BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-09
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing LLC has refused to release my property title despite the fact that I have made all the payments outlined by the Promissory Note. I have made several attempts to resolve this matter with Ocwen and all I have received is inconsistent information. The last time I spoke with A Consumer Account Analyst, XXXX XXXX XXXX XXXX who pointed out to me that Ocwen is using a different method to calculate the interest and apply the payments made than what is included in the initial agreement as specified by the Promissory Note. She indicated that she would speak with her supervisors/managers with the goal of resolving this matter but we have since only received a letter threatening us with foreclosure. 
The loan we took out against this property originated with The XXXX/Consumer Finance XXXX XXXX we made the XXXX payments as outlined by the Promissory Note and expected to get our title but this has been held by Ocwen and they have not been willing to outline clearly the rationale for the amount they are alleging we owe. 
We desperately need your help. We can not afford to get an attorney at this time because of our employment status. If there is a ligitimate basis for some amount owing all we are asking Ocwen to do is to point it out to us so we can understand and we will honor our obligation as we have been doing since our XXXX payment XX/XX/XXXX through XX/XX/XXXX 
Please help us, we do not want to loose our home that we have worked so hard to finally pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Cooper Hoffman Klein Associates
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I honestly do not know what this company is calling my mother for, in regards to me. I returned a call to XXXX and when I was connected to extension XXXX to a XXXX, all he asked what was my location. When I asked XXXX XXXX what this was in regards to because I was searching online for some information on XXXX and Associates, and I could not find anything. XXXX XXXX then became very irate and said that it was irrelevant, and If I wanted to make this hard or easy. I then told XXXX XXXX, that 's just it sir, make what hard or easy? I am just trying to see why you all keep harassing my mother. He then yelled very loudly to serve you papers, or something of that sort. and I said, papers for what I do n't think I 've done anything wrong. He then became very angry and proceeded to hang up on me, but before the phone hung up, he was heard saying just send the units out. All the while he was talking over me. I do not know what this call was about, but whoever XXXX XXXX is was very rude and unprofessional to me, in addition to scaring and harassing my mother. I do n't appreciate this kind of harassment, especially when I respectfully asked for information and was n't given any.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account US DEPT ED # 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 non-monetary relief
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account does not belong to me. I have disputed it with the credit bureaus and I have obtained an FTC trade report and a police report. I expect it to be removed in a timely manner.

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 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered some accounts on my credit report that were opened on my behalf without my permission. I found out about these accounts today XX/XX/20 because I am in the process of buying a house and when the realtor ran my credit he told me that I didn't qualify for the loan right now because of these negative accounts on my credit report. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts. I did not benefit anything from these accounts such as money, goods, services or any other benefit from these accounts that were opened without my consent ; I never made any payments or purchases with these accounts and I have already filed a police 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 explanation
Consumer complaint received 2017-10-15
Company: Servis One, Inc., Titusville, PA Branch
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX we sent in a letter requesting hardship due to XXXX medical bills. Our mortgage was instantly sold to BSI financial. Our XXXX statement from BSI shows a fee of {$120.00} with no explaination. Also a 90 day insurance binder of {$1200.00} was added to our mortgage even though the previous servicer paid our home owners insurance out of escrow on XXXX XXXX, XXXX. They are giving us no answers and will not tell us if our insurance declaration has been received. Also upon calling them regarding the insurance they say they do not have our account even though they sent us the letter. I feel they know our hardship and are trying to raise or mortgage payment thru escrow manipulation so we default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Bank of America is listing an account on my report but can not 'validate the debt '. 
This reporting appeared on my report sometime during XXXX od XXXX, shows that it was a charge off in XXXX of XXXX, nothing done for years, and now shows charge off status every month since XXXX of XXXX. This makes me look as though I am currently in default. 
The only BofA card I has was account number XXXX and was closed in good standing back in XXXX. The account number listed on the report in not only unfamiliar to me but BofA, in a phone conversation on XXXX XXXX, XXXX, the representative stated that BofA changed the account number once the account went to charge off status. She also verified that my original account, XXXX, was closed at my request and was in good standing upon closure. After several attempts to find an answer for me, while placing me on hold, she finally stated that they could n't find any statements past XXXX but the account was supposedly opened in XXXX and they do not know where the account came from. Furthermore, they can not provide me any documents that would validate this debt. 
Also, they reported the charge off to the IRS in XXXX which caused me to have to re-file my tax return and was charged many dollars in late penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
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 Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication. 
Delete this account immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
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 have attempted to contact XXXX XXXX and Fifth Third Bank ( North Carolina ) multiple times and they refuse to remove this fraudulent account from my credit file. I am a victim of identity theft and I have provided XXXX XXXX and Fifth Third Bank ( North  Carolina ) with every single document that is required to prove that identify theft has occurred and what is need to have these accounts removed. I provided a full Federal Trade Comission affidavit that is notarized, the XXXX XXXX Police report that list each account/ item that I am requested to have removed from my XXXX XXXX and Fifth Third Bank ( North Carolina ) report. I have talked to many representatives that have refused to assist me and comply with the Fair Credit Reporting Act. I am requesting that this information listed below be removed using the provided documentation to the consumer financial protect bureau and mailed on XX/XX/XXXX to XXXX XXXX and Fifth Third Bank ( North Carolina ). I am requesting that this is completed immediately. Here is the account that I am requesting to be deleted : FIFTH THIRD BANK OF NORTH CAROLINA ( {$200.00} ) - ACCOUNT NUMBER : XXXX - ( OPENED : XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account XXXX XXXX ( Original Creditor : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2016-07-27
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to file complaint against PNC MORTGAGE located at XXXX XXXX XXXX XXXX Ohio XXXX for mishandling my payments and overcharging my account. 
Loan # XXXX My loan used to be with XXXX XXXX and everything was going fine in XXXX XXXX the loan got sold to PNC MORTGAGE and for some reason the property insurance documents were not transferred with loan docs. PNC purchased a placed lender policy and of course our monthly due went up almost XXXX dollars after it used to be XXXX it became XXXX. We used to make an automatic payment of XXXX dollars for the difference to apply to principal. 
I submitted the proof of insurance from XX/XX/XXXX several times until they admitted they received. I called them so many times over the last 2-3 months to refund our money and to stop their collection calls but nobody want to cooperate. Last call was on Friday XX/XX/XXXX I asked to talk to a supervisor they said he or she is not available and will call me back and of course no one did. 
All what I asked for is 1-to refund the XXXX dollars for the Lender placed policy 2-refund all overcharges to our account and replenish our escrow account accordingly including overcharges plus any interest or late fees assessed. 
3-not to charge our account for the insurance policy that we already paid for directly to our insurance agent 4-apply the difference between our correct due amount and the XXXX dollars toward our principal 5-stop their collection calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: MI
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:
Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Allied Collection Services, Inc. (Nevada)
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XX/XX/XXXX I stayed at XXXX 's of XXXX XXXX with a tradeshow. XX/XX/XXXX I received a phone call from Allied Collection Services of XXXX XXXX stating I owed {$160.00} to XXXX 's of XXXX XXXX. I told them that I did stay at Ballys ' and if they could tell me what the charges were for, I would pay them. The gentleman told me he would mail them to me but I never received anything. On XX/XX/XXXX I received another call from a different person ( XXXX ) from Allied Collection once again stating that I owed {$160.00}. I once again asked for documentation which they said they would mail to me. On XX/XX/XXXX I received a copy of my credit report in which the {$160.00} debt severely degraded my credit score putting a mortgage for a new house in great jeopardy. I called XXXX of XXXX XXXX but they only keep records for 90 days and could not tell me what my bill was for. I called Allied Collections and paid the bill even though I have no idea what it is for since I felt like I had no choice. Now I possibly will default on a new house offer and lose a {$10000.00} down. I paid the debt with interest and a credit card fee and feel like I have no recourses. I did n't even know I owed the money to Ballys and I 'm really not even sure if this is related to my stay. I had an XXXX credit rating and no debt before this event and now I 'll probably have to tell my kids that XXXX 's has taken the new house from us ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Long story short is that Capital One Auto Finance did in fact agree to finance a vehicle on behalf of consumers that they knew would later be rescinded resulting from an ongoing unresolved dispute involving Capital One and XXXX XXXX XXXX XXXX XXXX, Maryland. Capital One conducted credit checks when they knew that there was no real intent to finance the loan. They entered into the contract after they some how systematically discovered that another financial institution agreed to finance the vehicle under more peaceful and less stressful terms. They failed to address the ongoing dispute and complaint filed against them resulting from a previous deal that went wrong. On Sunday XXXX XXXX, XXXX a vehicle that consumers attempted to purchase was in fact repossessed because Cap One rescinded on the deal. On XXXX XXXX, XXXX Cap One agreed to finance the vehicle. On XXXX XXXX, XXXX Cap One agreed to finance a vehicle that failed to operate in Reverse ; thus faulty transmission with that vehicle. Subsequently consumers have filed complaints against CapOne and the dealership seeking to remedy, sever, and abate the contract. Furthermore seeking a clean savage Maryland Certificate of Title as result of the faulty transmission. Cap One has failed to comply. Why did Cap One agree to finance the vehicle when they knew that another source was interested. They knew that there was no real intent to finance pending a previous deal that went eerr/wrong. Why did they feel a need to tamper with the credit process when they knew that the deal would later be rescinded. Failed to notify consumers of their intent to repossess the vvehicle that they knew was no real intent of financing. Clearly there has been an improper misuse of consumers credit information. Clearly this businees is engaging in retaliatory actions ad result of pending consumer complaint. It 's not the consumers fault that XXXX XXXX sold us a vehicle with a defaulted ; failed transmission. As consumers what are we suppose to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We ended our forbearance with Mr. Cooper ( Nationstar ) in XX/XX/XXXX. As of yet we can not get them to provide updated statements with payment & date due, have not sent us any information by mail or to our Mr. Cooper online account. They took {$990.00} from us when I called them on XX/XX/XXXX to see what was happening and they said that amount was due by XX/XX/XXXX which was only 3 days later and NO ONE had contacted us stating that amount was due and by XX/XX/XXXX. Had I not called to try to get an update we would have missed it. Just tried to get more info over the phone yesterday ( XX/XX/XXXX ) and the woman totally gave me the run around, could not answer any of my questions, sent me something by email I could not even open. I'm scared they are trying to set us up to take our home- this company is notorious for being shady! They shouldn't be allowed to be in business. They stole {$400.00} from us a few years back and I simply do not trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
-Ocwen is a crooked mortgage company forcing people to forclose! I have been trying to do a mortgage modification for 3 months now.Every time I call I get the run a round.They never received my paper work or my time has run out I need to fill out another packet or the information I sent in was wrong.I found a website on XXXX with thousands of complaints towards this company the site is called The Ocwen lawsuit source! Many people lost their homes already, others stressing that it is going to happen to them next., The site was set up because people do not know how to handle this situation.Please help!! I 'm a single Mom living in my home now for XXXX yrs.I do n't want to loose my home. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: IL
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  Account # XXXX XXXX Has violated my rights. These account has also been removed by XXXX, and XXXX. In which I have the investigation results Showing these items were in fact deleted and should not be reporting my on credit report Please demand Experian to remove these two accounts.

Also under Account # XXXX was also deleted from transunion showing NO derogatory accounts in question. I've attached a copy of accounts listed from XXXX this account is not showing. But it shows on XXXX an exceptional payment history that I do not recall. And it's showing on Experian as a charge off. all this information is inaccurate and does not reflex the true identity of this accounts and should be deleted As soon as possible. 

The last Account # XXXX has also been deleted from my transunion credit report, I received a dispute acknowledgement from the company as well, but it has continued to show up on my Experian and XXXX credit report and should be removed as soon as possible. 

15 U. S. C 1681 section 602 A. State I have a right to privacy U. S. C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instruction.

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