BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was involved in a scam and was scammed out of XXXX for a loan and in return given a bogus check for XXXX and was to give back XXXX. I against my better judgement deposited the check on Monday and then a few days ( weds ) later I called the bank to alert them that the Check might not be real and that I was scammed. I spoke with the first customer service rep who told me that all this could be resolved and to file a claim and that I could keep my account opened. So I filed a claim with the claims department and they advised the Check would be removed. Received a letter on this tues if the claim being completed and approved, I called back again on ( weds ) Was told I my account was only restricted and once the claim was processed it would be opened again. Then Thursday the check was still there. I called again and was sent to claims then to deposit team and told that the check would have to verified but I explained what happened and that I wanted it removed because of the scam. I again was told it would be removed the next day and then the account would be open. Then the next day Friday deposit department says the account is closed. And my direct deposit was sent back to my employer and I call my employer it was not. Call chase again on Monday XXXX and my direct deposit is there but being held. Then the rep said you can go to bank and open a new account. Go in branch and told they would research and then would let me know and then branch manger says there is nothing he can do. This Bank is so fraudulent and everyone is all over the place. I pay my bills and rent via my account have been a week without money because I was scammed. And I am the only one who lost money not the Bank, me. I want a new checking account or my old account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Set up new personal account at Capital One 360 with {$500.00} cash. The agent did n't disclose that opening funds would be locked for 14 days. No access.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Meyer & Njus, P.A.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX/XXXX/XXXX I had an agreement with Meyers and Njus to pay {$1200.00} amount was paid in full XXXX/XXXX/XXXX. XXXX/XXXX/XXXX they are telling me I still owe the {$56.00} in interest that was not in the agreement. The FDCPA states they ca n't add interest, fees, or charges not authorized in the original agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
on XXXX I was contacted by my mortgage company regarding the XXXX payment. I informed the agent that I pay by the end of each month and it was agreed upon to do a post dated XXXX XXXX phone pay for XXXX, there was also a {$19.00} fee. I was at home when I was doing this transaction. the agent told me he would send me a confirmation e-mail. when I returned to work the next day and reviewed my e-mail it indicated that I gave permission to debit on the XXXX of XXXX and I did not. The agent that I did not get paid until the end of the month.I called the mortgage company and they indicated the payment posted and I should be fine. a few days later I still show a balance in my checking and I called my mortgage company and was told that the check was returned. I will now have a delinquent credit report for XXXX and possibly a property inspection and a threat of foreclosure. I am quite upset as would anyone. I take my mortgage very seriously. I want {$19.00} fee back and I want my credit corrected ASAP or I will take legal actions. I knew this would happen because there seem to be a language barrier between I and the agent. I also want the recorded call pull for verification of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been spending countless hours making phone calls and writing to Equifax credit bureau in regards to XXXX accounts that have been inserted to my credit that are not mine. XXXX the accounts were originally removed now they have been placed back to my credit and I do n't know why. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , LLC listed our home for foreclosure sale for XXXX XXXX, XXXX. Ocwen Loan Servicing , LLC filed An Appointment of Substitute Trustee in the XXXX XXXX XXXX XXXX office on XXXX/XXXX/XXXX Doc # XXXX. The document is notarized by XXXX XXXX and signed by XXXX XXXX XXXX Ocwen Loan Servicing , LLC, Contract Management Coordinator. XXXX did not provide any identification when the document was signed and notarized. The document states that the Mortgagee of Deed of Trust has named and appointed, and by these presents does name and appoint XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX to act under and by virtue of said Deed of Trust. There has not been any documentation that XXXX XXXX Bank, XXXX XXXX XXXX XXXX for Option One Mortgage XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX is the Mortgagee of said Deed of Trust. Ocwen Loan Servicing , LLC has not provided any assignments or transfer of Deed of Trust from XXXX XXXX XXXX, Trustee for the benefit of Option One Mortgage Corporation, as XXXX XXXX to XXXX XXXX Bank, XXXX XXXX as Trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates, XXXX XXXX. I have also found varying signatures of both XXXX XXXX and XXXX XXXX. Seems that these documents have been robo-signed and have been filed in the XXXX XXXX XXXX XXXX office. When we examined our " Original '' loan file in XXXX, there were XXXX assignments of deed of trust that did not transfer the Deed of Trust from XXXX XXXX XXXX, Trustee for the benefit of Option One Mortgage Corporation, as XXXX XXXX to any other entity. The section of the deed of trust to transfer and assign the Deed of Trust were blank on XXXX assignments. American Home Mortgage Servicing , Inc. did file a fraudulent in the XXXX XXXX land records on XXXX/XXXX/XXXX, in which " XXXX '' attempts to assign the asset tot he XXXX XXXX. This document is fraudulent and the person who signed the document, XXXX XXXX, is a known robo signer. When we did a title search on our property in XXXX XXXX, Option One Mortgage was in XXXX lien position. XXXX XXXX Bank, XXXX XXXX as Trustee for Option One Mortgage XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX was contractually closed from conducting business after the closing date of " On or about XXXX XXXX, XXXX '' and could not have receive a loan into the trust after the cut-off date. XXXX XXXX retroactively attached the our mortgage to a securitized trust that was closed and sold to investors 5 years earlier, the bank violated a Texas law that prohibits fraudulent real estate filings. ( Reference the sign from XXXX XXXX Clerk 's office, Chapter XXXX, XXXX Government XXXX, XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
In a nut shell, I have made XXXX purchases with same merchant and had returned the product from XXXX transaction. When I got the bill, I did not recognize XXXX transaction ( {$67.00} ) and put a disputed it, Few days later I remember as a legitimate charge. I called the bank and told them to release the money. 
Since I had made a return with the same merchant, the merchant had issued a credit for that transaction. The actual disputed transaction has no relation to this credit. 
Since I disputed the transaction through the credit card, the credit card issued a credit, but when investigated, the credit card company ran into a credit that has nothing to do with the disputed transaction. This transaction has different times and reference number etc, the merchant took the position that since the merchant has issued a credit, even though a different amount, product, time, reference etc, the credit card company rebill be the credit as a charge on my account for {$67.00}. 
The credit card has not released the money to the merchant nor to the consumer but put it in their pocket where it does not belong. 
The money must be returned to merchant and given proof to consumer to follow up with merchant or return to the consumer. thanks I have called a few times but all invain.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen is TERRIBLE!!! My previous complaint # XXXX regarding my XXXX mortgage was FINALLY taken care of, but NOW I have a new problem with them and my XXXX Mortgage!!! I get my XXXX XXXX statement for my XXXX mortgage in the mail yesterday, which shows my previous balance of {$12000.00} of which I made a PAYMENT of {$180.00}, which would bring my NEW balance to {$12000.00}!!! But instead of CREDITING my account ... .Ocwen ADDED the {$180.00} payment and now my NEW BALANCE is {$12000.00}????!!!! Only Ocwen would ADD a credit to a balance and not DEDUCT it from the balance!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: American Credit Resolution, Incorporated
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A message was left on my cellphone, my husband 's cellphone, and my work phone by a XXXX informing me that she had legal documents with my name and social security number and that I would be served at my home or job within 2 days if I did not contact them immediately at XXXX and reference case #. At the end of the message she stated " you have been served ''. I called the # and spoke with XXXX XXXX who said if I did n't take care of the debt {$510.00} immediately, I would be sued and would have 25 % of my wages garnished costing me as much as {$3500.00} and advised me that I needed to take care of it by giving him my debit card information to enter into an agreement to prevent being served/sued. He also represented himself as being authorized by the state of Tennessee to notify me of my rights and make sure that things were being handled legally.

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 2016-03-13
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The complaint is against my mortgage company servicer. They sent an annual Escrow Analysis with incorrect amounts they claim will raise my monthly mortgage payment. The incorrect amount XXXX GA property tax of {$190.00} that my property is exempt from. My mortgage servicer Ocwen has documents in their tax files noting that this property is exempt from the XXXX, GA city taxes. Yet, Ocwen withdrew the XXXX from my escrow account causing a projected shortage, and Ocwen has increased my XXXX, 2016 mortgage payment to {$740.00}. If Ocwen would correct their records, my monthly payment should remain at {$710.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen has approved us for trial payment plan for a HAMP loan modification. Payments are due on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/2016. I read on the US Department ofTreasury website that the Obama Administration extended the application deadline for MHA programs to XXXX XXXX, 2016. I was told by my relationship manager, XXXX XXXX, that it may make take several months after the third payment is made before we are approved for a permanent loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen scheduled a foreclosure auction after the loss mitigation application was deemed complete by their underwriters, in violation of the CFPB 's prohibition against dual tracking

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: AFNI INC.
State: OR
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 in Illinos is using my social secuirty number. I sent a questioner to AT & T and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have an interest only loan that will begin to include principal in XXXX. I have applied with the bank servicer XXXX to modify my loan, and have been denied many times. Last time they denied me was because " the owner of my loan requires me to be delinquent before they can look into it ''. So I have asked XXXX, several times over the past year, and finally they have answered that Deutsche Bank National owns the loan. I contacted DBN and they then told me that they are not the owner, that they simply act as trustee and can not make decisions about the loan. I 've asked them then who makes those decisions, and I have not heard back. I do not know what I am supposed to do to keep my house. All other governmental sources have also denied me and the banks XXXX nor DBN are willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Every day I receive a call to my home telephone from XXXX. I XXXX this number and got info that the company is AFNI , Inc., a debt collection agency. I believe they may be attempting to collect on an auto accident my ex-husband had several months ago. He was not insured. I believe he gave the insurance company my home number as a contact. He has not lived here in over 5 years. 

I picked up this call today. Nothing but silence for a minute or so until a recorded message came on stating this was an attempt to collect a debt and I should call another telephone number. Then the call was disconnected. I did not write down that number. 

Any help you can provide in getting this company to stop calling my home telephone number ever again is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: NC
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, 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 explanation
Consumer complaint received 2016-03-26
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have attempted to get a loan modification from GMAC, nka OCWEN for 4 years. I have sent in XXXX modification packages with over XXXX documents in each one with delivery confirmation, have mailed the documents using delivery confirmation, have faxed them in and have emailed them. Every time they start to process, something is missing on their end. In total, I have faxed over XXXX pages of documents trying to facilitate their processing. Now the servicing agent, OCWEN, has started a foreclosure action, even though there is a modification package on file that is, again, in process. I thought GMAC scammed us all but the real scammer here is OCWEN. They now claim I owe {$74000.00} more than my original amount owed due to late fees, interest, penalties, real estate taxes and home owner 's insurance. I owe more since they have nothing but give me the run around about needing more and more documents. All in an effort to make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Duncan Solutions, lnc.
State: MD
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:
Repeated attempts to contact Professional Account Management LLC regarding this matter have failed. Including phone calls ( no answer ) and leters ( also no answer ). 

Received a notice about an unknown debt owed to XXXX Government for {$100.00} on XXXX XXXX, 2014. After verifying with the XXXX that it was valid, full payment made on XXXX/XXXX/14 ( i have written records ). Received another letter on XX/XX/2014 stating the debt was still outstanding while it was not. Attempted to call Professional Account Management with no response via phone call or letter. Professional Account Management proceeded to report this as an unpaid debt to XXXX and has not corrected that error. Multiple attempts to contact them and have this corrected have failed. Company is unreachable. Their address is listed as XXXX. Telephone XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened an basic checking account with Regions back in XX/XX/XXXX/XX/XX/XXXX. At that time I was advised to opt-in to the overdraft protection. Based on the explanation, it sounded like a good feature. 

Sometime in XX/XX/XXXX, I experienced my first overdraft but it did n't make sense to me. I called in and the agent I spoke with could n't adequately explain the logic behind why I was charged. The way the information was listed on my account online suggested that I had enough funds in my account and that the overdraft fee is what overdrafted my account! At that time, they refunded an overdraft fee and helped me opt-out of the feature. 

As it was explained to me, opting-out of their overdraft protection would PREVENT any overdraft scenarios from happening. This is clearly not the case. 

Fast forward to recently, I made a debit card purchase online on XX/XX/XXXX and that purchase did not " clear '' until yesterday. Every single day I 've been checking my available balance and every single day it showed this {$39.00} had already been subtracted from my balance. But now when I check today, it just posted and caused me an overdraft. 

Additionally, on several occasions they have been unable to explain the order of transactions. I get a different answer every time I talk to them. Their response is always that I should keep a paper ledger. I should be able to use the TOOLS they provide to view an accurate balance. Otherwise its a bait to lure me into spending money I do n't have. I RELY on that tool to track my finances. T hat 's why its there. It is a realtime digital ledger.

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 2015-12-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has not removed a fraudulent XXXX/XXXX account from my credit report even though i have filed a FTC Identity Theft Affidavit/Report ( OMB control number XXXX, FTC reference number XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed my checking account and two weeks later a debit went through from a company whom I had notified of my new bank account number. Apparently it was n't processed in time enough before the debit hit my bank account. That happened with another company as well. So the bank opened up my account without my permission and let charges go through without notifying me that my account had been reopened by the bank and late charges incurred and also monthly service fee was applied even though I had closed my account. I spoke with them and the balance I now owe is {$160.00} dollars. Unless I pay it all off my account will stay opened and monthly service charge will continue. I should only be liable for the merchant charges. This is illegal for the bank to reopen my account after I closed it. The XXXX charges that came through should have been denied but instead they reopen my account, charge me XXXX overdraft fees and monthly service fee. I owe {$32.00} for XXXX and {$13.00} for XXXX which is what I am willing to pay. 
Thank you and please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12
Company: AFNI INC.
State: MT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not owe this debt. I did not create this debt. I would not have needed alltel in 2010 because it would not be good coverage for XXXX XXXX, Mt, where I lived, nor did I need alltel as my home pH has been XXXX XXXX XXXX for XXXX years plus. 

Please contact me at the XXXX year old number. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MtXXXXXXXXXXXX

Company response to consumer: Closed with explanation