BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This conventional interest only loan started at 9 % through XXXX XXXX. The loan was sold to XXXX XXXX XXXXXXXX then Nationstar and then Mr. Cooper. I applied for a loan modification with Mr. Cooper after suffering a XXXX XXXX in XXXX of 2014. During the entire time period I also had several property damage claims that were sent to XXXX, XXXX XXXX XXXXXXXX and Nationstar totally more than {$25000.00}. All of the checks were signed by myself and turned over to the current mortgage servicer at the time. The mortgage servicers were supposed to sign and return the insurance money to me so that I could complete the repairs and pass their inspection. All of these servicers never endorsed or returned the funds so that I could repair the property. I believe that this was a conspiracy to defraud me by the investor, XXXX, XXXX XXXX XXXXXXXX Nationstar, and Mr. Cooper to bring about the foreclosure of my property. 

I have attached proof of my attempts to receive the insurance claim funds from the loan servicers over the years. I request that the foreclosure be suspended until I receive the funds in dispute, which by law should have been endorsed and returned to me to complete the repairs years ago. I believe that this is a conspiracy by all parties to force a foreclosure on the property. 

After I completed the COVID special forbearance, the investor should have approved a streamline modification to allow me catch up and reduce my payment. Mr. Cooper did not allow this option for this conventional loan. This would have allowed me to keep my home and keep their loan intact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Alorica Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The medical debt Global Receivables Solutions, Inc. is trying to collect from me is from XX/XX/XXXX and XX/XX/XXXX. At that time I was married and the grantor was my ex-husband. I was under the impression that this debt was paid in full. Global Receivables Solutions, Inc, first contacted me via letter XX/XX/XXXX. I requested proof of debt and received proof XX/XX/XXXX. 

I agreed to pay {$30.00} monthly XX/XX/XXXX to put a stop to the harassing phone calls. The first payment was made on XX/XX/XXXX. 

According to our filed divorce agreement, my ex-husband is responsible for all debt accumulated during our marriage. 

Since the divorce has been filed with the courts and the courts acknowledge that my ex-husband is responsible for this debt, Global Receivables Solutions, Inc. needs to cease the harassing and inaccurate demand letters. 

Global Receivables Solutions, Inc. 's collections practices are illegal. They do not have the right to make up false agreements or reports and then report false agreements and negative reports with credit agencies just because they purchased the debt from XXXX XXXX Hospital. 

Global Receivables Solutions, Inc. has been sending letters stating that a payment was setup in the amount of {$500.00} due by XX/XX/XXXX. This is false. A payment plan in the amount of {$30.00} monthly was established. I have contacted them and they stated that they would correct the issue. Today I received a notice stating I owed them {$1600.00} due to the fact that they did not receive agreed payment. Another false letter. 

I have been treated badly by several representatives from this agency, ranging in severity from rude to downright hateful. Both their poor treatment of people who try to cooperate with them and their unethical collections practices led me to filing this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Capital One Case Number : XXXX Redlin Fitness inadvertently charged my Capital One card in the amount of {$280.00} not once but twice. 

When XXXX XXXX promised to refund both charges and only one processed, I filed a dispute with Capital One. 

Capital One saw his mistake and properly credited my account in the amount of {$280.00}. 

However, Capital One later saw the single refund that was processed for the inadvertent XXXX charge and ran an unwarranted PURCHASE ADJUSTMENT for {$280.00}. 

In doing so, Capital One completely ignored the inadvertent XXXX charge in the amount of {$280.00} that failed to refund as promised. 

As a result, Capital One now shows a fraudulent charge in the amount of {$280.00}. While Capital One initially properly credited this amount, the company failed miserably and charging this amount back to my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-14
Company: Exeter Finance Corp.
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly calling XXXX times every day even if they payment have n't been payed XXXX hours after due date and have n't exceeded grays period of XXXX days. Calls are made on Saturdays to even Sundays sometimes. No voicemail nothing just harassing non stop calls non stop its out of limits. Please no one ever accept financing from this company its a rip off i had XXXX credit and they charging me 20 % APR they tricked me they sold me their warranty and made my life miserable. Cant wait to get out of this deal. Stay away from EXETER finance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've had a really rough time with CMRE Financial Services for nearly a year. During this time, they have violated all norms of decency : from calling repeatedly despite me asking them to stop calling, to trying to continue to collect after it was referred to my insurance, and then reporting an unpaid bill to XXXX   after the bill was paid in full by my insurance. 

This all began last year after I was admitted to the emergency room for a sudden XXXX event, after which I had to pay several thousands of dollars in medical bills ( which were paid on time and in full ). Several months after this visit, I received threatening calls from CMRE ( e.g., " If you do not call now we will pursue legal action '' ). Much to my surprise, they were trying to collect on a medical bill I had never received. Callers were aggressive, disrespectful, and gave wrong/misleading information in attempts to collect debt ( e.g., multiple notices had been mailed, legal action would be taken if not paid, insurance would not pay for services, etc. ). Worst, after checking with my insurance, it appeared to be linked to overbilling for medical services that were never received. After reporting this to my insurance company ( XXXX ), they began negotiating with CMRE to bring the original bill down and pay the remainder that was due. During this time, CMRE repeatedly called me, telling me to pay in full or else they would take legal action. 

Fortunately, my insurance was able to get them to remove excessive charges and paid the rest of the bill in full ( see attached ). Despite this, CMRE still sent this dispute to XXXX, which results in a derogatory remark and a 22 point drop in my credit score ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/XXXX I received a banking alert that my balance was XXXX cents. I found XXXX fraudulent transactions pending for {$410.00} and XXXX. I called the bank immediately since I had the card so it had been compromised. The bank told me that they could not do anything until the transactions posted, usually 24hrs. They told me they could see they were fraudulent. The transactions did not post on my account the next day as they said. I called again and told me they could not help me. I asked what was going to happen to the direct payments that were coming through and I was told to put money into the account but that I would not have a new ATM card for another 10days. The transactions posted on XX/XX/XXXX. When I called to have them investigate I was told TEN DAYS. I was told that until then I was not entitled to a refund or any other assistance. They would call me once the investigation was over IF they were able to determine the charges were fraudulent. I told them I was left with XXXX cents and I was told that they could see they were fraudulent and they said this is their process. This account is my main checking account where my pay goes every 2 weeks. They took ALL my money so the XXXX cents is all I have. The bank tells me to put money into the account as a solution to this problem. Where am I getting this money? Are n't banks insured for this kind of things?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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  accounts : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, accounts are inaccurate and has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

16 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
US Bank closed my account after a fake loan company deposited a bad check into my savings account in XX/XX/XXXX. I filled out several pages of identity theft paperwork notarized affidavit, name of loan company, phone numbers, etc. US Bank closed my account after that with a charge off due for the bad check amount, ruining my credit score. In XX/XX/XXXX my score was XXXX in XX/XX/XXXX my score plummeted to XXXX. Please help.

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 2016-06-03
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am so desperate I hope you truly are able to help me with this matter that has gotten out of control. I have submitted numerous times a complete modification packet to Caliber and I do not get any help. They always use the wrong income in order to denied me. Caliber has schedule many times a sale date even though my file was under review. I am livid because recently I was denied on XXXX XXXX, 2016 and was advice by Caliber that if I wanted to reapply I can always submit a new packet due to my appeal being denied.Therefore, I submitted a complete packet on XXXX XXXX, 2016 to Caliber. But now Caliber refuses to put my sale date on hold for the reason that my packet was not summit 35 days before my sale date which is for XXXX XXXX, 2016. I explained many times to supervisors that how was I suppose to summit a modification application when my appeal was under review. Literally once my appeal was denied on XXXX XXXX, 2016 Caliber schedule a sale date for XXXX XXXX, 2016. This is not fair what Caliber is doing because I spoke with the foreclosing attorneys XXXX XXXX XXXX and they advice me that they will put my sale date on hold or suspended it but Caliber refuses to submit a request. At this point I am really fed up because Caliber refuses to help me and they just keep prolonging my foreclosure. I can not believe that they schedule a sale date less than 30 days and expected a complete packet 37 days before. Clearly I was set up for failure. They schedule the sale date less than 37 days like they request to postpone and review. This needs to stop and I need to be assisted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is in regards to " Convergent Outsourcing, Inc, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX, WA XXXX Twice I've gotten letters in the mail from this agency stating that " They have been authorized to accept payment of XXXX % of the total amount owed, which is XXXX, in exchange for which XXXX, XXXX will recall your account and cease all collection activity. ) The top of the letter says I owe XXXX dollars. 

After doing some reading on Convergent, this is a scam. 

I was XXXX XXXX XXXX when I broke my contract with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are able to get out of cell phone contracts. 

If XXXX forgot to dot an I or cross a XXXX, that's not my fault, I hav n't used XXXX since XXXX, and I'm just now getting a letter for this? 

Clearly, Convergent is attempting to scam me. I left XXXX with a clean slate, and if XXXX for some reason didn't update something, again, XXXX, I'll provide all the evidence I need that I was XXXX XXXX on a XXXX overseas. 

The Audacity of this company. 
I don't know how they think I owe XXXX Money, but I was able to cancel my contract with XXXX due to leaving for an 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 2020-03-03
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
PayPal credit has continued to contact me regarding a balance even though I have have not used them. In XX/XX/2019 I requested an itemized statement of charges and to date have never received anything. I have not used PayPal credit, did not buy anything from vendor listed who also is out of business and not fielding any inquiries. Bottom line is I did not carry a balance with them and they refuse to help resolve.

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 2015-04-17
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
our mortgage has been sold out to OCWEN LOAN SERVICESAttention : SCRA or ServiceMember XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : ( XXXX ) XXXX has a very strange mortgage services on XXXX/XXXX/2015 we send XXXX payments in XXXX separate transactions XXXX for regular monthly payment of {$2000.00} and a second payment of {$35.00} to be applied to principle. 
then again on XXXX/XXXX/2015 we paid OCWEN {$2000.00} plus another {$13.00} for principal payments. 
in both cases OCWEN did not apply the entire amount to the principal instead they applied it to the following monthly payments of XXXX and XXXX respectively where we asked them to apply the entire extra payment to the principal. Since we did made the regular payments on time and did send the extra payments too we hope Ocwen does the right thing and apply the entire extra payments to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I believe OCWEN Loan Servicing , LLC has committed robo-signing and mortgage document fabrication. In XX/XX/XXXX, I asked OCWEN a simple question " If I sell my house today, how much is the payoff amount ''. OCWEN told me a higher amount and that is when I became suspicious. 
I started to check over my documents and XXXX Office of City Register filed documents. I noticed there has been no assignor since XX/XX/XXXX after INDY MAC bank went bankrupted following the mortgage crisis in XX/XX/XXXX. It looked to me that no one owned the mortgage note and it was n't assigned to anyone. I told OCWEN that the mortgage was n't assigned to anyone and I asked them who is the owner of the mortgage note. XXXX told me that XXXX XXXX owned the mortgage note but when I called XXXX XXXX they told me they are not the owner or not affiliated with OCWEN in any way. So XX/XX/XXXX, OCWEN decided to file an Assignment of Mortgage which I believed is fraudulent. OCWEN, " XXXX '', XXXX XXXX XXXX, XXXX XXXX XXXX all share the same address. " MERS '' assistant secretary XXXX XXXX, who created the Assignment of Mortgage, does she exist. What is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is my 4th complaint about OCWEN mortgage. I figure on the 3rd compliant with your company this would finally resolved the issues. They have decided to raise my escrow account again when my property taxes is less than XXXX a year but want to charge me XXXX a month in escrow for taxes. They was over charging me for years and sent me a refund check for over XXXX in XXXX for their mistakes and now they are starting it over again. My mortgage per the paperwork they sent me was to be XXXX a month but I been paying XXXX. Well last month they raise my mortgage to XXXX which is incorrect and I paid my regular amount of XXXX and now they are showing me late. 
I am at my wits end with this company. I barely understand the representative when I called in due to they are based in another country. They do n't want to assist you just want to make you pay the wrong amount. My bankruptcy is about to be over this month and I feel again they are trying to make me lose my house. I do n't know what to do anymore with this company. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: NJ
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 continues to provide false and misleading verification to credit agencies XXXX, Equifax XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, XXXX XXXX has Violated my rights to share records without my permission. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX XXXX my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have spent over 6 months trying to simply cancel an Experian credit reporting service. They have NO way to do it online, or even options to call them. I had to XXXX the hidden email and phone line to get the proper places to request the cancellation of the monthly approximate {$40.00} fee. I sent a request to cancel by email about 4 months ago with no response. Calling the XXXX number puts you into pre-recorded options does not allow you to reach a representative or cancellation option. I consider this service to be predatory in how they manage this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-09
Company: Capital Accounts, LLC
State: SC
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:
I have asked Capital Accounts, on at least three occasions, to sent me a detailed statement of account which shows : Date of Services Detailed Services Provided Insurance Payments ( XXXX XXXX ) Received My payments received So far, I have not received any of the above information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Movement Mortgage LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX I submitted an application for a Home Mortgage with Movement Mortgage. On XXXX XXXX I was contacted by XXXX XXXX, stating that he received by information and that he was working on my application. On XXXX XXXX I was sent an email from his assistant XXXX XXXX, she requested various sensitive documents from me. In addition, on XX/XX/XXXX, I spoke with XXXX via email regarding my loan, and I advised him when to contact me should he need additional information. XXXX XXXX I received a call from XXXX XXXX, requesting I upload a photo ID. XXXX XXXX I received an email from XXXX requesting documentation, I went to the movement mortgage website uploaded a host of documents, I followed up with XXXX and XXXX XXXX XXXX, XXXX informs me via voicemail that she still needs more documentation ( the same documents I sent her prior ) I emailed her explaining what was sent and what was uploaded on the website. I followed up with XXXX on XX/XX/XXXX, I get a response XXXX XXXX asking for more documentation and for me to send paystubs and another W2 because one wasn't clear. I uploaded all requested documents to the Movement mortgage website, I emailed XXXX on XXXX XXXX for follow up. The only response I got from XXXX was where he copied me in on email to assistant asking if she got written verification forms about my income.This process started over one month ago, unless it was initiated by me, I never received any correspondence updates on the status of my loan. Each time I contacted XXXX or XXXX, they needed more documents. I never received clear communication on status of my application. Therefore I came to the conclusion that Movement mortgage had no intention on ever processing my application approving me for a mortgage. Very sensitive information was sent to this company and they never moved forward with the mortgage approval process.

Company response to consumer: Closed with explanation