BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-21
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
During a very slow and painful loan modification XX/XX/2015 our mortgage company, Ocwen, stopped paying our mortgage insurance from our escrow account. We were assured that once the modification went through, payments would begin again and bring the insurance premium current. Our modification was completed and I assumed payment had resumed as each mortgage statement included the amount for the premium. My husband passed away on XXXX XXXX, 2015. I called the insurance company to make a claim and was told that no payment would be made because the account was severely in lapse ( only brought current through XXXX 2015 ). Ocwen was made aware of the problem and I was told that yes, they had not made payments on certain dates, causing the policy to lapse. Nothing further was done. I called again on XXXX XXXX to make a formal complaint and was told they would look into it. Each week since that time they call to inform me that they have n't forgotten about me, but nothing new has been discovered. I understand that some research must be done, but my husband has been gone for 4 months now and I have continued to pay my mortgage on time ( plus additional towards principle ), as I have done each month in the past. I would very much like for this issue to be resolved quickly ( or as quickly as possible ) and I feel that Ocwen is dragging their feet in the hopes that I will give up and forget this issue. It seems that this is a common practice for Ocwen as we have experienced this behavior in previous dealings, which once included another formal complaint being made on our behalf by our Congressman 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am unable to get statements of account from bank, to validate my payments are actually going to my car purchase. Online statements were frequently unavailable " No accounts found '' and paper statements never get mailed. Bank states they 've got everything set correctly, but I still never get anything. Not even sure of exact loan type as the bank has yet to provide me any paperwork other than an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I pd off my mortgage to Ocwen on XXXX/XXXX/2015, in payoff was added for escrow, butthere was escrow bal. taxes for XXXX had been pd. Now XXXX 2015 I have n't gottensatisfaction letter ; taxing agency has not gotten release of lein ; refund of escrowbalance & there is a derogatory comment on my credit score, even though I have n't been late in yrs. 
I have talked to them ; had ombudsman, now I 'm threatening them with legal action. 
I ca n't get anywhere w/them. Tax bills come due in XXXX & I 'm wondering what the hellwill happen. What a bunch of yaahoos.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi I called OCWEN Mortgage on XXXX/XXXX/XXXX to make a payment over the phone and was told that I was unable to do so, even with a POA on file. In good faith, I mailed XXXX ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) payments to OCWEN in an effort to make payments on the loan with my mailing address and instructions to send any correspondence to me regarding the payments. Per Ocwen, the checks were mailed back to me because they were not the correct amount to bring the loan current. I have sent correspondence to OCWEN via their Customer Service Link on the OCWEN web site : XXXX XXXX, XXXX and XXXX asking for an amount that was due on the mortgage in which I received a letter with an amount to reinstate the loan mid XXXX. 

Please note that on XXXX XXXX when I called and spoke with XXXX, I was not able to access any information on the loan even with a POA on file. 

Today, XXXX/XXXX/XXXX I spoke with XXXX XXXX who was very helpful and informed me that my POA had expired and needed to be resubmitted. This was accomplished via mail and the account has been updated to provide account access when I call. 

I was not informed that the POA had expired and needed to be renewed on XXXX/XXXX/XXXX when I called and spoke with XXXX, nor in any of the letters sent to me from OCWEN on XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. 

This is a problem which could have been easily cleared up on XXXX/XXXX/XXXX. However, I was never informed and have been trying to get an amount due on the loan since XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX foreclosure proceedings were initiated on the loan. 

I was unemployed from XXXX XXXX until XXXX XXXX, XXXX and called to make a payment on the loan XXXX XXXX, XXXX and was not able to do so. 

The additional expense XXXX from trying to obtain the amount due could have been provided to me if anyone from OCWEN would have told me the simple fact that I needed to resubmit my Power Of Attorney. 

Thank you for your time and attention to this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
experian violated the FCRA laws whee states you must give a customer most recent updated credit score : see attachments for violations maybe hire people in AMERICA that actual know how to read credit and use it not some 3rd world country : thanks below youll see the date and the credit report they provided me ONLINE as evidence

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 2021-06-29
Company: Persolve, LLC - Legal - Series 2
State: AL
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:
The acct is not reporting correct information to my credit file- this is not my acct and this is causing issues with my credit file and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Thomas & Thomas Attorneys and Counselors at Law, LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The debt collector used a third party to verify my employment. This third party had my social security number? My boss thinks I 'm trying to get a new job as she said loans & jobs are the only legal reason for job verification. Is that true? The third party said they did n't know why the company wanted to verify my employment only that they were asked for the information. Are companies allowed to share my social, address, etc with other companies? Why would n't said company just call themselves?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX 2016, we received a new statement for XXXX XXXX 2016 from Ocwen Loan Servicing. This statement reflects that Ocwen has raised our payment from {$690.00} to {$720.00} per month. Our modification agreement clearly reflects a 2 % interest rate. Our statement on XXXX XXXX 2016 from Ocwen clearly reflects that they were putting {$300.00} towards the principal, {$240.00} towards the interest and {$140.00} towards the escrow for taxes and insurance, totaling {$690.00}. Per our XXXX 2016 statement, Ocwen is charging us {$300.00} for principal which is more than previous, {$240.00} for interest and {$170.00} for escrow which is more. Now, several days ago I contacted Ocwen Loan Servicing regarding this issue. I asked them to send me an annual escrow account disclosure statement. On XXXX XXXX 2016, we received this statement. Please refer to scan # XXXX. Ocwen reflects on this escrow history the amounts paid into the escrow. The issue is, we have paid two months in advance, per our statements. The escrow sheet clearly reflects that Ocwen received the last escrow payment in XXXX 2016 and nothing in XXXX, XXXX or XXXX 2016. With this information provided, we should not be short in our escrow account because our insurance is not due until XXXX and our taxes are not due until XXXX 2016. This means, we should have more than enough funds within our escrow account to pay out taxes and insurance when they become due. Ocwen did not need to raise our monthly mortgage payments due to there mistake! If Ocwen Loan Servicing can not service this loan correctly, then we should be allowed to pay our property taxes and insurance ourselves. There is nothing with in our modification agreement nor our original loan documents that reflects that we are not allowed to make these payments on our own. Ocwen is clearly un-professional and Ocwen must allow us to pay our taxes and insurance ourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage Facing Foreclosure, Ocwen refused partial payment of XXXX payments when XXXX payments were owed on XXXX. offered to catch up remaining on XXXX XXXX. Husband, lost employment. She refused {$2800.00} Loan # XXXX. I called on XXXX At XXXX. XXXX XXXX XXXX XXXX XXXX.I also told them my husband was a veteran and that I was giving them a chance before I file a complaint, and to record the call and note the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Proof of Federal Pell Grant as previously complaint stated in more detailed form.

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 2021-06-29
Company: GOLDMAN SACHS BANK USA
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My card was charged with a lot of purchases from Apple Service. It was unauthorized charges. I reported fraud with the credit card company since XXXX, 2020. They were able to reimburse back most of the charges on my credit card. However, during the process, they reported to the credit bureau about my delinquency even during the investigation of the dispute. Finally, I paid the rest of unauthorized charges so my credit report can be cleaned but the delinquency still appears on the credit file. I contacted the credit company but they didn't do anything

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-31
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX/XXXX/2016 I received an e-mail from Citi group advising that my Diamond Preferred Citi credit card was closed due to inactivity. I called right away but was not able to speak with a representative. On XXXX/XXXX/2016 I called and spoke to XXXX who advised she was an " account manager ''. XXXX confirmed that the acct had been closed ; I advised that I did not want my account closed and that I was concerned about it effecting my credit score. I asked for the card to be re-opened to which she responded could be done by me applying for the same card that they just closed. I asked why I did not receive a heads up that the card was going to be closed to which XXXX responded " this is exactly why we do not send heads up because the customer will go out and use it once and then never use it again and we do n't want that ''. I could not believe what I was hearing, I understand Citi bank wants to make money but to relay that information in such a manner to the customer is ridiculous. I advised that I am sure the higher ups would not want her telling customers that that is the reason they do not provide a heads up and she should not tell anyone else that. As someone who works in customer service customers like to feel like more than just a number. I do not any any inquiries on my CBR so I declined and asked who I could speak with to have the card re-opened without a CBR pull. She said she is the only one I can speak to. I had to threaten to write a complaint before she would escalate my call. I then spoke to XXXX who said he was an " officer in charge ''. I repeated my request to XXXX advising that since my card had been closed due to inactivity and it was just two days ago that it should be able to be re-opened without the CBR pull. He asked me 3-4 times if I wanted to apply after I made it very clear that I did not. I have XXXX other cards that are associated with Citi bank outside of the one that they closed. I am requesting my account be opened.

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 2022-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am one of the victims of Equifax 's XXXX  Breach and also a victim in there recent " INACCURATE '' scores given this year XXXX and caused severe financial hardship. Furthermore, Equifax has ignored my FTC Identity Theft report and has failed to block the fraudulent accounts under The Fairs Credit Act 605b. They have caused severe financial hardship for myself and my family. I have attached the certified letter sent to Equifax on XX/XX/XXXX with evidence including Identity Theft Report, My SSN Card/Drivers Licenses, and Utility bill for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: CITIBANK, N.A.
State: PA
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 have receiving a pre-recorded message of a women voice debt collection agency on from Cti Finiancial with a account that is not mine. I believe I still have an account with which I was making payments, but due to hardship in 2013, I did n't have the money to continue payments. Now, I 'm on a fixed income. They keep calling but do n't say for who it is for. Please can your agency help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: TX
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:
see ftc FCRA violations : XXXX XXXXS XXXX XXXX  Original creditor : XXXX XXXX {$410.00} Balance updated XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other

Complaint:
I have contacted Citi Cards numerous times about not being able to log in to my CitI Credit Card account. I was previously able to for some time but I no longer can. I must call and listen to the automated recording or speak to a representative. They tell me the reason why I can not log in is because I do not have the full account number/card number. I closed the account many years ago and shredded the card which is why I no longer have the card number. I was under a payment plan also which I 'm no longer on because I receive XXXX ( XXXX ) and it does not always come by the XXXX when my bill was due but I am still making payments as I always have. This is the reason I feel I am no longer able to access my account because it wasnt a problem before. They want their money but all I want is to be able to log in my account. And one more thing, regardless of how much money I owe, it does not give the right of ANY CUSTOMER SERVICE REPRESENTATIVE TO SAY TO ME IT 'S BECAUSE YOU OWE US A LOT OF MONEY! I thought Citi was better than that because that what y'all preach. Everyone has had to overcome hard times just as I have.

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 2016-10-16
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Other

Complaint:
In XXXX of this year I had my lawyer write a letter to Home Depot stating that their deferred interest program was misrepresented. They never said that the interest that was being deferred would be tacked on to the balance once the deferred period was over. They lead me to believe that I would only be paying interest on my current balance. My lawyer sent the first letter in XXXX with no response and then sent the second letter in XXXX of this year. As of today we still have not received a response from Home Depot. I would like this resolved. How can they be able to do this to people and then not even respond.

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 2016-02-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Hello : Back on XXXX XXXX, XXXX my Citi Bank XXXX card was overcharged by {$790.00} from a vendor in error. I called Citi to alert them that the charges were not authorized and they issued a temporary credit to my account for {$790.00} until the dispute was resolved. I filled out Citi 's paperwork required to initiate the dispute officially and returned it to them promptly. The vendor issued a partial credit of {$390.00}, leaving the balance still disputed of another {$390.00}. Citi Bank then wrote on my statement " The following conditional credit was reversed since it was determined to be a valid charge. XXXX Sears XXXX {$390.00} '' and my balance due on the card went up {$390.00} accordingly as a new charge. When I questioned, Citi said the partial credit was still pending and that statement they wrote was a poorly written way to handle the partial credit issued by the vendor. I followed up on the disputed amount XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and each time I was told the dispute was still pending and the permanent credit could not be confirmed. Today XXXX/XXXX/XXXX I was total the permanent credit of {$390.00} was applied back in XXXX and it was unfortunate that a letter was not sent out to me stating so nor could any of their representatives see that information. When I asked why I still have a {$390.00} charge open on my account, they said it was a coincidence and that I owed that money in other charges. I reached out to the vendor during this time to ask them why they only issued a partial credit and they apologized and said that was a mistake and they would initiate the balance credit for {$390.00} within the next 5-7 business days. Citi told me that if the vendor does that, they will not allow it to hit my account since they already issued me a permanent credit back in XXXX but it was only for {$390.00}. Why am I not receiving not receiving the entire {$790.00}? Citi seems to be collecting and benefiting my dispute while continuing to charge me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Other

Complaint:
I checked my credit score in XX/XX/XXXX and it was in the high XXXX 's. This last week, I was applying for a construction loan and my mortgage loan originator told me my credit score dropped about XXXX points due to a charge-off from Citibank Credit. I had paid off my Citibank Card in XX/XX/XXXX to XXXX balance. Citi at some point in the XXXX tacked on on {$4.00} in interest, but I did not know. They closed my account on XXXX/XXXX/XXXX and did a charge off for the {$4.00} which dramatically affected my credit. I had been a loyal and faithful customer since XX/XX/XXXX but this kind of practice is absolutely absurd. They should have either a ) canceled out the remainning balance on good faith since I 'd been a good customer or b ) notified me that this balance remained so I could quickly pay it off. I need this report to be corrected so that the credit agencies can bring my score back up to the high XXXX 's and I can move forward with this mortgage loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am attempting to apply for a loan modification ( through a US government program ) of my mortgage with CitiMortgage ( Loan # XXXX XXXX. I have sent all the required documents. However, they constantly ask for the same documents, and will not start the process. I have sent documents in on 5 separate occasions. Now, specifically they state that the checkstubs I sent did not have an employer name on them. So I sent in copies of the canceled check with the " XXXX '' ( my employer ) clearly on them. The monthly salary amount on these checks matches my checkstubs. Still they have taken no action.

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 2021-06-30
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I have been disputing since XX/XX/XXXX with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation