BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After reviewing OCWEN account payment history, I have identified misappropriated funds totaling {$29000.00} that impacted/inflated the loan modification principle to {$200000.00}. The misappropriated funds occurred between XX/XX/XXXX thru XX/XX/XXXX. Included find OCWEN account payment history highlighting the misappropriated funds and a summary document for your review. 

In addition, documents filed by OCWEN with XXXX XXXX Register of Deeds. 
XXXX Document # XXXX XXXX Document # XXXX XXXX Document # XXXX XXXX Ocwen Loan Servicing LLC Home Affordable Modification Agreement executed. 
XXXX Document # XXXX XXXX XXXX XXXX Title Group Seller Closing Disclosure/Closing Statement XXXX OCWEN LOAN SERVICING LLC.is the present holder of a mortgage. 
XXXX XXXX the Vice President of PHH Mortgage Corporation Successor by Merger to Ocwen Loan Servicing LLC notarized. 

XXXX Document # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In a previously issued complaint, XXXX, XXXX XXXX XXXX only provided information to falsely support 1 loan the collected on. But failed to confirm that they are still illegally garnishing me for XXXX more loans. Despite the fact the company they are collecting for, XXXX XXXX XXXX, was ordered to stop all collections. They also did not correctly address how they improperly served me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was overcharged for an XXXX transaction back in XX/XX/2021. I worked it out with XXXX and had received my refund. However, chase bank wrongly went into my account and reversed this refund that I am still owed. I never received my refund from this transaction because chase bank went into my account and stole it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2017-06-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, I received a call from XXXX XXXX, XXXXXXXXXXXX, at XXXX XXXX XXXX ID XXXX Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, VA XXXX XXXX XXXX Tel XXXX | Fax XXXX to refinance my home. I was reluctant to refinance with Wells Fargo because they declined my application a year ago and returned my appraisal fee. After he offered to shorten my payoff from 24 years to 20years and lower my interest rate. I was excited for a second chance to refinance so I agreed and he sent me a Wells Fargo link to log into to submit required documents for approval. They sent me an email with a few appraisal companies to appraise my home and the cost of the appraisal was {$510.00} because he stated that he could not go forward without the appraisal fee. After I chose the appraisal company, XXXX XXXX and Escrow ( XXXX ) XXXX in XXXX XXXX., XXXX XXXX asked me to write the check to Wells Fargo , which I did. I did not receive a receipt or a statement about appraisal refunds I was not approved but when I asked about it he assured me that I would get approved. As weeks went by, after they received my check, they kept asking for more documents and went as far as to ask my husband for documents even when his name was not on the refinance application. I felt that XXXX XXXX was delaying my application so the 90 day time frame would run out. Just as I thought, I received a call from XXXX XXXX onXX/XX/XXXX stating my loan was declined because my husband did not make enough money. I asked why didnt you tell me this earlier and you assured me that I was going to be approved and when I asked for my appraisal payment to be refunded, he told me the company will not refund my money and there was nothing he could do. I am writing you hoping you can investigate this issue because when I applied for a refinance with Well Fargo a  year ago and was declined, my appraisal was refunded within 30 days. I feel I was scammed and is very disappointed with what just happened to me. Please help. <P/>Others Involved : XXXX  XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: FL
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:
I am a Victim of ID Theft and I am very concerned with XXXX and knowing that I filled a police report about all of the inquiries that XXXX  allowed on my credit file, over 100 inquiries that interfered with my credit file and companies requesting my information. I sent a police report before to XXXX and my score is the lowest with this company. It is around XXXX and I want to know why, I am asking for my credit file to be updated and investigated and my credit file adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These fake inquiries are not mine. So please remove them as soon as possible and make investigation. Thank you

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 2021-11-14
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) //// I did not knowingly and willfully consent to enter into any consumer transaction with CHECKR , INC willfully violating the FCRA. Without my direct written consent CHECKR , INC have used credit card as defined under 12 CFR 1002.2 ( k ) and 15 USC 1602 ( l ) my social security number, Drivers license, license plate for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) /////// Pursuant to 15 USC 1681 ( a ) ( 4 ) CHECKR , INC need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by CHECKR , INC in multiple counts.///// Pursuant to 15 USC 1681b ( a ) ( 2 ) CHECKR , INC may NOT furnish negative information to my consumer credit report without with my written instruction. CHECKR , INC willfully, knowingly and intentionally violates my consumers right, by reporting negative information to my consumer credit report, without my written instruction or consent. I'm being denied job opportunities and credit due to CHECKR , INC violating the Fair Credit Reporting Act, so be it. ////// Pursuant to 15 USC 1681s-2 ( 7 ) ( A ) ( i ) CHECKR , INC shall provide the consumer with a `` Notice of negative information '' in writing to the consumer prior to or no later than 30 days after furnishing the negative information pursuant to 15 USC 1681s-2 ( 7 ) ( B ). I did not receive such notice and thus CHECKR , INC is in violation of 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 15 USC 1681s-2 ( 7 ) ( B ) ////// NOTICE OF CEASE AND DESIST : Pursuant to 15 USC 1692c ( c ), Im demanding that CHECKR , INC cease all further communication and all your collection efforts are being terminated.///// Pursuant to 12 CFR 1026.23 ( a ) and 12 CFR 226.15 ( a ), I hereby rescind the consumer transaction granting any interest directly and indirectly to CHECKR , INC //// THEY NEED TO REMOVE AND DELETE ALL NEGATIVE REPORT IMMEDIATELY from my consumer report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n. /////

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 'm trying to buy a HUD foreclosure property. The bank do a background credit check and found the debt amount of {$22000.00} to the IRS. They told me and I said them that account is n't mine. So, I decided to call transunion to report the problem and I went to their office in XXXX, PR too. Then call and go to the IRS office and do all the steps they said I have to go and I do it. I go to the IRS office in XXXX, PR too.
First, I report the problem to trans union because in my credit information report they are the Company who are referring the issue to the credit. I do the report # XXXX by telephone on XXXX XXXX XXXX. Trans union said I do n't have any issue on my credit information but I request my credit information anyways and the debt appear on credit information. I call again to trans union and notify the issue twice. I said I have a Letter on a second name XXXX. And I never had a second name, and I never been at Georgia where are the tax information on my credit information. Then I do a second reclamation on XXXX XXXX XXXX at trans union. And they only eliminate the letter XXXX on the second name and send me the credit score again with the same problem. Then I called to the IRS and do the request. They request some papers I download sign and send the information by fax on XXXX XXXX XXXX. Later we call a lot of times by phone, but we decide to get an appointment and go personally there. We went to the appointment in XXXX IRS offices on XXXX XXXX at XXXX. They said sent a letter that is on the way but the letter never land at my hands. Then I go personally to transunion and social securities office in XXXX at XXXX and the person who attend us give us an appointment to XXXX XXXX XXXX, to go there with all the required information. But for me Is too far because I 'm trying to buy a house. On the same day XXXX XXXX XXXX I do a report on the police station too. Today I do another claim on the FTC report # XXXX. Please help me to solve this issue. That debt Is n't mine at the social security they said the person are using my identity from XXXX and I submit evidence to the IRS I have been in XXXX from XXXX to XXXX. I 'm tired from this situation and I will lose the opportunity of buy my house for this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My friend wired me money and somehow at the bank one number was messed up and I didnt receive the money in my account. The banks system had my name and address but did not check if the account number matched my name.

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 2017-06-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX 2017 I went to Wells Fargo Branch at XXXX XXXX XXXX XXXX XXXX. XXXX, Fl. XXXX phone # XXXX and asked about getting a medallion stamp on some mortgages I intended to send to XXXX XXXX. I was told by XXXX XXXX XXXX that I needed to bring proof of ownership for the securities, as told to him by a person on the phone from his legal department. I returned the following day and XXXX XXXX again called who he said was his legal department with the proof of securities and was told that Wells Fargo does not sell mortgages. I stated that that is not the truth as Wells Fargo does issue and sell mortgages. I later asked for the name of the person on the phone and was told that I could not have it. XXXX XXXX left and returned with XXXX XXXX who identified herself as the branch manager. She said that Wells Fargo is not prepared to perform that service as they only deal wit mutual funds, bonds. Told her this is a mutual fund and she repeated that Wells Fargo is not prepared to stamp the document. Wells Fargo does advertise that they perform that service. This is domestic terrorism as they are creating haemorrhaging in the American economy and hindering trade and commerce and depriving tax payers of jobs and potential tax revenue.

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 2017-06-06
Company: Fradkin & Weber PA
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Attempting to garnish my wages for double the original debt even though they recovered the atv that I had the loan on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2019 we turned in a leased vehicle and started a new lease with GM.  They have incorrectly reported that I was 30 Days late on my credit report since XX/XX/XXXX. On XX/XX/XXXX they sent me a letter saying it was resolved. It is not resolved and when I try to reach GM Financial again it will not even let me file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the collection agency XXXX XXXX XXXX directly, as well as, Experian, XXXX, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of {$7700.00} Account Number XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2017-06-06
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan is currently being paid on and is current. Santander Consumer USA is maintaining a charge off even though the 180-day late timeline was never reached, and Santander Consumer USA never filed a default on record with any 10Q filing with the Securities & Exchange Commission. I am a member of the   XXXX   XXXX   that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full.
SANTANDER IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT!!!
I HAVE ATTACHED COPIES OF OUR PAYMENT HISTORY THAT VALIDATES THE LOAN IS CURRENT!!!
SANTANDER MUST ADDRESS ALL MISCELLANEOUS FEES THAT WE JUST RECEIVED!!!
I ASK THE CFPB TO HELP ME GET A FAIR EXCHANGE FROM SANTANDER CONSUMER USA!!!
THIS CREDIT TRAELINE MUST HAVE THE CHARGE-OFF STATUS DELETED IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Navient Solutions, LLC.
State: NY
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:
my son was still at tending college and they wanted me to start paying back on the loan. I originally started with   XXXX   XXXX   and  it was sold to Navient. They raised my interest rate and when my son was still attending school they wanted me to start repayment. when I called and they said I could defer they never told me the interest was continuing and the rate was going up.   I feel I was mislead in the agreement of the loan. my interest rate was not 8 % when I w  as with   XXXX   XXXX  .
I feel I was mislead with the terms of thi
s loan as with the interest rate being raised. <P/><P/> s

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I 'm trying to use the app   XXXX   XXXX   on my phone to get money from my pay check but the bank wo n't send over my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is   XXXX   XXXX  . I am a loan officer with   XXXX   XXXX  . I am making this complaint of through my own motivation and not at the direction of the company I work for. I have recently had the unfortunate situation in which I have worked very hard with a lower to moderate income earning immigrant applicant. He made an offer ( not an accepted offer ) - just simply wanted to make an offer on a home for sale that is owned by   XXXX   XXXX   XXXX   XXXX  . Which is a Trust that is owned/managed by the same person that owns Caliber Home Loans. My borrowers offer was NOT accepted at the time they put extreme duress and pressure on him to apply with Caliber Home Loans to be pre-approved. So, in order for the listing agent to even present my client 's offer on a home my client had to go to a Caliber Home Loans for a pre-approval. I know in this day and age of BIG business and banking that lobbyist rule, and he who has the most money gets to make the rules ; however, this not only affects me and my ability to support my family it also affects our clients. Anytime credit is re-pulled it has the potentially to affect the credit score of the borrower. If the credit score is negatively affected - by that mean because of inquiries the credit score goes down - this could impact the rate of private mortgage insurance the buyer pays. In this particular case if the private mortgage insurance goes up, the monthly payment goes up AND the borrower no longer qualifies. Since inquiries can affect credit scores this could affect insurance premiums and loan rates down the road. Requiring a borrower to be pre-approved BY ANY LENDER as a requirement to have their offer accepted is the very definition of steering. Steering is suppose to be against the regulations and rules yet THE OCC, HUD AND NOW THE CFPB DO NOTHING to prevent it. Kick backs are also not allowed yet PULTE Builders can offer their clients 10K in upgrades to go to   XXXX   XXXX   ( despite the fact that   XXXX   XXXX   has higher than market interest rates ) - how is that putting the CONSUMER in a better position??? How is that not steering? How does the CFPB allow this to go on? Steering is not allowed according to the law. Kickbacks are not allowed according to the law yet this is common place with big companies and big builders. I would like to see the CFPB enforce the law on ALL COMPANIES even if they are the seller of the property. This practice is not only against the law it is potentially harmful to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Aqua Finance, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I financed an HVAC system in the amount of {$6000.00} ( even ) with my local provider who used Aqua Finance. The unit was installed and I signed an acceptance form on XX/XX/2019. My first payment was due XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$6000.00} to totally pay off the loan within 30 days. ON the XX/XX/XXXX billing statement the payment was indicated with new interest charges totaling {$88.00}. I telephoned the company and their rep stated that interest is applied from Day 1, despite the fact that I paid the total amount financed within 30 days. I do not believe their practices are legal. 
I have since paid the balance reluctantly, but I'd like Aqua Finance to reimburse me for the interest charges.

Company response to consumer: Closed with explanation