BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-18
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have complained about OCWEN home mortgage in the past. I recently received a mortgage payment increase notice from OCWEN which increases the payment from {$1900.00} to {$2100.00}. The statement is dated XXXX/XXXX/XX/XX/2015. There is no explanation other than " Further detail regarding the reason for this change will be included in a separate letter. '' I have not ( as of today - XXXX XXXX, XX/XX/2015 received a separate letter. In addition, OCWEN has not stopped our PMI payments despite the fact that we have brought our mortgage principal down from {$180000.00} to {$140000.00}. The original value of the home was {$190000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Hi, XXXX replaced the roof of my house and put cost on a credit card. The work is not done ( incomplete ) and I contacted the number on the statement for a dispute, and I was told that they are unable to help me with the dispute.

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 2016-06-30
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Indymac was the prior servicer on my mortgage loan. I applied for a modification and was approved in XXXX XXXX. The payments were changed from {$2900.00}. to {$2700.00}. I made the modified payments by money order to XXXX from XXXX XXXX until XXXX XXXX totaling {$33000.00}. The servicing of my mortgage loan was transferred to Ocwen Loan Servicing by XXXX XXXX. Ocwen did not apply any of the {$33000.00} in payments to my account and claimed that the {$33000.00} in payments were returned to me. Ocwen only returned XXXX checks totaling {$10000.00} and did not explain why they did n't permanently modify the loan. I submitted a new modification application to Ocwen in XXXX. They acknowledged receipt of the application but did not complete the review and did not send me a denial letter with an explanation. Ocwen instead commenced a foreclosure action in XXXX, which was discontinued in XXXX XXXX, for reasons I do not know. Ocwen then started a new foreclosure action in XXXX XXXX. Ocwen claims my loan was not modified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/2016 I requested a stop payment to be made for a pending bill of {$370.00} which I was told would be handled, and I was charged a {$30.00} stop payment fee. On XXXX/XXXX/2016 the charge of {$370.00} was then debited from my account. When I called in the the customer service team, I was told by the XXXX rep that the charge was only pending, and would not clear, however, the call was dropped. When I called back in I was told by a XXXX representative that the stop was not completed correctly, as the charge was not an ACH transfer and that it would not be enforced. Upon request I was then connected to a supervisor who told me again that because the stop payment was not entered correctly it would not be enforced - but that I could file a claim with the claims department. I was then transferred to the claims department who said that a claim couldnt be placed and I would have to request a refund from the merchant directly. This now leaves me with a balance that is {$300.00} short of my rent check that was delivered this morning, which means that check will bounce and I will then be charged NSF fees by both CHASE, NA and my landlord causing me even further financial hardships. Had I been notified by the Chase customer service rep on XX/XX/XXXX that the could not put a stop payment on non ACH payments, I could have attempted to make other arrangements for the money, however, due to the failure of the Chase customer service team to properly train their staff on their policies and procedures I am now without any other options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was approved for the Homeowner Assistance fund of Florida to make my mortgage payments for XXXX XXXX I have had problems with the mortgage company applying the mortgage payments to my account. At one point, a representative by the Name of XXXX XXXX assisted me in rectifying the mortgage account, but now the same issues are happing to my account again with payments not being applied ( XXXX and XXXX XXXX XXXX  ) and I am getting letters from the mortgage company about late payment.. I have called XXXX XXXX several times time over the past two weeks without any response for assistance with rectifying this mortgage payment matter with any return phone call. XXXX 's payment has not posted as of yet and the last time this happened, I had to make the mortgage payment on the last day of the month in XXXX XXXX XXXX with money I did not have and it took over 30 days to resolve for Loancare to locate the payment by HAF, refund me and apply the payment properly. This can not happen again. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
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: Credit inquiries on your report that you don't recognize

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently noticed a inquiry on my credit report. A inquiry that I did not recognize on my credit reports from XXXX XXXX XXXX. Also, I started receiving emails from this bank

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 2017-03-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX ( Chase Banker ) called me twice asking me to open a Chase account & we could earn {$500.00}. We set up an appointment date for XX/XX/XXXX at XXXX. We opened a checking account & deposited a check for {$2000.00}. Criteria for receiving {$200.00} from chase for opening the checking account meant we had to set up a direct deposit. My husband contacted XXXX on XX/XX/XXXX to organize direct deposit of his wages. On XX/XX/2017 he received notification from XXXX that his first check was returned as the Chase Account was closed. I tried to access the account online & was told that the account did not exist. I called XXXX & he advised that there was an issue with the check & it had been mailed back to me & I needed to call the number on the back of my ATM card for further info. I called the company that issued that check & they advised that the check had cleared on XX/XX/2017. I called the number on the back of the ATM card & the operations officer advised that they could not verify the issuer of the check so the funds were on hold & i needed to get them a number for the company so they could verify issuance of the check. Chase never contacted me to advise there was any issue, they just placed the funds on hold & closed the account. It 's the most unprofessional treatment I 've ever received. I contacted the company that issued the check & got the number for the person that signed the check, I called Chase with his name & contact details & they have advised that they can not verify his number as his name is not on public record as being associated with the company. I have never heard anything like this in my whole life.Chase has {$2000.00} of our money on hold for a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Maximus Education, LLC dba Aidvantage
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Backstory My loans were originally held with XXXX and I paid down the majority of those loans during the emergency forbearance period. My account was transferred to Aidvantage in XX/XX/XXXX. The new loan balance with them was {$12000.00}. I paid that off in XX/XX/XXXX. 

XX/XX/XXXX -- Called Aidvantage to request a {$20000.00} refund on my paid in full loans -- Told that the additional {$7500.00} would require a payment history request from XXXX XX/XX/XXXX -- Called in for an update and was quoted 6-8 weeks of processing times -- This appears to be date that my request was officially submitted XX/XX/XXXX -- My loan balance was updated to {$12000.00} on Aidvantage 's website. 
-- I was told that the request for {$7500.00} was re-submitted on XX/XX/XXXX -- I am now being told that my request for the {$7500.00} will take an additional 12-14 weeks Since then, I have been trying to get information on what has been happening. I am constantly getting hung up on by account representatives. When asking for an escalation to a manager the hold times are 1hr+ and results in hang ups before speaking to anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
OCWEN LOAN SERVICING, has illegally reported a pending ligation on my XXXX credit report. This loan is currently in the California courts for illegal and fraudulently tactics concerning the recent modification on my account. below is my XXXX report showing recent activity. 
OCWEN LOAN SERVICINGXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXAddress identification numberXXXXAccount numberXXXX .... 
Recent balance {$330000.00} as of XX/XX/XXXXStatusOpen. {$40000.00} past due as of XX/XX/XXXX. 
Date openedXXXX/XXXXDetailsYou requested that we add the following statement to your credit reportStatementLitigation Pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Intelliloan, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a re - finance with Intelliloan in XX/XX/2020 and was supposed to close in XX/XX/2020. 
loan amount - {$340000.00} I have been calling and e-mailing with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase have been charging me too many overdraft fee and are very inconsistent on how they do it. They even charged me for overdraft for transferring money from my checking to savings even though there 's enough money when I did the transaction. Some charges they would pay and charge me overdraft for it then decline the charge after a few leaving me to pay extra fees to the other company because of declined payment. They take over {$400.00} of overdraft on my account almost every month!, they would even change the order of my transactions from highest to lowest so I could have more nsf fees at the end. What a scam!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-05
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/XXXX, I discovered an account that had been " added '' on my credit report with no notification. It was an auto loan with XXXX from XX/XX/XXXX. The " date reported '' was listed as " XX/XX/XXXX ''. On XX/XX/XXXX, I faxed numerous documents to Equifax showing that it had never been on my report and was not mine. They have repeatedly mixed my data with other people with the same name as mine and taken months to correct it after I 've informed them of it. 

On XX/XX/XXXX, I filed a dispute since they would not remove it via phone or fax. I called Chase Auto Finance to confirm that the account was belonging to someone else with the same name as me, but an address I never lived at, and different social security number and date of birth. 

Today on XX/XX/XXXX, it shows it has been updated. They moved the " date reported '' to XX/XX/XXXX, the day I faxed them proof showing that it did n't exist prior to then, and moved it from Open Accounts to Closed and charged off. I called XXXX again and they confirmed that I do not have any accounts with them. 

Clearly Equifax did not actually verify the ownership of this account under the requirements of FCRA and on top of that, they altered the history to hide that it was mixed in with mine through their data-linking software by changing the date it was reported to the file. 

I attached reports from XX/XX/XXXX - no account present ; XX/XX/XXXX - account present with XX/XX/XXXX insertion date and a screen shot of the updated account showing that the insertion date was changed to XX/XX/XXXX. I have a record of numerous reports that I can provide as well. I provided multiple Equifax reports to Equifax to show that the information was erroneously linked to my report ( along with two other accounts they removed that shared the SAME address and SSN as this account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have reviewed my credit report for accuracy information I notice that my inquiry 's were removed and reinserted without proper notice by law section 609 you ca n't reinserted previous removed items without notice to the consumer causing my credit report to have damage changes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I went into chase branch to pay off credit card. I sat with personal banker, we talked to card services and received a total balance plus interest amount to pay off all total dues on account. I paid this amount in full and agreed not to terminate the account in good faith with a zero balance. The next day I was charged over {$250.00} in interest fees on the account I paid off in full plus interest the day prior. Chase refused to waive the fees and are forcing me to pay off the new Balance. I again went into the branch and talked to a supervisor and they pretty much told me I 'm shot out of luck and must pay the new Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: DLC, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have had difficulty with this account. While I was traveling XXXX, I could not answer their calls. 

The company called my employer to verify my employment. This caused me significant embarrassment given that the company had already verified my employment. I signed a release to this effect but assumed it was for the purpose of verifying my eligibility for the original loan. 

I have asked the company to stop calling me. I have asked the company verbally and in writing. The contacting of my employer a second time makes me feel harassed and intimidated. The only reason I did not call them back was because I was traveling XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Today is XXXX, XXXX, 2015, no payment has been made for over eight years on a mortgage for a home that I legally own. The Statue Of Limitations in MA is six years to collect any kind of debt. The original mortgage was with XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX forgave the debt and discharged it at the registry of deeds, XXXX XXXX XXXX sold the debt and has been selling it and moving it around to all different banks, a lien was placed at the registry of deeds by US Bank NA and now XXXX XXXX XXXX XXXX is claiming they bought the loan and could possibly be selling it and moving it around. In the mist of all this my identity could possibly be at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
GMAC continues to report my account closed status dating XXXX for both mortgage and home equity line. I have disputed this in the past since both of these accounts closed XXXX. I have won the past disputes. I have documents and letters stating the true close dates of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On or about XXXX XXXX I applied for a modification with Ocwen Loan Servicing LLC on one of my Rental Properties. All paperwork i submitted clearly told them the property was a rental property and I did not occupy the home. On or about XXXX XXXX, I was advised that I was approved for a modification and they required me to make ( XXXX ) reduced payments for the periods XXXX XXXX, XXXX XXXX and XXXX XXXX. The paperwork they sent stated that if I made the payments on time the loan would be modified. I made each prior to the due date and they were all on time and sent them Certified Mail after my third payment I contacted Ocwen and they stated I should continue to make the reduced payments and expect my paperwork be adjusted and a final documents sent to me. On or about XXXX XXXX, XXXX, I received another modification letter that said I needed to make the payment for XXXX XXXX, XXXX XXXX and XXXX.It also stated in error that I certified it was an owner occupied property. I immediately contacted Ocwen regarding the owner occupied error and payment error and they said to sign the paperwork and send the paperwork in and they would correct it. I was also told to continue making my payments. I sent the paperwork in Certified Mail and continued making my payments via US Certified Mail. Each month my payments were sent in before the due date for the following month. On or about XXXX XXXX, I received a letter form Ocwen stating they are returning my payment because it did not satisfy the Re-Reinstatement amount. On or about XXXX XXXX I sent the next payment in which crossed their letter in the mail and it was cashed. On or about XXXX XXXX, I sent another payment in which they returned. I contacted Ocwen in XXXX XXXX when I received the letter and was told they had not received the paperwork. I forwarded them a copy of the Certified Mail Receipt stating that they did in fact receive it in XXXX XXXX and they stated because they lost it they never received and to resign the paperwork and re-send it. On or about XXXX XXXX, I resent the paperwork via Certified Mail. 

Each month Ocwen sent me a loan statement reflecting a acceleration of the debt. 

I did not hear anything from Ocwen other than the above loan statements until XXXX XXXX, when the loan statement indicated I was now delinquent {$9000.00} and the loan was subject to foreclosure. Within two days, I received a letter signed XXXX/XXXX/XXXX form Ocwen saying my modification was approved. The approved modification had the page removed that I crossed out owner occupied and marked non owner occupied, and now they state the loan is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
JPMorgan Chase Bank , N.A . and Chase Home Finance LLC use " Void '' XXXX security instruments to financially gain from filing mortgage foreclosure complaints. Upon obtaining Judgement of Foreclosure and Order of Sale of property, JPMorgan Chase Bank , N.A . and Chase Home Finance LLC financially gain from the sale of the property using the " void security instruments ''. 

JPMorgan Chase Bank, N.A., on XX/XX/XXXX in the 19th Judicial Circuit Court in XXXX, XXXX, filed a mortgage complaint with a " Void '' security instrument stamped " Pay to the Order of Without Recourse, JPMorgan Chase Bank, N.A '' signed by XXXX / Assistant Secretary dated XX/XX/XXXX using a MULTISTATE InterestFirst ADJUSTABLE RATE NOTE, ONE-YEAR LIBOR INDEX, 10Yr.Interest Only Period, Single Family, Fannie Mae Uniform Instrument XXXX 

On XX/XX/XXXX JPMorgan Chase Bank N.A., JPMorgan Private Client Services - XXXX, XXXX ( Place of Settlement ) refinanced a loan that did not disburse any funds. There is no copy of the cancelled check that funded the loan or record of a wire transfer receipt to fund the loan at closing. Disclosures as required by the provisions of " Truth in Lending Act '' were not delivered at closing. The amount of funds disbursed by the check listed below were not on the U.S. Department of Housing and Urban Development Settlement Statement. 

The only funds disbursed for the loan was by check number XXXX on XX/XX/XXXX in the amount of {$76.00}. Routing number XXXX, account no. XXXX. 

The Name on the Account for the above check : Chase Home Finance , LLC Escrow Disbursement Account in Trust For Various Mortgagors XXXX, XXXX XXXX Bank Name : JPMorgan Chase Bank , N.A . 
4 Chase XXXX, XXXX XXXX Filed OCC Case # XXXX, OCC Appeal Case # XXXX, OCC Appeal Case # XXXX Circuit Court of the Nineteenth Judicial District, XXXX, XXXX Case XXXX. 

CFPB Complaints : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation