BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Currently, my loan is being serviced by Ocwen Loan Servicing , LLC . I obtained this mortgage prior to XX/XX/XXXX. I tried several attempts to qualify for a loan modification but recently my circumstances changed because my husband and I decided to file for a divorce and I do not make the same income as I use to. Next, I decided to list my property for a short-sale and found an approved buyer for my property. I completed the XXXX request for relocation assistance and became aware that any short-sale that closes after XXXX XXXX, XXXX and its was the homeowners primary and only residence, that the would be entitled to the {$10000.00}. I went on the Making Home Affordable website to confirm this and saw that I meet all of the criteria to be eligible for the XXXX funds. The website states the following : You may be eligible for HAMP if you meet the following criteria : Because of a financial hardship, you are struggliing to make your mortgage payments. 
You are delinquent or in danger of falling behind on your mortgage. 
You obtained your mortgage on or before XX/XX/XXXX. 
Your property has not been condemned. 
You owe up to {$720000.00} on your primary residence or XXXX unit rental property ( loan limits are higher for XXXX to XXXX-unit properties ). 
You have not been convicted within the last 10 years of a crime in connection with a mortgage or real estate transaction. 

However, Ocwen is now stating that if there is a scheduled sale date within 60 days, that the homeowner is no longer allowed to receive the {$10000.00} and any government assistance. We have been working with this qualified Buyer since XX/XX/XXXX and we submitted all documents timely ( within 90 days of the sale date ). Now, Ocwen is denying me consideration of the XXXX funds even though they had a completed package more than 80 days from the sale-date. I spoke with other lenders and this is not the case. I believe that Ocwen is not only doing this to me but also doing this to numerous homeowners who really need government assistance which is what the program was designed for. I am requesting for the Consumer Financial Protection Bureau to seriously investigate the current practices of Ocwen because I believe they are in breach of helping struggling howeowners who legitimately need assistance. Thank you for you time to help assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian did not require XXXX to provide any proof that XXXX notified me the consumer about a debt they claim I owed. I complained to Experian that I had no knowledge of the debt. I had knowledge of the account but no knowledge of the amount owed on the account due to I was not informed of the debt.

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 2017-03-29
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The Credit Bureaus were reporting a bankruptcy, but the courts do not verify a bankruptcy, the courts told me they do not verify that information. Therefore, that information was pulled out from a third-party reporting agency, therefore I demanded it must be all deleted because the court say they do not verify. And I would appreciate once its deleted I want proof that 's it 's been deleted. Thank you for and XXXX bless.

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 2016-04-20
Company: State Collection Service, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Upon being notified about alleged debt, I was given 30 days to respond and dispute validity of such debt. I responded within three days period and advised of my intent to dispute said debt. I also provided additional information pertaining to another medical insurance that was supposed to cover medical payments. Approximately one week later I received similar later advising me of same. I responded to this communication in timely manner and once again disputed said debt and provided additional information pertaining medical coverage responsible for the payment. Third communication from the debt collector arrived on or about XXXX XXXX ... This time a payment was demanded and no mentioning of correspondence sent by me was mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
i was under review with bank of america loan modification and was never informed of my house going to sale until XX/XX/XXXX when i got and eviction notice when to court and file and answer to the unlawful detainer nd bank of america forclouser law firm contact me saying the case was dismiss no further action was taken in their behalf i was never informed or any other option till this day I 'm still living in the house and still bank of america keep going me hopes of resolving my issued and also i know that they resold the house when again because i got an eviction notice

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 2017-03-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing information on my Experian Credit Report. Experian has sent letters in the past claiming that my dispute was frivolous and they would not reinvestigate any items that are incorrect as they have supposedly verified them as correct. I have asked for verifiable proof of what Experian has claimed is incorrect in my credit report and they have failed and said this does not apply to them. Their inability to provide any proof makes me believe they are not actually verifying any information and just claiming that information on my credit report is correct. I have mailed letters dated XX/XX/2017 to them concerning this. The letter is attached to this email that I have mailed to them.

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 2022-04-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: ESCALLATE, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is not a valid bill. The hospital was given my insurance information and they have never contacted the insurance holder of any balances due.

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 2017-03-13
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage lender " Loan Care '' recently bought our home mortgage. We pay our monthly mortgage payment on time every month to them. Our local property taxes were due in XX/XX/XXXX. A Loan Care representative assured us the tax payment check had been mailed to our tax authority on XX/XX/XXXX. The check was never received, putting our tax status as delinquent. After several calls to Loan Care, they responded by saying the check was received, but returned to Loan Care by our tax office. We checked with the county tax office, and discovered the check was never received, and they would not return a check for tax payments. After several more calls over the past several months ( it 's now mid XX/XX/XXXX ) ... Loan Care has still failed to pay our property taxes from our mortgage escrow account. They continue to make excuses, as we continue to pay our monthly payments to them. We even had a rep from our local tax office on a 3-way call with Loan Care, and they continued to make excuses, and said the check will be mailed. To date our taxes have NOT been paid, a lien is about to be placed on our home, and the county publicly posts our names in the local news as delinquent dead beat home owners! I 'm not even sure how all of this will affect our credit, but we need your 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 2017-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have written you twice. Chase finds ways out of re fi because I will be paying more in XXXX. the latest trick is " send us military XXXX letters after XX/XX/2006. I mean really. I am almost XXXX years old, was XXXX during the XXXX war, had XXXX, and have always paid on time. I got into this loan with XXXX and I did not know they sold me a non XXXX or XXXX loan. Now I am paying. I mean really, XXXX at XXXX years old? The Army never does that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am a customer of Bank of America. Went to BOA on XXXX NJ XXXX for notary services advertised as free services by the bank 's website. 
https : //www.bankofamerica.com/help/faq-financial-center.go The agent ( XXXX ) told me that they do not notarize letters. 
I missed my requested dateline for submitting the letter and had to go to a different bank on Tuesday and beg for that letter to be notarized. 
This is the second time that I have had notary services denied and had to open an account in a different bank to get services the first time. The first time I though it was because my letter was handwritten but this time they said it needed to be a company letter. I find the free notary service advertising to be false and misleading.

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 2016-05-17
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Last week we contacted Ocwen regarding the account and the status of an upcoming foreclosure sale. The customer service rep for Ocwen stated that there was no sale pending and that information was being reviewed on a notice to correct an error. The representative talked about is going online to complete modification paperwork. When we went to Ocwen online we found that Ocwen already had some type of workout plan under review. I setup another appointment with a relationship manager to check the status of any workout or alternative to foreclosure that was under review by Ocwen. The scheduled appointment was held at XXXX today XXXX XXXX, 2016. The relationship manager stated that there was no pending sale and that modification documents would be sent out. Prior to the XXXX meeting the law office representing the trustee sent an email at XXXX stating that they were informed by Ocwen to proceed with the sale scheduled for Friday XXXX XXXX, 2016 at XXXX. While on the phone with Ocwen, I was not aware that the attorney had emailed a conflicting status. Ocwen has not responded to the notice to correct the error that was sent around XXXX XXXX 2016. Ocwen did send a letter stating that they will respond to the notice. Also Ocwen did not provide the status of what they reviewing as an alternative to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Meade & Associates, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This amount claimed that I owe was paid off in FULL in 2014 in CASH. I would have kept a receipt had I known that the front desk from XXXX would just pocket the money, but they claimed my account was free and clear and had no issues until I noticed it showing up on my credit report. I have since made contact with XXXX and now they claim they do not know what I am talking about yet they removed the debt from my husbands account, which is a joint account that this credit was done in, as well as from my XXXX report. However, XXXX refuses to remove this from my debt. I haven been fighting for the past couple years to get this resolved as it is affecting my credit and is not a debt I owe. I want it removed and honestly would like those involved for stealing the money paid on that account to be held accountable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied to refinanced my home in XX/XX/XXXX with XXXX it was not completed until XX/XX/XXXX the agent at XXXX ask me to give XXXX a call because that is who she had her insurance with and they have a great rates so I called and spoke with XXXX and she gave me prices of {$1100.00} for my premium so my house payment came up to {$550.00}. My loan was sold to Penny Mac and on XX/XX/XXXX of this week I spoke with penny mac because I was trying to find out why my escrow is short {$3300.00} and my house payment has gone up to {$910.00} amount. I had been calling them since XX/XX/XXXX which at that time I had XXXX on the phone with me because penny mac said I needed to speak with my insurance company about this so on that date is when I cancel my insurance with XXXX because they were keep going up on my premium for no reason. I refinance my house for my payments to go down not up not because of my insurance neither. When I spoke with penny mac this week they informed me that XXXX had sent an invoice in for {$1100.00} in XX/XX/XXXX then another one in XXXX for {$2100.00} and they paid that one because they threaten to cancel my insurance so the persons on the phone at penny mac said that XXXX was double paid and they should have been only paid the {$1100.00} not the {$2100.00}, per Mr. XXXX in the escrow department when he was speaking with the lady in their insurance department I did n't get her name because she had a harsh raspy voice but he repeated everything she said to me. so I emailed XXXX and the person I was going back and forward with there is XXXX and she said what XXXX had quoted me was incorrect and they told me that and that is what I was supposed to pay for my insurance and I told her that is not correct and I did not refinance my home for the payment to go up and you all was not offering anything else. I have documentation to show how many times they have gone up on my premium and have incorrect information on my home. this complaint is for Penny Mac and XXXX both or at fault Penny Mac for not paying the first amount and XXXX for sending a double bill and I am having to pay for both of their mistakes and that is not fair to me. When I cancel my insurance with XXXX they return a check in the amount of {$2200.00} that would have been the premium for this year so that amount has been deducted so it left me with a shortage of {$1000.00} for my escrow and I want XXXX to send that check back to Penny Mac so this situation can be corrected they should not have sent it a double bill but when you see what they sent me it was more then double. I pray that this make since.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: First Associates Loan Servicing LLC
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
This complaint is about First Associates : XXXX which company is responsible for receiving the payments for my loan for school, University XXXX . The complaints are as follows:1. The company does not offer me visibility to the daily debits and credits to my loan account. All transactions are lumped into a few lines in each of my monthly statements. 
2. The company has severally made errors in computations on my account, the latest of which is that a payment of {$1200.00} which I made to the account was not recorded in the relevant statement ( see attachments ). I can provide additional example of errors made in the past on my account on request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. The debt was sold to another compony called XXXX XXXX XXXX. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt

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 2017-03-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
A " paid '' Judgement was placed on my Equifax credit report which never should have been there. I began disputing this item XX/XX/2017 with the Circuit Court and then on XX/XX/2017 with Equifax . Equifax disregarded my letter ( s ) and updated my credit report to show a " Balance " of {$930.00}. I did have an account with XXXX XXXX but that account was paid in full and it was never taken to court. I want this inaccurate information removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: United Debt Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted by a " currier '' who did not have a correct address and only verified my first name. He gave me a # and a reference # to thus company. No name given. I called. No recording disclosure or mini miranda. No company name or name of person. She only verified my first name..never once asked my last name. Had the last 4 of my SSN wrong. And when I said it was wrong continued disclosing. Stated to me I had until XXXX today to pay {$580.00} or they would charge me with intent to defraud a financial institution. And it was in my best interest to be at my residence for the currier. If not she wished me best of luck. I already have a XXXX and health issues I am out of work. This conversation was threatening to me and I do n't know where to go with this. I do owe that company they called about but I contacted them yesterday. They already sold it to United Debt Holdings ... .which is who I talked to yesterday. I have both # s and the reference #.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
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:
Penny Mac reported to the credit bureau that my mortgage had many months of missed payments along with my loan not being payed off. This has become an issue in my new loan for another home. As this loan is payed off and penny Mac said I made all payments. Called pennymac multiple times to get a letter and they can not fix it. They said they would call credit Bureau however did not update me with any information.

Company response to consumer: Closed with explanation