BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home loan that is serviced by Ocwen. There is a large descrepancy between the loan balance reported by Ocwen, and what the amortization schedule indicates it should be. I complained a couple of years ago by way of a phone call to Ocwen. They could not explain the large descrepancy. I emailed an inquiry to Ocwen a couple of weeks ago. They still have not explained the error, but they did get back to me about 10 days after I sent the email request. They claimed my initial request to not include enough information, which I do n't believe is true. I called the phone number the provided me with, and I provided Ocwen with requested account details. A weird thing that happened after my email request, concerning the large descrepancy between Ocwen 's reported balance the amortization schedule 's stated balance. The amortization schedule was removed from the Ocwen website. I do n't trust Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: PA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 explanation
Consumer complaint received 2015-06-17
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home loan with M & t bank. I 've never been late. Even now. 
Part of my loan had a requirement that I open an M & T bank account and the loan payment is pulled from there into the loan. 

For XXXX yrs I 've had an automated transaction from my XXXX XXXX account to move {$580.00} into my M & T account. The loan payment is about {$570.00}. 

I always check my digital email receipt of the wells transaction and my physical loan mailing update to make sure all is ok. 

A week ago, M & T calls me to tell me I have overdraft charges. I assumed my automatic transfer of {$580.00} from XXXX XXXX to M & T failed. But it worked and my loan was paid up to date. I asked " how do I have an overdraft then? ". Them " well you did n't pay the fee '' Me. " what fee? 

Basically, they created a {$15.00} " under {$500.00} '' fee on my account that I was required to have. They may have sent snail mail to me but I have a XXXX ratio of junk mail from them so I only read my mortgage mail. My mortgage was up to date. 

I had been paying {$2.00} more a month and they took the fee out of that. When that was all taken they gave me an overdraft of {$80.00}. They say they ca n't refund it and I owe them {$5.00}. They " changed '' aka fixed my account so I is only for transfers but they ca n't " undo '' {$80.00} fee. Working with databases and CC transactions I know that is a complete lie and it 's just a rule to screw over customers. 

I have never been late. I want my money back. 

I was paying them on time for XXXX years. They make a profit off that. They charged me a fee on an account that I was required to have ( profit on profit without extra work on their side ). They did n't properly alert me to the fee ( not thru email possibly hidden in junk snail mail offers ). They took my money and then fined me for the unpaid fee that I was n't alerted about on a required account for a profitable transaction. 

Again, I have never been late. I have never used that account for anything other than my loan transfer. 

What can I do? They said a manager would call me back after they called back and told me my request was " declined ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was repeatedly lied to by ECSI. They told me the only way to get my loan out of default was to give them personal information. This was incorrect. According to the XXXX all I had to do was make XXXX consecutive payments on time. I did this and had the loan rehabilitated. After the loan was rehabilitated, ECSI retaliated and posted negative information on my credit report. They indicated that I had n't made payments in the past 15 months. I had in fact been making them for approximately 10 months. I called and complained and they blamed it on the credit reporting agency. After an investigation showed they were responsible, they claimed they no longer had my info, it was with the federal government. After that I received another billing statement from them. So they told another lie to avoid the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Eastern Asset Services LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX from Eastern Asset Serv called my husbands Ex wife of 20+ years and told her all of our account information including the amount of the debt. We have no affilitation with my husbands ex wife and this debt collector told her everything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/15, my car was vandalized and my purse was stolen out of my car, including credit cards, checks, my driver 's license etc. The incident has been reported to the police, and my insurance company. I cancelled all of my cards that day, and I notified my bank, XXXX XXXX XXXX XXXX. Please refer to attachment C for the police report, and attachment F for the report from the autoshop. 

On XXXX/XXXX/15, the thieves took out XXXX money orders with Money Gram over the internet using my license and my checking account information. This took place while I was physically at the bank. The bank immediately reversed the money, and credited it back to my account. My bank also notified Money Gram that this transaction was fraudulent on the XXXX of XXXX. 
Please see attachment D for the transaction records to Money Gram, and charges made XXXX. 

On XXXX XXXX, I recieved a letter from XXXX XXXX XXXX indicating that I owed money. I responded to XXXX explaining the situation, and that this had already been reported to Money Gram on XXXX XXXX, 2015. I included a dated letter explaining the incident, I included the police report, the records from the autoshop, the bank records showing all of the fraudulent charges, and the letters from XXXX for verification purposes. 

On XXXX XXXX, 2015, I recieved another letter from XXXX explaining that I owed money, even though I had responded on the XXXX of XXXX explaining the whole scenario. 
I am usure of where the money was transferred, but XXXX and Money Gram should follow up with the recipients. 

I am officially filing a complaint against Money Gram and XXXX XXXX XXXX for irresponsibly sending out collection notices after being supplied an official explanation of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Goldstein, Cruise and Smith LLC
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Started receiving calls back in XXXX stating we had an outstanding payday loan that we needed to resolve before they charged my husband with writing fradulant checks where I cut them off and told them that if it was indeed a payday loan it was not a criminal matter, it was a civil matter and do n't try to hustle me. Told them I would call them back in 24 hours and we could discuss. I still received multiple call on XXXX XXXX. Called multiple family members saying they were looking for my husband in regards to a serious matter, continue to contact my mother-n-law even though her number was put into the do not contact website because she just had a XXXX XXXX. Call from XXXX, XXXX, and XXXX numbers. Requested validation of debt on XXXX XXXX, 2015 only received an email with wording from a gmail that said we owe the debt but no proof or attachment of loan documents. XXXX a local County Clerk 's fax number and said they were a process server coming to serve my husband but I could call to make a payment to stop further action. I contacted the XXXX County Sheriff 's and Clerks office and they never heard of the process server and stated the number was a fax number she called from and calls could n't be made from it but scam artists are known to XXXX lines. I have send XXXX requests to the XXXX account requesting proof of the debt and I get no replies ; however I get voicemails left over and over again. Both on cell and work numbers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX I opened a checking account at M & T Bank. This account was supposed to include a {$200.00} bonus at the end of 90 days with direct deposit. After XXXX emails and a phone call I was sent an email on XXXX that I would be receiving {$200.00} in my account on or before XXXX. I never received the bonus so I sent another email. On XXXX, XXXX, I received anther email that they were looking into the matter. They are clearly stalling and I suspect fraud. I am sick of this back and forth stall. I want this settled now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. 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 2021-01-06
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2020, I seen and filed disputes with CCS Collections, XXXX, XXXX, and XXXX XXXX XXXX for alleged debts of ( XXXX ) that i do not owe.This is damaging my credit from getting a car and obtaining credit. I asked them for certain things showing the validity of the alleged debt and has attached copies below.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I signed up with XXXX  to help my business get referrals from clients. They also provided me a merchant services processing company : XXXX aka XXXX  aka XXXX. 

After a year, at the end of my contract, I asked to cancel my account which I did in XX/XX/XXXX. 

I sent the credit card processing machine back to XXXX. / XXXX. I never used the credit card processing machine. 

XXXX continued to charge me for credit card processing for two years after I cancelled my account with them. 

They billed me XXXX from XX/XX/XXXX through XXXX, XXXX. Then they raised the debit to XXXX on XX/XX/XXXX and again debited my account in XXXX in the amount of {$220.00}. At this point I went to work trying to discover who it was that was charging my account without any phone number or business name on these charges. 

My bank couldn't even see who it was. 

I had to get my bank manager to call XXXX XXXX and it was then we discovered who it was XXXX  aka XXXX  XXXX aka XXXX. 

I called several people including managers at XXXX. They did refund {$230.00} but refused to refund anything further. These people were rude, talked over me and refused to refund the entire amount. 

I did call them in XXXX to notify them I was closing the account. They however refused to close it. Continuing to charge me until XXXX when I put a stop payment on my bank account. 

I have had to close this account, so they will need to refund via bank check not a debit. I am sure you understand why. 

I am a life coach. I run a very small business. {$1400.00} is a lot of money to me. Big corporations should not be allowed to run ruckshod over small companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. 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 non-monetary relief
Consumer complaint received 2022-03-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear CITI User, We detected new login attempt from IP XXXX. If you didn't authorize this, kindly update us here https : XXXX... 

I do not have a Citi Bank account and I get these texts constantly phishing for personal information.

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 2016-05-31
Company: Receivables Management Partners, LLC
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i sent a request pursuant to the fair credit reporting act demanding the said company prove they have the legal right to collect said debt even if debt exists. they ignored the request and let the statue of limitations expire. I then sent a final demand to remove the item and cease and desist. They intern sent a validation of debt in response. All documentation will be included. I followed up with then and their response was to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for the homeowners assistance fund. The homeowners assistance fund have submitted a 2 page document to my mortgage company, Loancare XXXX XXXX on XX/XX/XXXX. Loancare has neglected to provide this information to the homeowners assistance fund. I have made lots of attempts to call, Ive escalated this matter and still, nothing has happened. The last person I spoke to on the Escalations collection team at Loancare, by the name of XXXX at extension XXXX on XX/XX/XXXX. He promised to send the forms directly to the person who has to fill it out. He promised to call me in 2 business days. I still havent received a call. So here I am, back to calling and getting no where. 

I also applied for assistance through XXXX XXXX job and family services. I was approved but due to the delay in receiving a letter and W9 from Loancare, Ive had to reapply. This process already takes a couple months. To keep having to start over is frustrating abs drawing out the negative credit bureau reporting. 

Please assistance within getting the info to the HAF, as soon as possible. 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 2022-03-23
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: Investigation took more than 30 days

Complaint:
An account was opened fraudulently in my name. 
Opened XX/XX/2021 Total Amount of {$510.00}

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 2016-06-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to the website XXXX and completed all XXXX sections and when I got to the XXXX section to obtain the reports I received a message stating I would be unable to get the reports online I would have to mail in a request to obtain them. I do n't understand why the site would have me enter my personal information under the guise that I will receive the reports online and then tell me that I ca n't get them.

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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My latest request XX/XX/2020 for an investigation into inaccurate reporting of two account. 1. XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX. 
Both of these account have inaccurate payment status reporting it says Late 120 days late when in fact that can not be possible since this account is a closed XXXX balance account. 

I have yet to get a response.

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 2016-06-01
Company: DataMax Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX in North Carolina submitted my account to a collection agency Interstate Credit Collections before sending me a final bill after I requested services be discontinued due to moving out of state. My next bill would have been due on XX/XX/2016. The collection notice arrived with a date of XX/XX/2016. A XXXX representative verified that they did have my forwarding address, but that it is their policy to turn accounts over to the collection agency within 72 hours of the date due. The date of my bill from collection agency is the same date the bill would have been due, not 72 hours. XXXX did not mail a final bill to me prior to submitting it to collections. This would appear to be an illegal practice. I have paid the bill in full, but XXXX indicates that it is not their responsibility to remove it from collections. I notified Interstate Credit Collections today that the bill has been paid in full to XXXX directly. They have assured me that this will not affect my credit. However I have no reason to believe this. XXXX XXXX should not be able to submit consumers to collection before providing them a final bill. I hope that something can be done to curtail this practice as I am sure it has a negative impact on consumers ' credit! 
I will now have to chase this with the credit bureaus to ensure that it has n't affected my credit. Both businesses have assured me that it wo n't. However the collection agency could not verify that I 've paid XXXX XXXX because they say XXXX needs to submit it as paid to them. XXXX tells me they ca n't remove the account from the collection agency even though it is paid in full. So where does this leave the consumer? 
I hope you can help me confirm this is n't on our credit as we are purchasing a home!

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 2021-01-06
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account was disputed on XX/XX/XXXX. Account has failed to be removed. Spoke with agent on XX/XX/XXXX at XXXX XXXX and was provided a fax number of XXXX to provide identity theft documents and was reassured that my dispute will be processed within one business day.

Company response to consumer: Closed with non-monetary relief