of the collection.

Company response to consumer: Closed
Consumer complaint received 2015-11-12
Company: TMX Finance LLC
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We have a loan at Titlemax here in XXXX Tennessee we never been late we did have our pay day moved because we only get pay on the XXXX. This month I went to make a payment the loan is in my wife name we have XXXX loans on her car I make XXXX payment she makes the other. This month however as I went to make a payment they had moved and would n't take a debit card payment I do n't carry cash with me. So I made the statement I do n't carry cash and I will try to get back one day that week to make a payment. The XXXX guy who claims to be a manger said I had until Wednesday to make the payment I said once again I will be back one day this week again he said you have until Wednesday to make a payment I ask him than what you going to take the car throw me in jail beat me up. He never would say what would happen he was just a XXXX finally I told him if he came and took the car I would sued his XXXX. I walked outside to leave he follow me out and told me not to come back that XXXX could come and make a payment I told him we both made the payment and he did n't have to be just a XXXX. I call Corporate finally and the district manager called me back and he said I had 31 days being late before they could come and get the car. My wife finally went and made a payment and the guy told her I was cussing in front of customers. That is a lie from XXXX there was no customers or they was invisible ever XXXX else the employees was out to lunch but XXXX guy, I will tell him to his face he is a XXXX liar he bully me threaten me and cuss me out he had no right to do this. 

The car finance is in XXXX name XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2017-04-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX / XXXX /   2017. Wells Fargo Mortgage, one of  the largest corporations in the nation and yet they can not take a debit card for payments online, must have a bank account with routing number. Have called and spoke about my unbelief that they can not accept a debit card, and it was verified that they do not at this time.

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 2016-03-07
Company: Paramount GR Holdings, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I refinanced my home with Paramount Equity and used the money to pay my credit cards. Part of the requirement by underwriting to receive the loan I was told I had to close all of my accounts. I was also told to not pay any bills during the process of the paperwork. They had a third party person I had to contact so Paramount could verify I had closed my accounts. Today I found out that this process had ruined my credit rating and that this process was illegal. I am XXXX years old and I feel I have been taken advantage of illegally. The people I talked to today told me that this was the reason my credit score plummeted. He told me my score was under XXXX on XXXX score and the low XXXX on the other XXXX scores. He told me my credit score was near XXXX until this was done. Can I get some help.

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 2015-08-18
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was originally with XXXX XXXX XXXX then transferred without my knowledge to greentree who did not honor my current modification I was under with XXXX so it started off bad me trying to get a new loan mod with them after two years being told I did n't qualify then they almost foreclosed on me until I hired a lawyer then Florida hardests hit paid almost {$12000.00} to my account to cover all past due fees and bring me current again now asked for a new payoff and see that Greentree has added an additional {$38000.00} to my loan amount and have called it corporate advances?? seriously my original mortgage is only XXXX now the total payoff is over {$80000.00} after we just put XXXX towards the account? I cant understand how this is legal to double my mortgage amount without my permission or consent? greentree did not honor XXXX original note or loan modification now it has already cost me over {$15000.00} in lawyers fees to save this home and clear my account and now they had added all this money to it. I need help with this matter this is no fair to me as a consumer and I wanted to transfer this loan from greentree to another lender and found this corporate advance amount added to my mortgage I need this cleared in order to proceed. Can you please help me with this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
ECMC is reporting a collection on my credit report for a student loan where there were no payments due while I was in school. When I got out of school and the payments came due the account was sold to XXXX XXXX XXXX and I started making payments. I started my payment plan with XXXX XXXX XXXX and have never missed a payment with them in approximately 3 years. XXXX XXXX XXXX is reporting the student loan on my credit report. How can they report something that the payment was not due and is a duplicate?

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 2017-01-03
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A lawyer and I have been work with Ocwen for about wo years trying to get thing done that they asked us to do and still have not gotten any where with them. This lawyer can not handle this he asked that I will get with you all to see what can be done. I have information to e-mail to you from his office and material to mail to you from him that you need to see. Please get with me as soon as possible so I can get this to you I can e-mail this to day or tomorrow in his note he said he will give you all information that is needed. Thanks XXXX XXXX, Yes got behind but did everything they asked us to do to sell this house. we have the process and steps I had done to get this house sold and also they ask me to give it back to them tried that. you have to look at what the Lawyer did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Diversified Consultants, Inc.
State: FL
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:
I have call and asked this Collection Agency, Diversified Consultant to remove a collection of {$170.00} from XXXX XXXX XXXX they claim they have the authority to collect. The first time I called they could n't find that I owed a debt and the second time I called they told me that they had an account but my Social Security Number did n't match the XXXX they had on the account. 

This is not my debt I have never had any type of service with XXXX XXXX XXXX. I asked for a verification of the debt and ended up talking with a Supervisor named XXXX XXXX direct phone # XXXX. 

XXXX was very helpful and informed me that the Social Security # associated with this collection account was different than mine.He said they would remove/delete this collection from all XXXX of the Credit Reporting Agencies XXXX, XXXX and XXXX XXXX if I would fax them some information. 

He instructed me to fax front page of my Credit Report and the page showing the Collection Account. In addition to fax a copy of my Driver Licence and Social Security Card. 

I complied and faxed those items he listed to the fax number he gave me XXXX. That phone number is not a fax number but goes to a vice mail box message. 

I have called Diversified Consultant XXXX more time to confirm the fax number and was told both times that is the correct fax number. I ask them to call the number from a phone and it goes to a voice message. I am frustrated!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Real Time Group, Inc.
State: DC
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Real Time Resolutions has been repeatedly calling my about a debt which they have incorrectly attributed to me. I have attempted to have this rectified but the company refuses to inform me of what they need to remove this from my record or to stop calling and mailing me about this individuals debt. The person they are looking for has a name similar to mine, but is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XX/XX/XXXX I had someone open a XXXX cell phone in my name with out my knowledge. I disputed this with XXXX and it was resolved and deleted. now a collection agency is reporting that I have a new collection with them as of XX/XX/XXXX I do not have a collection. and this was identity theft from XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I Dont have a XXXX credit card this company has been harrasing me for the last few years, i have asked them to tell me what was bought and when, and they said they dont have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Diversified Consultants, Inc.
State: CA
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:
Diversified consultants reported a paid account to my XXXX credit report. Their reporting indicates that they reported a debt for the first time after it was already paid. Reporting already satisfied accounts to the credit reporting agencies are illegal and malicious. This account needs to be removed asap because it was satisfied prior to reporting to my credit report. This company reported this to my credit report after I inquired about as to why I was receiving communication from them when the debt was already paid. Illegal and malicious practices.I have contacted the credit reporting agency and as per the credit reporting agency Diversified Consultants continue to verify with the credit reporting agencies that this information is accurate and it is not because this company should never have reported this collection account that was already resolved before the initial reporting. Not only is that a violation in itself ; they continue to violate by verifying this information as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone stole my identity and opened a XXXX account in the XXXX XXXX XX/XX/XXXX for about {$3800.00}. I 've lived in XXXX since XX/XX/XXXX. I 've had XXXX since XX/XX/XXXX. The same phone number for 10 years. Also I 've never lived in XXXX. In XX/XX/XXXX I filed a police report where I live in XXXX stating this account and possibly others is identity theft. A few years back the state of XXXX tax dept was hacked exposing XXXX residents personal info such as social security numbers. I ca n't verify that is the reason of my identify fraud but I assume that 's the only logical explanation. I have the XXXX police report, my XXXX id and the utility bill for my place in XXXX to dispute these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called FCO and spoke with a XXXX XXXX I asked for something so I can see if this is our debt or not the CSR kept trying to verify over the phone and make me state that it was my debt. I told him that I do not know what this I want something sent but he was n't trying to me anything until I verified if it was mine, hence me needing documents he said they have had it since XXXX/XXXX/2014 I have not received anything to verify or dispute this and we would like this removed from our credit if indeed this is not ours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Diversified Consultants, Inc.
State: CA
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:
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
It is a private loan with Navient I am unable to find flexible repayment options. I've been repaying these loans for a long time at least 10 years and they never offer different option for repayment plans. I feel the school was also predatory because they told me I could consolidate these private loans and it was very misleading on the school part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX is reporting a credit account on my report that doesn't exist. I called XXXX and provided my social security and no records were found yet they have a negative account reporting on my Experian credit report.

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 2015-04-22
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
This is a detailed Email from my Realtor : to the COE of XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' We have sent everything ( XXXX ) need to process the loan for XXXX XXXX XXXX, XXXX at least two weeks ago and we still do n't have a closing package at the Title company for the HUD and closing. 
This is a Fannie Mae loan and I have been telling everyone all along and especially over the last two weeks that we MUST HAVE THE FILE TO TITLE 48 HOURS BEFORE CLOSING. 
The file was complete Thursday, XXXX XXXX with corrections on name and ready for underwriter. I expected to see it arrive at the Title company and have a HUD done on Friday only to be informed by your local representative, XXXX XXXX, that nothing had been done yet but should be done by early week. 
I requested the file to be complete and sent to title on Monday so we could close on Wednesday. Your employee XXXX XXXX stated that " closing date is XXXX XXXX so the file will be there the XXXX ''. A FANNIE MAE LOAN NEEDS TO BE AT TITLE 48 HOURS BEFORE CLOSING!. 
I have talked with XXXX and he can not seem to get the file escalated enough to meet the deadline as of yet. WE have 2 hours to meet the deadline - see email from XXXX XXXX at XXXX XXXX. If it is not there by XXXX EST, we will not make the closing. 
My buyer has given extra time in planning his life ( we have moved the closing from XXXX/XXXX/15 to XXXX/XXXX/15 to XXXX/XXXX/15 ) but we have maxed out his time. He will be without a home XXXX if this does n't close on time ''. 

No one took the time to explain to me why we could n't close on each of the previous times listed. This has been a great waste of time and money for me. Now as of the XXXX of XXXX I will not have a place to call my own due to the fact that I picked XXXX as a lender for my XXXX loan. Overall this has been a awful experience. I am disappointed, angry and very unhappy. For more than a month, this has been happening. Thankfully, I have detailed email threads for proof and investigation by attorney. 

Hope this helps someone. 
Thanks XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation