BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-24
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mort. company OCWEN ( crooks ) who took over for HOMEWARD RESIDENTIAL ( crooks ) who took over for XXXX BANK ( crooks ) who took over for XXXX ( crooks ) who took over for XXXX ( crooks ) I 'm not sure if I have them in perfect order but they are or were all crooks -- -- out to screw the consumer -- -- -the newest way is to ABUSE electronic check cashing on seniors or anyone who has been forced to use automatic deposit for SS- XXXX SSI- or pensions ... .OCWEN my current mort co. will start calling to harrass you if they dont get my payment on the XXXX of the month..the same day my ss and pension check gets auto deposited ... if i send the check to early they electronic cash it witch could cause over draft fees and if I send it to late I could get late fees -- -- I believe I should be able to stop them from electronic cashing my checks -- and make them do it the old fashon way by actually posting the check -- -- I NEVER AGREED TO ELECTRONIC CHECK CASHING and most places i send payments to dont use this ripoff practice -- - NOW you have places that want to charge you for auto bill pay -- -- ANOTHER CONSUMER RIPOFF -- -- I live in indiana and dont believe I should be forced into practices that can only rip me off and have no real benefit for me!!!!!! -- - When I sent my XX/XX/XXXX payment I sent an extra {$20000.00} to help lower my principal -- -- {$20000.00} total -- -- Ocwen in their rush to get the money -- -electronic cashed my check on XX/XX/XXXX -- -- applying all of the funds ( including XX/XX/XXXX payment of {$710.00} to XX/XX/XXXX -- -- this caused even my mort intrest statement to be incorrect for XX/XX/XXXX they corrected this XXXX -- -- - but never moved my {$20000.00} back to XX/XX/XXXX where it belonged so it still doesnt show on my statement under year to date transactions -- -- all so they can get the money before its due date!!!!!!!!!

Company response to consumer: Closed
Consumer complaint received 2016-11-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a personal checking account and an auto loan through BMO Harris bank. I have an automatic debit set up for the XXXX of each month for the amount of XXXX to pay my auto loan. On XXXX/XXXX/2016 at XXXX XXXX XXXX was taken out of my personal checking account without my knowledge or consent. ( XXXX was pending ) Upon realizing this, I immediately contacted BMO. On my first phone call, the customer service representative informed me that it was a transfer to my auto loan, when I asked why the amount was significantly higher than it 's supposed to be she said " I do not know, let me look into it '' after being on hold for 35 minutes, the representative returned and informed me that she did not know why, and there was nothing they could do. At this point, I am livid. I then went into the branch and asked to speak with a banker, after an hour with the banker I STILL had no answers as to why so much money was taken out of my account. When I asked to have a stop-payment placed on the transfer, they said there was nothing they could do. So I called AGAIN. This time a gentleman helped me, listened to me and gave me some answers. BMO had taken and extra {$730.00} out of my personal checking, claiming I owed " late fees and other fees '' as a consumer, I was never informed of any late fees, in fact when I called BMO AND visited a branch, I was told that my balance on the loan was XXXX. When I asked to be credited back the XXXX, they told me no, that the transaction needed to post first, that it would be 1-2 business days before they could do anything. ( Now I 'm short XXXX on the first of the month ) keep in mind, no one knows why this is happening, they are also doing nothing to stop or correct it. When I asked for a credit for the amount, I was again told no. So this morning on XXXX/XXXX/2016 the payment posted to my account, after arguing my point to the representative she said she would " see what she could do '' about getting me my money back. Since they have returned only XXXX of the XXXX extra they took for no documented reason. There was NOTHING saying that I owed any late fees, and they did not have my permission to take the money, I should not be fighting to get it back. To me, they stole my money and would not tell me why or make it right. Absolutely no financial institution should operate in this manner and treat their customers as I was treated.

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 2017-02-28
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage has held payment on my account and has not applied toward my balance. Freedom Mortgage did not advise me of a escrow change to my account and has not applied my payment but has reported my account late to the Credit Reporting Agencies. I have contacted Freedom Mortgage 3 times to attempt to have this corrected.

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: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We originally got our mortgage with XXXX bank the pic a payment mortgage which is a XXXX loan.. we bought our home in florida XXXX 2005,, there are class action law suits and then it switched to wachovia and then to wells fargo, we are in pre foreclosure and hired a company to do a criminal investigation and they found crime and fraud in our loan and also they fraudulanty signed my husbands name to the rein carnated XXXX closing statement he was not even at the closing, ,it was only me.. he was in XXXX for the closing.. there is no assignments of mortgage and wells has no proof they hold the mortgage but yet we are in pre- forclosure and i know they foreclosed on so many homeowners illegally.. we dont want to be a victim like so many.. how can you help us

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 2018-05-28
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/XXXX I borrowed from Big Picture Loans the sum of {$800.00}. The first payment of {$220.00} was withdrawn from my account on XX/XX/XXXX with same amount of {$220.00} having with drawn on the subsequent dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all totally {$880.00}. Instead of applying my payments to both the principle and the interest, I was horrified to learn that Big Picture Loans applied the {$880.00} to the interest only.

On XX/XX/XXXX I went to my bank and revoked Big Picture Loans ACH Authorization. I also, emailed a letter to Big Picture Loans informing the that their ACH Authorization has been revoked. To which their response was that I still owed them {$4700.00} on an {$800.00} loan. When I applied for the loan, I was told that if I paid the loan back early that the {$5000.00} plus payment would not apply. I paid the money I borrowed plus {$80.00} back in 2 1/2 months.

Big Picture Loans is claiming Tribal Sovereignty as an excuse to con their customers into paying ridiculous amounts in interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
After a real estate sale XX/XX/XXXX, I deposited the proceeds check from XXXX XXXX, with the local Wells Fargo branch. The teller 's receipt stated the funds would be available the next day, XX/XX/XXXX. The next day I requested a payoff for an unrelated mortgage, the deposited funds were required for the payoff. I was alerted through email, on XX/XX/2016, that the funds I deposited with Wells Fargo would be held for 10 days, due to insufficient funds on the XXXX Account. I contacted XXXX XXXX and was told the funds were in fact available in the account. A manager from XXXX XXXX has provided me a letter stating the date the check cleared XXXX XXXX, XX/XX/2016. I attempted to get Wells Fargo to try again to remove the hold but was told it could not be done. After the 10 days, on XX/XX/2016, I proceeded with wiring the funds to payoff my mortgage, but because of the 10 day delay I was required to pay over {$400.00} in additional interest. I requested, from Wells Fargo, the additional interest be credited to my account since Wells Fargo erroneously held my money. On XX/XX/2016, I was contacted by XXXX XXXX at the XXXX XXXX branch, that Wells Fargo is prepared to return half of the interest I had to pay due to Wells Fargo holding my funds without my access for 10 days. This is not acceptable to me. Imagine multiplying my amount in question of {$280000.00} by the multitudes of Wells Fargo customers on a yearly basis. This illegal process of " Gaming '' as stated recently in a XXXX court, manipulates my money and probably thousands of other Wells Fargo customers, to generate interest for Wells Fargo. I find this gaming practice unethical and possibly criminal. This complaint constitutes a formal request to investigate Wells Fargo on this practice of holding customers money, after they have received funds in order to generate more income for themselves at the expense of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: LEXISNEXIS
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I initially thought that the ORIGINAL creditor which is the bankrupty court was the one reporting this INACCURATE information to lexis nexis but they responsed to me that they do NOT VERIFY this information with the credit reporting agencies are third party such as lexis nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. Someone stole my personal information and used my personal information and identity to open up unauthorized and fraudulent accounts in my name. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are unauthorized and fraudulent inquiries.

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 2016-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I called XXXX of the credit companies and requested it be sent by mail. That was two months ago. How can a person prove that when all I talked to was a computer?

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 2016-10-25
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to dispute the following information in my file. I am requesting that the Late Payment be deleted to correct the information. I have never been late on my account. 
Sincerely, I have been a loyal client of XXXX. I have had no problems with the service until a late payment was reported to me report wrongly, in XXXX, due to a banking error. My credit report shows a 30-day late payment in XXXX 2015. However, I was not late. I have enclosed copies of my statements. Per XXXX policy accounts ca n't be reported late until 60 days. My account was not late. I was given wrong information from to make a payment of {$48.00} in XXXX to bring account current. That was done. Please correct this as soon as possible. Thank you,

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 2015-08-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX, my bank manager at Wells Fargo, XXXX XXXX, XXXX, VA XXXX ( XXXX ) informed us ( myself, my daughter, and son-in-law ) when we started our small business ( XXXX ) that if we invested our own money to show good faith that we would qualify for a low interest business loan. We invested at least XXXX into our business and when we applied for the business loan, XXXX XXXX, Division Lending Manager, Wells Fargo Business Direct continues to deny us due to:1. A Collection problem on my credit report which Wells Fargo resolved in XXXX 2014 but refuses to send me a copy of the resolution ( just reported tonight XXXX XXXX ) to send to the XXXX credit report services and2. states my son in law and I have invested too much money in my business to receive a Wells Fargo small business loan. ( too much debt according to our income ). 
3. XXXX XXXX and XXXX, the branch manager keeps asking for more and more information which we have supplied but can not fix due to : XXXXA. Wells Fargo will not send me the Resolution Letter in my favor to send to the XXXX credit reporting agenciesXXXXB. Lied to us about receiving a small business loan after we invested so much of our own money that we can not get the small business loan they promised nor get .... 
XXXX A small business loan from any other lender due to NOT sending me the Resolution Letter to clear my credit report AND encouraging us to delete my line of credit with Wells Fargo to where I have too much debt to quality for their promised small business loan nor get a small business loan from any other lender.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: DISCOVER BANK
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
discover bank unfunded claims. Discover Bank recently closed my account because they claimed that the continued fraud on my account was concerning. This is after I called them to discuss the transaction that they previously had not seen as disturbing. In their XXXX Discovers backs checks that where posted through multiple times and activity from target card. All of which was explained in documents sent to them that morning XX/XX/2017. The XXXX Transactions in questions were done fraudulently although I did willing link my target debit card to my discover bank account. In the affidavit sent to XXXX on these charges it clearly explains what happened. Discover Bank is claiming the account can still be compromised because they could use the target card to access the account and get the account number. XXXX XXXX does not store the full account number online. XXXX in the affidavit it states that I know who took the card and that the card was back in my possession. So there was no one the account could continue to be compromised. As for the checks. XXXX has a pending complaint for me about running those checks through multiple times without my permission on XXXX. The complaint is attached in this. Without the multiple returned check fees plus the small deposits I received the account would not be overdrawn. As shown in previous complaint that Discover has yet to answer my Discover debit card was unable to be used and I had recently lost my debit card to my XXXX account. Those accounts are linked so I can transfer between the XXXX but I needed to make deposits via mobile to another account. I will admit that my transfer from Discover and then transfer from XXXX could be problematic and it was. As I try to transfer between the XXXX and Discover. Discover would reject the deposits. A print out of my credit between XXXX and today date XX/XX/2017. To show that my XXXX account had funds in it to complete the transfer had they allowed. So essentially for me. I had {$360.00} in XXXX fees plus {$160.00} in direct deposits from my employer and another {$300.00} transaction from the fraudulent target transaction that would have covered checks written. Because I did not have access to my debit card. Checks where the only way I could move money from Discover. XXXX had informed me they worked on the fraud case and that it was settled but nothing was settled which is why I called Discover and sent them the documents asking them to help in removing the NSF fees on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The agencies Experian and XXXX has refused to verify and validate the accounts XXXX, XXXX XXXX, XXXX XXXX party, these are fraudulent accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is on my credit it is to old and needs to be removed

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 2015-09-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
there is a XXXX XXXX XXXX on the report which i have no clue of, I do n't recall any type of settlement,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX died XXXX XXXX, XXXX, left property to daughter. Daughter went off to military. 
Brother, XXXX XXXX moved into property about a month later. Agreed to maintain property in her absence. 
In XXXX XXXX retired XXXX. Income drastically reduced. 
Maintained pretty well for XXXX years. Reduced income began to take its toll in XXXX. XXXX and XXXX began process of turning property over to XXXX since XXXX decided she would not be returning to the area. 
XXXX gave power of attorney to XXXX on XXXX/XXXX/XXXX. 
XXXX filed a quitclaim deed to XXXX on XXXX/XXXX/XXXX. 
XXXX XXXX XXXX contacted Chase about assuming and modifying the loan. They sent him a transfer, assumption and modification packet. 
For nine months, XXXX went back and forth with Chase to be sure he was getting proper documentation in place as requested. 
Things continued to go no where, and XXXX contacted XXXX XXXX in XXXX XXXX. 
XXXX continued to reach out to Chase and my SPOC refused to discuss case with XXXX XXXX. Claimed they did not have authorization. My counselor, XXXX XXXX, sent an authorization XXXX times and has yet to have a conversation with my SPOC. 
We continue to go back and forth and now I am receiving mail that my home is going into foreclosure. 
My account was not delinquent when I started the process. I am now $ XXXX delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Barclay Bank reports account XXXX as derrogatory/delinquent on my credit report. I have sent a request on XX/XX/2016 and XX/XX/2016 requesting validation of debt, otherwise, Barclays must remove the reports from all XXXX credit bureaus. Barclays received my certified letters on XX/XX/2016 and XX/XX/2016. On both occasions Barclays was unable to validate my debt, however noted on my credit reports as " disputed '' or " consumer disagrees '' but it never provided evidence ( validation of debt ) of the debt belonging to me. A letter indicating they are researching or a computer print of credit card bills is NOT validation of debt. A validation of debt must bear my signature of said contract. Barclays failed to so in a timely matter. I have requested numerous times to remove the invalid information on my credit reports but Barclays have neglected to do so.

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