BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-03
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My complaint surrounds the illegal execution of a foreclosure sale completed on XXXX XXXX, XXXX. I have requested on multiple occasions for XXXX XXXX XXXX XXXX ( XXXX ), XXXX, located at : XXXX XXXX XXXX, XXXX, CO XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, XXXX. It is a fact, that I did not receive notice from XXXX, nor Ocwen Loan Servicing ( OLS ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
It is also a fact that, I was in constant, consistent contact with XXXX located at OLS, ombudsman 's office during the time of the sale occurring and I was completely blind-sided with both XXXX and OLS illegal actions perpetrated against us which has displaced our family. 
Per Colorado Revised Statue 38-38-101 requires specific documents be filed with the Public Trustee in order to initiate a foreclosure. I have requested case numbers pertaining to these foreclosure filings and XXXX has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of XXXX times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. - Combine Notice from the Public Trustee 's Office We implore your office to investigate this matter immediately, as XXXX which is considered a foreclosure mill purchased from XXXX and XXXX ( Shut/Closed Down ), is in the process of attempting to evict my family at this time. We are forwarding to additional bank regulatory agencies. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: National Credit Systems,Inc.
State: GA
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 submitted a dispute with XXXX for company National Credit System, They received the dispute on XX/XX/2022 and XX/XX/2022. How is it possible to complete an investigation of verified debt without showing proof of how the debt was verified, proof of the original contract agreement, description of the procedures used to determine the accuracy and completeness of the disputed information. I have requested this information from XXXX but they have failed to provide proof of verification of this debt and proof of a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I tried to make my mortgage payment online but it would n't allow me to access any of the links. I tried calling to make my payment and it kept redirecting me to customer service which was closed. I have made all of my mortgage payments online until the above happened XXXX XXXX, XXXX. This is the second time in two years that my mortgage company has fraudulently tried to take my house from me. The first time was in XX/XX/XXXX. They always try to tell me I am behind on my mortgage 4 months but I am not. They come up with {$2500.00} in fees that never show up on my monthly statements. Last time they broke into my house and changed all the locks while I was out of town looking for work. The only replaced the locks and refused to repair the door. I was wondering if this is retaliation for a class action suit for forced insurance. I just want OCWEN to stop trying to steal my home under false pretense. I want to continue to make my payments online without interference from them. I missed XXXX mortgage payment so far XX/XX/XXXX so how can I be 4 months behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: PA
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:
Recently, I did an investigation on my credit report which cause severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report and under 15 U.S code 1681e ( b ) and 15 U.S code 1681 i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-02-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have previously submitted XXXX claims XXXX and XXXX. Wells Fargo has provided incorrect information. Again my mortgage was never XXXX months past due. Wells Fargo put me on a modification while I was in bankrupcy and did not disclose that they borrowed money from HUD.. Wells Fargo needs to provide a detail payment history of that loan up until the payoff date. I will continue to pursue all parties involved for their negligence in this matter from XXXX XXXX who was the attorney who conducted the title search, Wells Fargo, and HUD. This has cause an incovience for XXXX years to my family and myself.

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 2021-07-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
TD Bank decided to close the banking relationship but refuses to release my funds even though I have more money than the hold is for. The account has been in hold status since XX/XX/26. They refuse to release any funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-27
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was checking my credit and saw it decrease drastically and there was an account in collections claiming I took an ambulance to the hospital. I called and sent them a dispute after I was informed that was the thing to do. After a month passed, AFTER I 've mailed and faxed my dispute letter, Kansas Counselors , Inc are still stating they have n't received my dispute letter. I mailed and faxed the copy with the information they gave me. I 'm pretty much at a standstill on what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Goldman Sachs/Apple XXXX says that they report the status of all accounts once per month in the third week. But, this is not true. Sometimes the status/balance is reported in the third week, sometimes the data is updated after my payment due date on the XXXX of the month. In either event Goldman Sachs will not give a precise date on which the account status is reported to the credit bureaus. 

It's impossible to monitor my credit and manage my finances without a specific STATEMENT CLOSING DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: CASHCALL, INC.
State: MN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan with XXXX XXXX / Cashcall.com / XXXX XXXX XXXX. These companies are currently under investigation by the CFPB as well as being sued by the Attorney General of my state ( MN ) as illegal loans. 

The original principal was repaid several times over, yet this company continues to sent me collection notices. 

I have stopped paying and blocked this company from being able to make automatic withdraws from my bank account. They have reported a delinquent status to XXXX credit reporting agency. 

I request to have documentation that states these loans are illegal, that I have paid the principal on the loan, and that XXXX should immediately delete this record or show paid in full. 

CFPB assistance greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I do n't know where to turn. Ocwen has a class action suit levied against them and is forced to pay some homeowners money back. My issue seems pretty simple. Ocwen acquired my XXXX mortgage when XXXX/GMAC declared bankruptcy years ago. I declared bankruptcy near the same time, but I signed a letter of intent for both of my mortgages with XXXX/GMAC at the time ( 1st ended up with XXXX which is almost as bad, XXXX with Ocwen ) and my payments have been current since XXXX/GMAC modified my loan long before either BK - that is after the initial mixup many have found with Ocwen where I follow their instructions to change the payment from my bank account, it was lost, I changed it back to the old " Pay To '' and problem apparently solved since they 've taken my money ever since. Both mortgages are still showing on my credit report as negative because they show closed/discharged in BK. Neither servicer will take responsibility to correct the erroneous credit reporting. Why is this an issue? Because I want to refinance with someone, ANYONE else but the negative marks make me less than a favorable choice for any kind of loan. How are they getting away with this? How do we the consumers fix it?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX I brought the house in XXXX 2006 on XXXX XXXX XXXX XXXX XXXX XXXX. 2 weeks later got laid off from XXXX XXXX XXXX as a XXXX a {$70000.00} a year job had Impeccable credit, could n't find a job back in my field do to the housing market. I found work in the XXXX 21/2 years later hired XXXX XXXX XXXX for bankruptcy, XXXX XXXX found a lot of Illegal Discrepancies in my mortgage papers the house should of never been sold to me the house was n't sell ready with proper paperwork knowing that the Title & Deed was n't the legal paperwork. They had NO Title or Deed, XXXX XXXX told us not to pay Ocwen because they did n't have the right paperwork to service the loan. We heard about the XXXX program to get refinance for our home turned in all the paperwork they told us that they ( Ocwen ) lost our paperwork several times, XXXX yrs. later XXXX XXXX called us for another appt.to talk about our case we were told that the statue of limitations is coming up and after that date he asked us what we wanted to do sit and wait to see if they come up with some kind of settlement for us to refinance our house if they do n't come up with any settlement and Proper Deed & Title in the amount of time as allowed that they ca n't touch the house legal..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Mortgage with GMAC XX/XX/XXXX maturity date XX/XX/XXXXXXXXXXXX @ month, never refinanced or modified. Sold to ocwen XX/XX/XXXX and ocwen nchanged the maturity date to XXXX, also was showing XXXX different bals on the statements, pretaning to principal and interest, requested the original note three times and received other material.breaking the law? I have all documents.they said it was a mistake, but never corrected it. Had to withdraw savings, and pay it off.never received the original

Company response to consumer: Closed
Consumer complaint received 2015-09-25
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I wrote to Ocwen Loan Servicing , LLC about the discrepancies with my mortgage billing statements. I De-Estrowed my property taxes from my mortgage XX/XX/XXXX so I 've been paying my property taxes myself and my taxes are paid current but, from XX/XX/XXXX through XX/XX/XXXX the problem is what I do n't understand why I have been billed for Escrow in the of $ XXXX cents and past due fees/other charges for {$5.00} dollars per month also, negative Escrow amounts $ XXXX dollars for XX/XX/XXXX, and XX/XX/XXXX a negative $ XXXX dollars, and {$35.00} dollars for XXXX months. I just reviewed my statement for XX/XX/XXXX there is that {$35.00} Escrow charge to my account. I 've sent them copies of my paid property tax statements. According to the letter they forwarded me dated XX/XX/XXXX they said that the information I provided does not indicate that I have a refund due. I think they owe me a refund. I ca n't seem to get these Representative at Ocwen do n't seem to understand what I 'm telling them it 's very frustrating I need someone to help me resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Big Picture Loans, LLC
State: MS
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Big Picture Loans charged me a total of {$1900.00}. When I first accepted this loan it was for {$800.00}. They stated in my paperwork that my pay back amount would be {$1000.00}. I did n't think that was to bad so I agreed. After they begin taking {$280.00} from my account every two weeks. I was half way done paying the loan when they called me and said I needed to make more arrangements so they could get {$1300.00}. I told the Rep. that was not correct. That is when I learned about these other fees they had put on me. I knew that was not because I would have never agreed to those terms. I did not think there was anything that I could do until I saw a story that sounded a lot like mine. It included the website listed above. In fact Big Picture Loans charged me 780.03 % -788.62 % interest. Application # XXXX. Application Date XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XX/XX/XXXX working with XXXX XXXX ( XXXX @ XXXX ), my realtor, secured a contract to sell my home ( XXXX XXXX XXXX, XXXX, VA ). The contract was that the buyers would assume the current VA loan@ 2.5 % with Freedom Mortgage. Immediately, XXXX contacted Freedom Mortgage about the assumption process. He was told that it would take 30 days. On subsitant calls he continued to get conflicting information which finally being told that the process could take anywhere up to 90 days. 
Throughout this process, Freedom Mortgage dragged the process along until finally we were able to close on XXXX XXXX XXXX  with the Buyers closing on XXXX XX/XX/XXXX. We were told at closing that funds would be distributed up on filing the papers on Monday, XXXX XX/XX/XXXX. 
Here we are, on XXXX XX/XX/XXXX and still Freedom has not completed signing all the required papers. Both my realtor and the Title Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have tried on numerous occasions through phone calls and emails since Wed and have not received any responses. 
Freedom Mortgage has been unprofessional through this process. We were lucky to have a buyer who stuck with it. 

Really need help getting Freedom Mortgage to sign off on the settlement since to our knowledge, it should have been completed before both sides signed. Freedom Mortgage has caused an unnecssary delay with regards to recording in court and funding. On XXXX XX/XX/XXXX working with XXXX XXXX ( XXXX @ XXXX ), my realtor, secured a contract to sell my home ( XXXX XXXX XXXX, XXXX, XXXX  ). The contract was that the buyers would assume the current VA loan@ 2.5 % with Freedom Mortgage. Immediately, XXXX contacted Freedom Mortgage about the assumption process. He was told that it would take 30 days. On subsitant calls he continued to get conflicting information which finally being told that the process could take anywhere up to 90 days. 
Throughout this process, Freedom Mortgage dragged the process along until finally we were able to close on XXXX XX/XX/XXXX with the Buyers closing on XXXX XX/XX/XXXX. We were told at closing that funds would be distributed up on filing the papers on Monday, XXXX XX/XX/XXXX. 
Here we are, on XXXX XX/XX/XXXX and still Freedom has not completed signing all the required papers. Both my realtor and the Title Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have tried on numerous occasions through phone calls and emails since Wed and have not received any responses. 
Freedom Mortgage has been unprofessional through this process. We were lucky to have a buyer who stuck with it. 

We need help to get Freedom Mortgage to sign off on the settlement since to our knowledge it should have been completed before both sides signed. Freedom Mortgage has caused an unnecessary delay with regards to recording in court and funding. 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 2016-06-23
Company: Niagara Capital Recovery LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They call me and threaten me with service of process and that I need to be present to receive service of process. there is no case in XXXX XXXX filed against me and this is deceptive and fraudulent. They do n't tell me what the debt is for and they never tell me the name of their company or read me the mini miranda.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: HYUNDAI CAPITAL AMERICA
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 status incorrect

Complaint:
Got an alert that Hyundai motor finance opened an account. I did not authorize. My old account should be reporting XXXX. 
Misuse of credit card, continued reporting on XXXX account. Keeps reporting old info for purposes of extortionate means. Credit bureaus are reporting inaccurate information. 
Account XXXX lawfully on XX/XX/XXXX. 
By payment in full. 

Keeps reporting billing errors under 12 CFR 1026.13. Collected payments for 3 years on a account that had a finance charge. I asked company to cease and desist for the first time in XX/XX/XXXX. 
Company is blatantly trying to extort funds by negatively reporting on my report. I have seemed remedy with the company several times. 
Company did not default account per new cfpb investigation and I feel that I am party to that complaint. Company stole vehicle and sold vehicle, after collecting the full finance charge, did not disclose the details of the contract. Failed in fiduciary duty to protect the beneficiary. Used beneficiary signature to receive credit, and then collected federal reserve notes, under a alleged car loan. Can not lend money under 42 USC 408. Is purporting that I owe them on a " loan ''

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 2015-06-16
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call from XXXX saying I owe money on a bail bond. I told him I have n't taken out any bail bonds. He gave me an address ( it was wrong ). He then asked me for my birthdate. I said I would n't provide. He made some snide comment about sending me a birthday card and then told me I 'm not cooperating and hung up. I 've tried to call back but no XXXX answers. I do n't know if this was scam or not, and I ca n't get anymore information since they wo n't pick up the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation