BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-03
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Attached please find all my supporting documents of regular payments, ON TIME, and the escrows accounts in question. I have been trying to rectify this situation by calling the phone number furnished on the Ocwen document, XXXX. I have spoken numerous times before I started to take names and employee ID 's. Those names are as follows ; XXXX # XXXX XXXX # XXXX and their supervisor XXXX # XXXX. I requested a supervisor when I was not getting a comprehensive answer to any of my questions and concerns. I also kept giving my cell phone number when speaking to them and asked for the information they have on file to be changed. That never happened even when XXXX said, " I will email my supervisor and give him that information to return your call '' only then did I get a call back because I told them that I had to get a lawyer involved. When XXXX did call me back it was on my HOME phone number which I specifically asked them NOT to call me on, just the number I gave XXXX and XXXX. When I asked XXXX why he called me on that number he just said, " Sorry ''. Really? Am I supposed to have faith that the people in charge of my mortgage will do it right when they can not even get a proper phone number? I had asked him to explain the shortage and he tried to tell me that it was from XX/XX/XXXX. I keep all the paid bills and cancelled checks along with my balanced check books regularly. As you can see I keep accurate records of all my mortgage and tax bills along with my homeowners insurance. When I asked XXXX to fax my lawyer over the documents requested he tried to tell me that he would email to me. I had told him that it was too late because now my lawyer would like to look them over. As of today, XX/XX/XXXX, my lawyer has not received anything from Ocwen. I find this a disgrace of the company and complete disregard for a loyal customer. I told XXXX that I will pay the amount that was previously billed and that if Ocwen wanted to increase that amount that they would have to provide me with evidence of such an increase. 
I had no choice but to file a complaint against Ocwen and their employees because of such disregard and incompetence. I have an outstanding line of credit and it will NOT be ruined by a mortgage company that can not do their job correctly. I am OUTRAGED to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have ocwen.they have been XXXX with me for years.my interest rate is over 10 % .every time I ask to talk to someone I get a person I cant understand.now and and not not for the first time they r saying I did not make payments and I did.i send what they ask and hear nothing till they say I have to do it all over again.they have XXXX up m my credit so I cant get any any one else to take me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have just received a foreclosure notice from Ocwen LLC they have not honored the loan modification took all my payments, did not apply them extended my loan to XXXX months and have told me repeatedly that it was being " taken '' care of but the modification department needed time to review everything and that it takes time. They went from " we are on your side '' to " sucks for you '' my Loan was at XXXX and despite payments they have increased it by XXXX to XXXX and not applied XXXX penny to the account, in addition I sent them proof of every payment made and cleared and they have not updated their system. I have at least XXXX equity in my property, they are basically trying yo steal it from me. They have made me complete at min, of XXXX loan modifications, because they messed up the paper work, giving different amounts to be paid, some as small as XXXX they sent me paper work for a payment of XXXX each month to XXXX then would not cash my check and returned it to me because they mad an error and the new amount was XXXX. A XXXX dollar difference. I have complained to XXXX and Ca department XXXX oversight and they have done NOTHING! I have ALL documentation and correspondence. I have bank records and even had XXXX bank call with me and they are not acknowledging my PROOF of payments and could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is a student loan with XXXX that is showing a balance of {$67000.00} in collections on my Experian credit report. This loan belongs to my daughter and her account is in good standing. There is no longer a balance on this account or in negative standings. I have disputed this account numerous times and Experian refuses to make any changes on the account. XXXX and XXXX has deleted the account from my report, but it seems that no matter how much I dispute the account Experian does not want to cooperate with my requests and re-investigate the item to have the erroneous and inaccurate information removed.. So I am filing this complaint hoping that I do not have to seek legal counsel.

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 2016-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a foreclosure on XXXX 2013 with XXXX XXXX. That account is still open on my credit report and XXXX XXXX is now bankrupt.

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 2017-01-28
Company: First Associates Loan Servicing LLC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have attempted to contact Peaks Private Loan over the years. They have wanted me to pay {$350.00} a month which I could not afford and the time and I still can not as I have XXXX other loans that I am trying to pay back to the best of my ability. At first they told me that they are not able to decrease my monthly payment. As time when on I was told that nothing can be done now as I owe a {$5000.00} Balance to bring the loan current. Last time I reached out to them they said that there was nothing that they can do because that private loan was sent to a collections agency. I have looked back into this from the paperwork I have. I have never signed for this loan it appears that XXXX took it out with out telling me that it would be a separate loan from my Federal Loan. The few sheets of paperwork that I have show that the money was sent directly to XXXX XXXX XXXX and not for my classes that I took. I was never sent paper work stating what Classes that the loan paid for. I also have my Federal Loan that shows that it paid for all of my classes except for 2 semesters that a XXXX {$10000.00} loan was taken out that was informed about. I believe that I am a victim of an XXXX Fraud Scandal, I remember signing for and giving permission for my federal loan and the {$10000.00} loan for when I was not able to get finical aid but I have never and would never sign a {$40000.00} private student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
After being unemployed and seeking assistance forced place insurance placed on property spent over {$850.00} to purchase windsto insurance. Ocwen will not adjust the mortgage payment to reflect insurance. I have been promised that they will spoke to supervisor who said it was done to pay {$840.00} instead of {$1400.00} now they have a late fee. I am not late they know I have insurance XXXX lower the monthly amount. I have gotten lies and runaround for a while. Help property address XXXX XXXX XXXX XXXX. XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During the " Mortgage banking scam years '' we took out a mortgage on our current home - this going back close to 14 years ago. Since then we 've had several mortgage serving companies and as we did research, we discovered they are defunct now or they are somehow affiliated to each other - ie. stock holdings. Each time the servicing company was changed ( not by our doing ), we were hit with fees and the like. There have been 4 or 5 companies in 14 years. 
We have been in Federal Court for almost two years ( XXXX et. al, v. XXXX XXXX Mortgage ). We joined the class action ( almost two years ago ) being represented by the XXXX XXXX XXXX ( XXXX, FL ). Months later, the XXXX was shut down for fraudulent dealings by the XXXX 's office in FL. and CT. 
Filing pro se, my wife and I ( Federal Court recommended we do so ) filed an amended complaint. We contacted several NJ-based mortgage attorneys but were turned down due to the XXXX mess and ( candidly stated ) not enough money involved. With the original filing possibly being dismissed, we filed the amended complaint citing ( seemingly collusive ) fraud and later supported it with the governing laws that applied. This was indeed difficult to navigate since as pro se filers, our knowledge is limited and the research massive. 
The case is still in Federal Court ( Civ. # XXXX ) here in New Jersey. The amended complaint cites XXXX XXXX, Ocwen Loan Servicing, XXXX XXXX Mortgage and other financial institutions. 
The original XXXX complaint is still not dismissed thankfully due to our amended complaint 's stance and filing. To our knowledge, my wife and I are the only ones still continuing this case - the other XXXX have not responded to the Court 's repeated attempts to contact them directly. 
There are over XXXX families involved here which the XXXX XXXX XXXX bilked out of hundreds of thousands of dollars. The XXXX 's office in FL. assigned a Receiver and so far from online docs, the Receiver has recovered only {$1000.00}. XXXX XXXX XXXX is now the " XXXX XXXX for XXXX XXXX XXXX XXXX, XXXX '' - XXXX-based as was the XXXX XXXX XXXX. He seems to have lost his legal standing but somehow not fully accountable for defrauding so many people - the joined the original class action. 
We understand why the others have not continued with their complaint. We alone are approaching two years, several court hearings, facing a battery of law firms and no one to represent us. This is an uphill battle and one worth pursuing. 
We commend the Federal Court for their ongoing openness and civility. The Court has been extremely lenient with our pro se filed amended complaint and when it is finally put to rest, we hope our complaint will be decreed in our favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX 2016 I got a collection notice from AFNI, responded back on XXXX XXXX, 2016 and another response On XXXX XXXX 2016 stating that i did not owe the XXXX I told them they need to validate the debt with the original debtor XXXX XXXX XXXX uverse because XXXX of the debt was for equipment that i returned via XXXX. I sent them the return receipt of the equipment and a proof of delivery, I called them I told them I would pay the XXXX from the XXXX told me they would get back with me and while i was waiting the reported the full amount to the credit Bureau 's So i called them back and they told me that XXXX XXXX XXXX XXXX never received the equipment, and I have sent them proof the equipment has been returned by a Proof of Delivery from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: AFNI INC.
State: OR
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:
A company by the name of AFNI has reported a collection debt on my credit report as in collection, but has made no attempt to contact me either by phone or mail so this debt can be settled

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AFNI COLLECTION AGENCY they send me bill home withe incorrect info, they r claming i owe XXXX monney, i contact them to provide prove to me withe incoming and outgoing calls they r made from thet XXXX number they refuse to do so, i contact XXXX i ask them same question they toll me we dont have any account, i call back afni ask them agian for prove to send me home they only thing is they threating me with law suit and pay as the monney and do not send any affidavit to any goverment agencys they tell me i dont have right to do thet only think and right i have acording to this colection agency is pay monney thet i dont owe any XXXX to them or att, please help me to resolve this issue withe this AFNI collection agency and att ask them to provide prove to you withe any phone calls thet wose made from the phone they r claimg i opend in 2012 i never have any service withe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I was charged XXXX by XXXX. I had canceled my membership well before the renewal period in XX/XX/XXXX. I went into Regions Bank on XX/XX/XXXX to dispute this transaction and provided them with the cancelation number as I had not received a refund back from XXXX. On XX/XX/XXXX I received a letter form Regions stating that my claim was denied. the letter sated that my claim shows I cancelled after the transaction date! WHAT! I told Rgions this was straight up fraud by XXXX. I never authorized XXXX to charge my card and I revoked my authorization for them to renew my membership. I have tried to resolve this with XXXX and Regions and have not been able to. This charge is straight up fraud by 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 monetary relief
Consumer complaint received 2015-06-18
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Several calls and voice messages were left at my residence attempting to collect debt that I do not have knowledge. I have informed them that the debtor was a different person having similar name to myself and my spouse. I have validated my address and date of birth, and yet the collection agency continue to leave voice messages which are disturbing and offensive, considering to the playback heard by my family. They confirmed that it was a different person, however, the calls did not stop. I requested for a written correspondence from the collection agency that they were attempting to collect a debt from a different person bearing my name. However, they declined to grant my request. 

I am bothered that this is a case of mistaken identity and my personally identifiable information has been compromised or sold elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: AFNI INC.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter trying to collect {$210.00} for XXXX XXXX services. Letter was sent to my address, but addressed to someone else. 
I have n't had XXXX XXXX for over 15 years, and when I contacted their customer service, they told me the account number in the letter does n't match my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I received the complaint the response from the Regions Bank with complaint # XXXX whereas the bank did not answer the question about them charging overdraft the same day the overdraft occurred. Because of this situation, I have no alternative but to find another bank. I do n't want to be associated with Regions bank whereas they think only about themselves and not their custom. I am in the processing of changing bank because I was originally with XXXX was a better bank. Regions did not address my concerns. I want the company that oversees banks to see if Regions was violating the laws by putting through the overdraft the same day that the check came through. This was not the case. This is done if you have their overdraft protection. Please have the agency that oversees the bank look into this matter. The response that the bank submitted did not answer my complaint.

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 2015-04-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I filed a dispute concerning XXXX XXXX. When I did n't get the response I expected I filed a report with CFPB. I received a letter from XXXX XXXX stating that " XXXX XXXX reported your account to the credit reporting agencies as a " Satisfactory Account- Closed at Consumer 's Request '' in XX/XX/XXXX. In XXXX and XX/XX/XXXX, your account was reported as " 30 days past due '' and " 60 days past due '' respectively. However, upon the closing of the billing dispute noted above, your account has been re-aged. The delinquencies have been removed and your account will report as current for XXXX XX/XX/XXXX with the next reporting of your account. We regret any frustration you may haveexperienced as a result of this situation. The issue regarding the credit has been escalated to the appropriate team for further research. " I called Experian and asked why my account has n't been re-aged and why they reported the Account closed as of XXXX, not XXXX. I stated that I attached the letter from XXXX XXXX. XXXX from Experian explained that the Account # XXXX XXXX reports is different than the Credit Card Account #. XXXX said that they will send the letter to XXXX XXXX to verify. 

Why was n't the letter sent to me by XXXX XXXX verified before completing the dispute? I would like this issued resolved as it seems to be lingering on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit bureau refuses to remove fraudulent information after receiving a FTC Fraud Affidavit.

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 2015-04-30
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Northwest Colletors is reporting a non paid red light ticket XXXX. This is not consumer debt and should not be reported on my credit bureau. These tickets are not mine. Another individual was driving my car and I was not in the car at the time of the occurrences. I was told I am responsible when someone else is driving my car. 
I have called both the credit bureaus and the collection agencies. They said they can do this. This is not consumer debt these are fines. Traffic Violations are not reported to credit bureaus. Therefore all of these fines which are not mine should not be reporting on my credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked my credit reports and viewed that AFNI, Inc. placed another collection record on my credit report. On or about XXXX XXXX, 2016 I filed a complaint with the Consumer Financial Protection Bureau ( Case # XXXX ). On or about XXXX XXXX, 2016 AFNI responded to my complaint by stating they will cease communication and that AFNI, Inc. does not own my account. The amount that AFNI, Inc. wanted me to pay was {$550.00}. In reference to the recent actions of AFNI Inc. placing another collection record on my credit report which is damaging my credit worthiness and credit score stating that I owe {$220.00}. AFNI, Inc. knowingly and willingly violated the Fair Debt Collection Practices Act ( FDCPA ) & The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation