BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-30
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage was most recently refinanced when interest rates were not as favorable as they are today. The loan has been through a couple of different servicers and is currently being serviced by Ocwen Financial. After several years of paying at the elevated rate and reaching closer to retirement age, I sought to refinance the loan with Ocwen 's lending arm, Homeward Residential. The proposed rate and term on the refinanced loan were much more favorable and would not only benefit me, but also put Ocwen in a more favorable position. The re-fi process fell apart when my home appraised $ XXXX less than the loan amount. I am seeking to modify the mortgage to obtain a lower interest rate. XXXX at Ocwen advises that a modification if not likely unless there is an eminent default. I have a stellar pay history and am currently paid ahead through XX/XX/2017. It appears Ocwen works to help homeowners who have poor payment records but not those who are " good '' customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX ( Original Creditor : XXXX  XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 



Account Name : WELLS FARGO CARD SER Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my 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 monetary relief
Consumer complaint received 2020-03-03
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I resided at XXXX at XXXX in XXXX XXXX, GA and was under lease from XX/XX/XXXX to XX/XX/XXXX. Afterwards I was on a month to month payment with no lease or obligation. I informed the company that I would be leaving the complex on XX/XX/XXXX by or before the date of XX/XX/XXXX. I subsequently left XX/XX/XXXX. I still owed a balance to the company which was {$830.00} after returning my keys. However, a while after leaving I started receiving correspondence from a debt collection company ( Professional Debt Mediation-PDM ) who stated that I was charged for not returning my keys and a partial month for the month of XX/XX/XXXX even though I was no longer living there. I was charged {$1100.00} and they deducted my {$600.00} deposit, which then made the amount owed {$530.00}. I expressed that this information was inaccurate with all three credit bureaus, XXXX at XXXX, and PDM. I also filed multiple disputes, including evidence showing that i was living elsewhere during XX/XX/XXXX. These disputed records were all updated without explanation for how this investigation was verified. The apartment agency stated they would decrease the payment from {$530.00} to {$430.00}. However, this should not be the correct amount owed. I expressed that I did not have an issue paying the past balance from XXXX which was {$830.00} minus the deposit that was withheld of {$600.00}, which would be {$230.00}, they did not agree and said it is my word against theirs as far as whether I returned my key, and the person who I returned it to is no longer with the company. This is currently affecting my credit and ability to be approved for other rentals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am having a very difficult time with PennyMac. I am trying to avoid a foreclosure. I have put my property up for sale. As of 2 weeks ago I have an offer at market value. My realtor and I have been trying to get a hold of XXXX XXXX XXXX the assigned rep at PennyMac for the past 2 weeks. She never responded by email or phone call. When we would call PennyMac to try and get an update from them, no one could give me any information or get me in touch with XXXX XXXX XXXX. We were told today that PennyMac will not stop my sale date of XX/XX/2017 or review my short sale. We were told there is " not enough time ''. That is the exact reason we having be trying to communicate with PennyMac 2 weeks ago! I feel like PennyMac has done this on purpose and is back dooring me into foreclosure. I am be forced into a foreclosure because of the dysfunctional system at PennyMac

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get Ocwen to allow me to sell my property through a short sale since XXXX of 2016. Ocwen will not give my listing realtor a letter authorizing her to list the property as a short sale. The XXXX XXXX XXXX XXXX requires that when the listing realtor places the property in the XXXX she has to state whether it is being sold as a short sale or not. And without a letter from Ocwen saying that Ocwen will consider a short sale ( not approve but just consider ), my listing agent can not say in the XXXX that it is a short sale. All we need is a simple letter saying that Ocwen will consider the short sale so that we can list it on the XXXX as a short sale. 
I have submitted at least XXXX short sale applications, just hoping to get Ocwen to say that it will consider a short sale. But of course Ocwen wants a sales contract, so it refuses to respond to me or review my application. But of course I can not get a sales contract or offer because the XXXX does not permit my realtor to list it as a short sale, without the statement from Ocwen saying that it will consider a short sale. 
All we need is a letter, a simple letter, and Ocwen will not provide it. The house is in foreclosure, and I have spent countless hours dealing with short sale applications, dealing with the court and with Ocwen 's attorneys, and no one can get Ocwen to provide a simple letter saying that it will consider a short sale. That 's all I need to allow my listing realtor to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Ocwen Loan Servicing and XXXX XXXX have committed years of fraud against me and I ca n't get help from anyone. 2008, during pending litigation XXXX XXXX and Ocwen Loan Servicing used forged fabricated documented in court to seek judgement to rescind my Full Reconveyance. My original loan amount that was paid off was {$550000.00}. Ocwen threatened me to either except a {$750000.00} loan modification or they would foreclosure on my home in just days, and threatened if I ever discuss the Loan with anyone they would again foreclose. I filed multiple police reports, XXXX complaints along with evidence of fraud but since the system is so corrrupt I ca n't get help. I sent all evidence to XXXX attorney. Please give me the right to have a fair investigation or please involve the FBI in my matter so they can investigate the fraud that Ocwen throws in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We have been trying to sell our motorcycle and we had someone respond to the add. They said they would send the money via XXXX, but they needed to have the bike shipped to them. They were paying for shipping. Then they sent us a text saying that the shipper was messing with them and they needed us to send the shipper {$1100.00} for the shipping fee and he would add this amount on the the price of the bike. So we did send a money gram. Then the next day same story, shipper messing with him and now they need {$1600.00} for insurance, and he would send us the money via XXXX. He wanted us to send another money gram. We went and sent the money, and then came home and sent the email from him to our XXXX account rep and asked if this was legit. They sent us an email back saying it was a scam. We promptly went back to Walmart and cancelled the {$1600.00} money gram. So we got our money back from that one. But the {$1100.00} is still gone. Now he is sending us an email stating it is from XXXX saying that he has reported us to the FBI as a scam. He is using XXXX email information and a shipping company called XXXX. We have tried to contact the shipping company via email, and the email comes back as non deliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  has placed a collection account on my credit reports that is not valid, nor mine. I have no contract or agreement with XXXX XXXX or XXXX XXXX XXXX at all. This originally came from XXXX XXXX.They use multiple company names and different addresses to trick you into not knowing who to respond to properly. Upon initial receipt of a notice from them I sent them a cease and desist letter for this alleged account back in XX/XX/2019. Even though I had done this they have illegally placed this collection account on my reports. I have attached a copy of the letter that I sent them originally. I have also disputed this with the credit bureaus and re-sent XXXX XXXX XXXX the cease and desist letter. These companies are both owned by XXXX XXXX XXXX and they work in tandem to confuse, trick and deceive unwitting consumers into not knowing which company to respond, reply, communicate or dispute with. I want this removed from all credit reporting accounts immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Santander Consumer USA Holdings Inc.
State: PA
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:
My Account with Gateway one lending is showing as included in Bankruptcy. However, this account has been paid in full and is not included in any bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
M & T Bank has consistently been harassing me for the last 4 months. They call and agressively indicate that i have no choice but to provide my information when I 've clearly inidcated I am who I am. The first 3 months they called almost 4 times daily. I was delinquent in my mortgage due to a documented illness and out of work for 6 months. They offered me a forbearance despite knowing that I was unemployed and that my STD benefits were often delayed due to a delay in my medical provider provided the necessary documentation. Once the forbearance went into effect, they abruptly cancelled it when I returned to work and without notification. When I indicated that the constant calling would not immediately resolve the issue they began calling more. Then I paid them over {$3600.00} and they still failed a foreclosure notice for the remaining {$2600.00} because I failed to continue to take their harassing calls. This situation is impacting my health and the ability to continue to get well because they refuse to deal with professionally, and did not empathize or offer a amicable temporary solution when they were well aware of my medical and finance situation. I want M & T to cease harassing me, threatening to foreclose on my property even after they have been paid and ask that my mortgage been sold to another more professional financial institute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Professional Bureau Collections of Maryland Inc called my cell phone and left a message not identifying themselves. They then called my employer which was not information provided by me to them or information provided by me to XXXX. When they called my office, they refused to identify themselves. They called back again and still refused to identify themselves. The representative that was on the phone was a female and stated that there was no point in identifying herself. She was requested not to call back at that time. I called the number of XXXX back on my personal cell phone and a man saying that he was the manager got on the phone. I also advised him is not to call the employer and he has a good direct contact number for me that he may continue to use. I also advised him that I would be filing a complaint and he said to do what I needed to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
We ( my son & I - as co-signer ) have XXXX loans w/ Sallie Mae XXXX 
Last month - they took the XXXX payments sent ( XXXX check for each loan ) and applied them both to the same loan. In their system - this triggered a 'Late Payment ' on the XXXX loan that received 'no payment ' and started an incessant series of phone calls to both my son & I. 

Their error was pointed out to them within a week and - despite the promise of the error being corrected on their end.. the phone calls kept coming ( XXXX - XXXX calls per day.. to both of us! ) Two weeks later.. we were still getting the calls and the payment error ( that THEY made ) had still not been corrected. 

I call again ( I 've now been on the phone with these people for over an hour ) and I finally get an assurance that the error will be will fixed within 24 hours ~and~ that the calls will stop. 
The error is fixed ( although it takes 3 days to do so ) - but the calls continue until their system shows the payment corrected. 

Now - just a week after THAT issue is cleared - I just found out that they did the same thing to the most recent payment ( s ) ~and~ I was charged a 'late fee ' on the account that THEY screwed up last month! 

I am now faced with, yet another, unending series of calls and - as I told them during the last phone call.. I consider these calls to be Harassment! 
Aside from filing a complaint with ConsumerFinance.gov - do I have any legal recourse against them?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: CORELOGIC INC
State: NJ
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:
Core Logic continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, Core Logic has Violated my rights to share records without my permission. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # XXXX has Violated my rights. Please Delete XXXX XXXXXXXX XXXX Account from my credit profile. In accordance with the Fair credit reporting act, Company Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Since of XXXX XX/XX/2022 to about the beginning of XX/XX/2022, Chase closed my account that Ive had with them for almost about 7-8 years due to fraudulent activity. Ive tried to explain to them that the activity cause was not done my me and I had no knowledge of this incident. I had to find out the hard way as I was attempting to log in though the banking app through my mobile device and states that they placed my account on hold/freeze and in order to unlock the hold I had to call in to verify my account but instead they took it upon their power to instead close my account and I was no longer able to open an account with them in the future. This really upsets me because I trusted this bank for the longest and I had trust in them to help me since I devoted my time and patronage for years. Now its been rather difficult since Im in the process of moving and to apply for an apartment lease will ask for bank statements which I wont be able to prove my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XX/XX/XXXX to XX/XX/XXXX someone stole my debit card and made small purchases in the $ XXXX range and large purchases up to {$910.00} dollars from XXXX. 

As I was in the process of moving and switching out of an abusive job, I was not actively monitoring my account .. when all was said in done..... I had submitted XXXX separate claims -> XXXX for {$5600.00}, XXXX for {$3200.00}, and XXXX for {$980.00}, which had been stolen from me on my lost debit card ( I did not realize it was gone until XX/XX/XXXX ). 

When I submitted this to Bank of America within the 60 day period in which they are liable for my charges- they declined saying that I had authorized them. 

At this point, I called back, asked that they reopen the claim and offered to provide any information that would be required to reinstate my claim. To my surprise- a few days later my claim was closed again. 

So, I called back and asked for a member of the fraud team to call me and describe specifically what information that I can provide to prove that not a single one of these transactions was me. I am very busy- but have left work and disrupted my daily life to go to the retailers and get proof that none of these charges were even me. 

Again, Bank of America never called me back and this time without alerting me they again closed my claim. Futher, when I just called them to complain - the agent hung up in the middle of the call and did not call me back after I waited on hold for 30+ minutes.

This ordeal has put me in serious financial jeopardy to the point that at one point I wasn't sure how I would pay rent, I have been nothing but willing to provide any information that the team would need to prove that it was fraudulent ( It was ), and I have taken hours upon hours of my own time to resolve this. I am beyond dissapointed with Bank of America 's treatment of a long term customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: PA
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 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent money through Money Gram as I often do every month, on XXXX/XXXX/16 at XXXX. They put a hold on XXXX of my transactions. They said to call them back in an hour to see when the funds would be available. I have tried to get this resolved seven times calling them back and waiting on hold and not being given a reason for the hold. I had sent another separate transaction and there was no problem. They keep on telling me to call them back and they keep on saying they are e-mailing the department that puts things on hold. It is now XXXX/XXXX/16 and they are telling me the same thing. Now, I just want my money back and I will go to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i had gotten a call from XXXX XXXX from florida telling me I wasapproved for a XXXX loan so right then times were tough so I presued the offer after we got the application started they started hittng me with all kinds of fees to which I had to send them over XXXX and still have not received the loan from them. I sent all the money through moneygram. each time I talk to these people they r wanting more money from me. now they are wanting me to send them another XXXX then they said I will get the loan. all I want is my money back

Company response to consumer: Closed with explanation