BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-11
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE HAD HEALTH ISSUES SINCE XX/XX/XXXX. I GOT OUT OF XXXX. I WAS TAKEN TO XXXX XXXX XXXX IN XXXX, CO. I UNDER WENT XXXX. WAS DISMISSED, THEN WENT FOR ANOTHER CHECK-UP BECAUSE HAD BEEN XXXX. THE XXXX TOLD ME THAT I WAS NOT HEALING ON THE INSIDE. SO XX/XX/XXXX I HAD ANOTHER XXXX. MY HUSBAND GOT LAID OFF IN XX/XX/XXXX AND HAS NOT BEEN CALLED BACK. I FELL SO BEHIND ON MY MORTGAGE PAYMENTS THE REASON IS NO INCOME. SO I CALLED XXXX TO LET THEM KNOW WHAT WAS GOING ON THEY SEND ME A LOAN MODIFICATION PACKAGE. I GOT THAT DONE JUST SO THEY COULD TELL ME THEY DO NOT DO MODIFICATIONS. I ASKED IF IT WAS POSSIBLE TO SEND AT LEAST XXXX PAYMENTS THEY SAID NO THAT IT HAD TO BE PAYMENT IN FULL. SO THEY ASSIGNED A CASE MANAGER TO ME XXXX XXXX. THIS IS THE XXXX TIME I HAVE DONE A MODIFICATION AND BEEN TURNED. DOWN. I 'M PRETTY SURE THEY DO MODIFICATIONS. I LOOKED ON LINE AND THEY HAVE THE WORST REVIEWS THAT SCARES ME.I WANT TO KEEP MY HOUSE.THEY HAVE ALREADY PUT A FORECLOSURE ON MY CREDIT REPORTS. I PRAY THAT I GET THE HELP I NEED TO KEEP MY HOUSE. I HAVE REQUESTED A NPV, WATERFALL ANALYSIS AND REQUESTED A ESCALATION FOR MAIN SUPERVISOR HAVE NOT HAD ANY RESPONSE FROM THEM. I HAVE A TEAM OF LAWYERS HELPING ME IN MY SITUATION.ABOUT A WEEK AGO OCWEN CALLED ME TO TELL ME THEY HAVE A SALE DATE FOR XX/XX/XXXX.THEY PUT A FORECLOSURE ON MY CREDIT REPORTS BEFORE I KNEW ABOUT ANY SALE DATE. I THINK THEY SHOULD OF LET ME KNOW BEFORE REPORTING IT TO THE CREDIT BUREAUS. I HOPE I CAN GET SOME HELP. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
After discharge of a chapter XXXX bankruptcy, where the XXXX lien was stripped by the court, due to the declined value of the property, the XXXX lien holder filed a motion ( subsequently granted by the judge ) to re-open the bankruptcy as they felt they had not been notified of the intent to strip the lien. This in all likelihood was due to the XXXX lienholder failing to record the lien timely. However, i was not notified by the XXXX lienholder attorney that a motion was filed. The mortgage company never notified me of any issues, the mortgage company 's counsel never served me, I found out about the motion through the title company while trying to close the sale of my house. The sale has now fallen through due to issues with a clear title, so now i have not only lost the sale, but am also responsible for the buyers appraisal and inspection fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: AZ
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 been disputing accounts with the bureaus for some months now and have not received any letters or results. I have inaccurate items on my credit file, including past the statue debt. It's been a few months and I haven't received anything in the mail, email or received any correspondence. I know that Covid is causing a delay in everything but I would appreciate if this was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX- 1st car loan- in accident in 2015. Car was towed. Impound yard tried to charge $ XXXX for storage. They sold the car at auction. Had no options to resolve matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, we went to the Wells Fargo ATM machine located on XXXX XXXX XXXX of XXXX, and attempted to withdrawal {$700.00} from my checking account. The account was debited, and no cash came out. I tried to resolve with Wells Fargo bank by escalating this issue. My account now has only {$300.00} and the amount that was deducted from my account of {$700.00} was not returned to my account. The screen shows no cash is available at this machine. I took a picture of the ATM machine and called Wells Fargo bank and they won't credit my account. Now I'm out of {$700.00}. The problem is that I need the cash. The issue allegedly can not be resolved for 10 days. The bank has taken my account XXXX and I am unable to access my fund as the balance was deducted {$700.00}. The Wells Fargo bank refused to assist me other than stating that it'll take XXXX to 10 days to investigate. This is robbery. I'm outraged.

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 2016-05-21
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the second complaint I have placed. The first has went without a response. I am in the middle of a current Chapter XXXX. I am 2 years in. My mortgage is with Ocwen Loan Servicing LLC . A few months ago Ocwen started returning my mortgage payments. I called Ocwen only to be told I no longer owned my home and it had been foreclosed on. ( It has not ) Ocwen is accepting my Chapter XXXX payments. I have asked to speak to a manager at Ocwen and they refuse to speak with me. Again, I make payments monthly thru chapter XXXX and make my payments to Ocwen every month. Today my wife and young daughter were home alone and XXXX men came to the door. They stated they were from the bank. They dug thru my garage. They tried to break into to my home. My wife asked them to leave and they refused. They terrified my family. They stated the home was lender owned. IT IS NOT. It has never even been foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent XXXX XXXX a goodwill letter to ask to have account removed from XXXX credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed XX/XX/2020.

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 2016-04-07
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had XXXX as my mortgage company and made payments ot them and only some of the payments were submitted to principal and the rest was held in an account so that it did n't go to principal. The interest was paid and then a small amount of principal. Call regarding this sent a complaint to XXXX XXXX but nothing ever happened. The company is terrible and took from people when setting up the mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: MD
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 sent XXXX XXXX a goodwill letter to ask to have account removed from XXXX credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wells Fargo Bank uses an automated phone system to dial every number on an account. They will non-stop if the system shows a debt owed. This is not a normal phone call. The phone calls come at all hours of the day, and if you pick up it hangs up immediately. It never leaves a voicemail. These phone calls, while illegal, are also only a result of chronic problem with Wells Fargo. They never updated my street address, routed payments to the wrong account, and refused to acknowledge the issue resulting in a faulty past due balance on a loan. There is gross negligence going on in the operations department of student loan servicing at Wells Fargo. By the sound of it even the customer service rep had no idea that the phone calls were of such an abusive nature.

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 2021-04-01
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today I've received a notice saying that a debt is owed to XXXX. I've only had XXXX XXXX XXXX and XXXX. I only have XXXX currently and my bill is up to date. So where is this coming from when XXXX was never on my credit report? 

If they are claiming I owe {$1400.00} I need the following items MAILED to me immediately : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

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 2016-07-05
Company: Duncan Solutions, lnc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Hello, I am writing because the agency Professional Account Management is attempting to collect the wrong amount and also indicated that I committed a crime by not paying debt. I received XXXX " Notice of assignment to collection agency '' for XXXX unpaid citations. The unpaid citations are ticket number XXXX and XXXX with the XXXX DMV, which I contested well within 30 days ( I filed within & lt ; 10 days ) via the online ticket adjudication system, with reference number XXXX. I am contesting the tickets because I believe that they ticketed and towed my car without cause because there was no signage that I violated any parking laws. I submitted photos and documentation at the time of my claim. I have never received any further communication, either from the DMV or from the ticket adjudication system. However, my citations were sent to collections, although the XXXX DMV website says explicitly ( XXXX ) that " If you want to contest a ticket, do not pay the fine and/or penalty. You can not contest a ticket once you have paid the fine and/or penalty. '' The notice I received however says that Professional Account Management is collecting on my " debt '' although I have not received any confirmation from the XXXX DMV about the final result of my adjudication. I contacted Professional Account Management to resolve this issue but they directed me to the XXXX DMV. I also contacted the XXXX DMV multiple times without result. Also, I monitor my credit score frequently ( more than 3 times/week basis ) and my credit score has dropped over XXXX points ; I believe that as a result of my collections being reported to the credit agencies unfairly that this resulted in both the change in my credit score and a denial for a credit card application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Comenity Capital Bank in XXXX Ohio had closed my account long ago. I finally paid the account off in XXXX 2017. They have no grace period, and it takes several days for a payment to post to my bank. I was not notified that they had charged me a late fee of {$25.00}. Since then they have continued to charge excessive fees and I was just recently emailed I owed {$89.00} when the count was paid off and already closed. They have reported negative information on my and my co-signors credit reports despite the account being paid off and closed. I want the charges removed because if an account was already closed and then paid off no other fees should have ever been charged. They refuse to reverse the charges and to correct the credit reports which is damaging my and my co-signors credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Thunderbird Collection Agency is contacting me thru my work number during work hours. This collection debt they are demanding payment for has been discharged through bankruptcy. Besides the debt is my daughter, which was a minor at the time of service and they are trying to now contact her for payment as well. They are harassing her at her place of work and contacting her biological father at his place of work. This company is and their so called " mangers '' are mean, demanding and unpleasant. They do n't let you ask any questions about what they are calling about. They demand payment immediately or credit will be destroyed. They also have my phone number tied up with family member accounts. They are n't even my accounts that they are demanding payment for. They are sharing my information of where I work along to other family members of mine which I DO NOT want them to have. I do not want others to know where I work or my work number. I do not want my daughters work numbers given out to others or our medical bills discussed with just anyone that they can get a hold of on the phone that they think will either pay or give out more information to use against me to pay a debt that has been charged off. Also, we did n't just file bankruptcy and walk away from everything. Our bankruptcy was a merely {$37000.00} and we have paid back and still are through our attorney almost {$14000.00}. We did n't just walk away, we do n't deserve to be harassed at our place of work. We 're trying to make money to pay our bills not be harassed by this company just to lose our jobs for their relentless, mean and vicious phone calls. This is unthinkable behavior. They are all liars when we call them back to try and get some answers or try to discuss the situation with them. They either yell and demand payment or just hang up on us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2014, we paid {$2100.00} on Ocwen 's website. This payment was deducted from our checking account on XXXX/XXXX/2014. We also signed up for automatic withdrawal to start on XXXX/XXXX/2014. 

On XXXX/XXXX/2014, an unauthorized withdrawal of {$2100.00} was made by Ocwen from our checking account. This caused our account to be overdrawn and charged a {$35.00} fee. After contacting Ocwen they reversed their mistake by redepositing {$2100.00} back into our account. 

On XXXX/XXXX/2014, Ocwen made another unauthorized withdrawal for {$2100.00}. After contacting Ocwen, we were sent a check for {$2100.00} which we received. 

Since then, despite giving Ocwen all the documentation from our bank they have asked for, Ocwen has been unable to locate or acknowledge they have {$2100.00} which was our original XXXX 2014 payment.

Company response to consumer: Closed
Consumer complaint received 2016-06-25
Company: AFNI INC.
State: CT
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:
collection agency -afni -amount XXXX -this goes back to 2015 -the company is XXXX -i cancelled them in XXXX 2015 -owing them nothing -in XXXX 2015 i recieved a letter stating, that they terminating my service due to none payment -this the XXXX collection agency -all i wanted is an itemized biil -which no one can prvide me -if they did and i felt i owe this, id have pad this by know -but instead they chose to report me to the credit reporting agencies - this time its XXXX - maybe you can forward tis to themm, and advise of further actions i can take against afni - thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We paid off our loan and the bank says that they mailed our title to and old address. The bank stated that we did not update the new address information in time to get the title mailed to the correct address. We did receive a letter congratulating us that we had paid off our loan to the correct address. I mailed the payoff check to the bank 2 days before we checked to make sure the address was right. So obviously the postal service runs really fast or Citizens Bank 's systems do n't work as well as they should. We have called several times with no single person having any real knowledge of what 's going on. We have had the worst customer service I 've ever had. I seriously believe that Citizen 's Bank hires the people that the cable company would n't hire for customer service. I contacted the person that now lives at the old address and they have not received anything from Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX, XXXX and her law firm, XXXX XXXX XXXX are attempting to sue for " legal fees '' they claim where accrued while trying to collect on a debt for plaintiff, XXXX XXXX ( XXXX ). Originally, the debt went to collections in XX/XX/XXXX and was bought/transferred by several different agencies and attorneys over the years. XXXX purchased/acquired the debt recently from the Moore Law Group, and is now suing for legal fees, they say were ratcheted up while representing XXXX. XXXX did NOT hire Moore Group, according to the conversation I had with an XXXX representation, soem time ago. Neither firm is the original collector. XXXX recently subpoenaed my bank statements on XXXX/XXXX/XXXX in an effort to move forward on the phony suit. Her office is using predatory practices to obtain money from those who fell behind on their bills and found themselves in debt, years ago, when the economy fell. The debt is over 7 years old and the statute of limitations have passed for this debt. They have no right to collect on any fees and did not represent XXXX in any fashion.

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 2021-04-02
Company: American Credit Acceptance, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American Credit Acceptance account # XXXX is reporting inaccurate information to the credit bureaus. After reviewing my account I see that the account has been re age. According to the report with XXXX they have my first day of delinquency in XXXX of XXXX, and have a time to be remove from my report on XX/XX/XXXX. XXXX  and XXXX  has my acct show to be the first day of delinquency XX/XX/XXXX. This is truly inaccurate. XXXX has my account to that it will be on my account until XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation