BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-20
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National Credit Adjusters , LLC XXXX Date Opened XXXX/XXXX/XXXX Date of last payment XXXX The above-referenced debt, I have disputed this debt with XXXX back in XXXX XXXX. The dispute was in reference to the account being past the statute of limitations of only 4 years ( XXXX XXXX ) for the state of Georgia. This dispute was honored and deleted from my credit report on XXXX XXXX, XXXX. 

This company is trying to garnish my wages for an account that is stale and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX 2015, I requested a simple letter of consent from PennyMac for a resubdivision of property. I received a packet with instructions dated XXXX XXXX, 2015. I immediately sent in all the necessary information. Since then they have verbally told us the consent was okay with PennyMac, but will not draft a letter to that regard. They want our city to provide a form, which our city does not have. My city stated they only need a simple letter or even an email that PennyMac is not opposed to the subdivision. PennyMac said I could have a title company prepare the letter, but they would not accept what my title company would provide as they wanted it on the title company 's letterhead. Since the title company had no association with the transaction, they would not put it on their letterhead. I put PennyMac in direct contact with the title company, but they could not clearly direct them on what they needed as they have been unable to do for me, my city and even their own title company. After many conversations and many many many hours, PennyMac was going to have their title company prepare a document at our expense. But after a week, I was told their title company could not or would not prepare the document. Finally, after putting them in contact with my city planning and my own title company, my title company drafted the letter. Since then, XXXX XXXX, XXXX XXXX and XXXX XXXX last name unknown ) have not returned calls or emails. We are now almost XXXX months into the problem and without the solution. 
The entire time I was struggling to get a simple letter from PennyMac, they neglected to pay my flood and homeowners insurance and one house and I was left uninsured, despite several communications with PennyMac 's insurance department by both myself and my insurance agent. Additionally, they billed me incorrectly for my escrow and left me with a large unpaid balance that now must be made up for. 
PennyMac 's competence is sorely lacking along with their representative 's customer service skills leaving their customers without updates and not returning calls. Their customer service system is designed ti fail the customer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to adjust or remove this suspicious 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 XXXX XXXX, and I'm including it again. Please correct or delete these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-07-26
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had a XXXX-year contract with XXXX XXXX XXXX a provider of home security systems. The monthly payments were collected automatically via a credit card. However, the credit card on file was replaced by the financial institute and payments could not be collected. I did not receive any notification from XXXX XXXX about this. They were in contact with my son ( I was working XXXX ) and made no mention of any issues or that I needed to contact them. I did not receive any email, phone call or USPS letter from them about this issue. Further, I called them in XXXX to confirm the contract had expired and talked to a representative. No mention of any debt was made to me. Today, I received a notice from a debt collection agency that XXXX XXXX referred my outstanding balance to them. This letter was the very first notification I received that there was an issue. When I called XXXX XXXX about it, they insisted they called me and sent me an email and USPS letter. And, yet, I never received any of those notices. I have to wonder how it is possible I never received any of the XXXX notices. And, that is assuming they attempted to contact me only once. This action on their part failed to provide me with the ability to make payment and resolve the issue or to dispute any debt. The proof that I was willing to make payment is the fact that I contacted the debt collection agency ( Hillcrest Davidson, XXXX, account number XXXX ) and made full payment. The actions of XXXX XXXX could have damaged my credit report at a time I am working to refinance my mortgage and violated my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Admin Recovery, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
. months later my home flooded, as did much of the surrounding area that i live in, and insurance would not cover it. I had to stop payments on several things including this furniture acct in order to not lose my home and rebuild three rooms in my home. In XX/XX/XXXX this account went into collections and i set up payments with Admin Recovery to pay this off. the payments came directly out of my checking account each month until this month, XX/XX/XXXX. The reason i stopped payments was due to the balance on the statements. I realized, yes i should have paid attention earlier and did not, the balance every month as on Admin Recovery 's statements is {$2500.00}. The same amount on every statement which is n't even the amount I originally financed. To make matters worse, I checked my credit on XX/XX/XXXX due to being subjected to the XXXX hackng issue, and saw that on my credit report the balance has n't changed either. It states the higher amount there as well and does not reflect any payments at all, even though i have been paying a year now. I called my bank and stopped payments on XX/XX/XXXX. I spoke with a supervisor at Admin Recovery on XX/XX/XXXX and explained all of this to him. I also told him they will not get any more payments automatically drafted from my account and that I am investigating this further before they get anything and that my hope is to just start paying XXXX XXXX again directly. The only comment the supervisor gave me is that i need to do what i need to do and that they will not give me a balance update until the account is paid in full. That is ridiculous! How will I know it if it is paid off, how long i have, what is left? When i originally set up the payments the man on the phone told me it would be paid off in XX/XX/XXXX, at the amount i am paying a month and this inflated amount that would never happen. Something suspicious is going on here. How am i not allowed to know the balance?

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 2016-11-28
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am XXXX years old and can not pay {$570.00} per month for this transaction I did not know that the usury interest of 223 % would be so much ... .They want me to pay {$10.00} XXXX in interest on a {$3000.00} my social security check is XXXX ... .Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Simon's Agency, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Simons agency has also called numerous times to collect I assume from XXXX. I will upload the same documents showing I was divorced from a previous wife XXXX XXXX XXXX in XX/XX/XXXX ( Remarried in XX/XX/XXXX to XXXX XXXX XXXX along with medicaid id etc. My medicaid should have paid this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the Creditor and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the Creditor and Credit a Bureaus have not provided the proper validation which violates my consumer 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 explanation
Consumer complaint received 2022-11-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX  : # XXXX - XXXX XXXXXXXX XXXX XXXX XXXX # XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX Experian, XXXX, and XXXX have

violated my FRCA rights listed below : 15 U.S.C 1681i ( 2 ) ( A ) ( B ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 15 U.S.C 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2016-12-10
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Received a letter from the lender indicating that my interest only loan will change. I called the lender and I was transfer to a loan officer who ran my credit and application with a wrong social security number. Loan officer fail to provide me disclosures within three business days. A week later follow up and find out that there were not loan in process. Loan officer confirmed that the loan was in progress and the rate was lock for a HARP 30years loan fixed at 4.375 %. Two weeks later he had to retake my application and I was not able to login to review disclosures. When the hard copies arrived I noticed that the social security was wrong. Two weeks later he change the terms without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : XX/XX/XXXX Account # : XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On ( XXXX of XXXX ) I checked my consumer report and your company reported an alleged debt on my consumer report. I do not agree with the amount your company has put in my consumer report. Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 USC 1692g ( a ) ( 1 ). Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Also please keep in mind that only the creditor is the person who can validate these debts. Pursuant to 15 USC 1692a ( 4 ) the term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. Only a consumer like myself are the only people who can extend credit. So therefore, I have created the debt, but I do not own the debt. If you claim that I own the debt than please send me the instrument of indebtness with my signature. Also please keep in mind numbers or ID numbers is not a signature. If you can not provide me this instrument of indebtness than the debt is not owned by me and this has to be removed from my consumer report. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated plus the instrument of indebtness with my signature of me approving this debt. 

Best regards, 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 non-monetary relief
Consumer complaint received 2015-04-22
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
i submitted a short sale to ocwen on XXXX-XXXX-15all financials and the package was complete they even said it was. 
i went through heck working with ocwen trying to get them to approve the current offer submitted to the bank, it is like they do not listen or like XXXX or something. I do not understand how they can have me foreclose because there is not enough time. 
question ocwen : does it take 60 days to determine that there is not enough time. maybe if you processed the paperwork in enough tie we would have more time to market the property at your ridiculously overpriced value of 110,000. my home is in XXXX. it is valued at about 50,000. please help me to get the foreclosure date postponed it is set XXXX. 
i do not know what to do. 
they are forcing me to foreclose. i live in this house lost a job have no money now i will be in the streets, this is crazy. i thought Obama had programs for me like hafa? hey ocwen did you conduct an appraisal for my HAFA application?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
XXXX-ORIGINAL LOAN - XXXX XXXX XXXX Applied for a loan modification with XXXX XXXX XXXX XXXX XXXX transferred our loan to Ocwen Loan Servicing a . We received notice we were approved and the terms were to be 30 yrs for {$190000.00} @ 2 % for the life of the loan XXXX XXXX a. Ocwen changed the terms of the loan b. added XXXX to our loan, ( we were told this was an amount XXXX XXXX had sent over of payments that had not been made/ we then sent proof showing payments had been made and also our tax statements showing mortgage interest collected from XXXX ) c. raised interest rates after 5 yrs t 4.5 % d. added a balloon amount to end of loan e. robo signed or forged a signature on loan f. Has not responded in a timely manner to discuss the changes g. Has provided incomplete payment history reports h. Has refused to approve a new modification because our loan is current i. Has not considered the hardship of one half our income now going to a mortgage payment We have been trying unsuccessfully for five years to correct this error Only recently discovered this is common practice with this company and there is a complaint filed against them for these practices and an agreed order. They refuse to discuss the complaint and pass the information around from many representatives. In the past two months we have had XXXX persons assigned as our assistants to help. We have now been placed in the Escalation dept and are told our next step is the Ombudsman dept which is he highest level. We have been working with the Bankruptcy Dept, Research Dept and various other depts. Here is the link for the consent order XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Mtg raised monthly payment from XXXX as per XXXX/XXXX/15 statement to XXXX as per XXXX/XXXX/15 statement. This was because of escrow increases. I sent XXXX that they claim was escrow shortage. They acknowledge they received this on XXXX/XXXX/15. Now they claim my payment is XXXX on XXXX/XXXX/15. I sent the XXXX payment of XXXX that shows on my statement. They are now calling and telling me I am delinquent with my payment. They have not credited me the XXXX. I have talked with them on the phone and I have tried to explain to them but they can not seem to understand there is a problem as they do not have the correct amount for my payment. I speak to some one who does not speak very clear XXXX. It is hard to understand them and they do not seem to understand me either. I do not want this to look like I paid a late payment as I have perfect credit and do not want a mark against us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , LLC sent an Annual Escrow Disclosure Statement to me dated XX/XX/XXXX with an analysis date of XX/XX/XXXX. I received it on XX/XX/XXXX. 

On Page XXXX in the Escrow Cushion and Potential Escrow Shortage section - Expected Balance Deficiency paragraph, the communication stated that the total shortage is {$17.00}. On Page XXXX in the Escrow Account Projections section, the communication stated that the shortage may be paid directly and if the shortage is paid, the monthly payment will be adjusted accordingly. 

I paid the {$17.00} directly, which is shown on the XXXX XXXX Ocwen mortgage account statement that I received on XXXX XXXX. However, Ocwen still raised my total monthly payment to {$1100.00} instead of keeping my total monthly payment at {$1100.00}. Ocwen raised my total payment in XX/XX/XXXX after I paid the escrow shortage shortfall directly and could not explain the reason when I contacted them about it. 

With previous mortgages that I have had, the mortgage company kept my total payment the same when I paid the escrow shortfall directly. I am contacting the Consumer Financial Protection Bureau regarding why Ocwen 's communications state that they will keep my total payment the same amount if I pay the escrow shortage shortfall directly and they do not do this. Thank you for your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX of XX/XX/2013 i went to XXXX bank XXXX to re-finance my home at XXXX XXXX XXXX XXXX XXXX. at the time my home loan was through XXXX XXXX XXXX. I was at at the time at water level but, still making my payments on time with an XXXX credit score .i secured the re-fi. From XXXX. That 's when all hell broke loose. XXXX XXXX XXXX tried everything in the book to railroad me. I filed a complaint with attorney General office XXXX XXXX, my senators office XXXX XXXX, XXXX. To no avail. They strung out the closing process until XXXX when i was in contact with the c.e.o 's of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. After 7 months of run the runaround she emails me and says she set up the closing with a XXXX XXXX. So l called my banker XXXX XXXX of XXXX to ask her if she was aware of the closing. She said she had n't heard from them. 
The next thing i know, XXXX XXXX XXXX claims to have sold the loan to ( ocwen servicing ). I called my land trust and talked to the attorney on staff since i had the home in a trust in my sons name. i inquired as to whom held the collateral? I believe they called it. and the attorney told me XXXX XXXX XXXX 's. so, we contacted the c.e.o of XXXX XXXX XXXX again to inquire what happened to our re-fi?. We spoke to " XXXX ". She said they sold the loan to ocwen. But, XXXX XXXX XXXX still held lein on trust and collateral!. So, we contacted ocwen only to be told by a " XXXX XXXX " that it takes 20 days to get in the system. So, 20 days later we contactact XXXX XXXX and say we have a XXXX dollar check for the re-fi. she says we dont own the loan we just service it. At that point i was hospitalized XXXX. I had enough and stopped paying my mortage. After 2 years i hired a attorney to handle this because it was killing me. End of the story i had XXXX dollars for them and they for what reason refused it. Now, my beautiful home of 10 yrs was stolen fron me by XXXX XXXX XXXX and their offshore XXXX company " ocwen '' Please tell me i have some recourse! My phone # XXXX XXXX XXXX. My name is XXXX XXXX you have my email.

Company response to consumer: Closed with explanation