BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-06
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My mother and I were co-borrowers on a home loan that was opened XXXX XXXX through Litton Loan. The loan was later taken over by Ocwen Loan Servicing in XXXX XXXX. During the time that the loan was with Litton we had several issue of payments not being posted correctly or being put in a suspense account. The payments included principal, interest, and property taxes. My mother was contacted by a local business man in XXXX who essentially told her that he owned her house now and that she should start paying him or he would put her out. We found out that Litton had not been paying her property taxes and that he had purchased the home in a tax sale. He wrote a letter to Litton Loan explaining such and drew up a contract with my mother. Litton then sold the loan to Ocwen. My mother file CH XXXX bankruptcy and pursuit of the debt seem to stop. I found out that it was reporting on my credit file and disputed it based on the history and mishandling of the account all along. They started reporting the account as " association terminated '' in XXXX of XXXX and deleted all account history. As of XXXX XXXX I get an update that state that I am XXXX delinquent on the account owing over {$15000.00}. I just gained access to the website and have found that there is no up to date information, statements, nothing. How can I be 180 days late on an account that has no history. The credit reporting alone is a violation. The loan should have never been sold to anyone when the original servicer was mishandling payments and not paying property taxes resulting in a loss of ownership and equity. My mother is now making payments to a person she never borrowed money from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: First Associates Loan Servicing LLC
State: PA
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:
I just found out that I have to pay off an additional student loan. XXXX XXXX XXXX ( the school that I attended from XX/XX/XXXX through XX/XX/XXXX ), made me sign documents that I had not reviewed. They said if I did not sign the paperwork that I could not graduate. I desperately wanted to graduate and get a job so I signed them. The paperwork must have been for the private PEAKS loan totaling over {$18000.00}. There was no activity on these loans while I was attending the school or after I graduated. They are seeking payment now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Homeowner applied for 2nd modification due to reset of first modification which caused a payment increase, at the time of the application she was not delinquent. Homeowner was approved for 2nd fixed rate modification for the life of the loan. All payments were made on the trial but after receiving permanent agreement, the deferred principal amount from 1st modification increased by XXXX. Housing counselor had several calls set up with Ocwen to clarify difference in deferred principal amount. homeowner was told several times not to send in permanent mod until dispute was resolved after the homeowner finally understood the permanent mod, she was told that she was 5 months delinquent with a total of XXXX. Ocwen is not accepting payments or 2nd modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
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:
I XXXX XXXX XXXX filled out an application for the XXXX XXXX XXXX on XX/XX/XXXX for my son XXXX XXXX. On XX/XX/XXXX I asked about the lease being signed by my son with his name and not mines and told them that was illegal. They allowed him to move in without my signature. My son moved out of the apartment due to multiple rent increases. When we both went and turned in the keys to the apartment and I had the new manager look at the lease and she noticed as well that my signature was not on the lease. Now the collection agency refuses to give me a copy of the lease and saying my signature is on it. Genesis Credit Management LLC is continuing to report false information under my name to all 3 credit bureau. I called again on XX/XX/XXXX and the man was very hostile with me. I need both companies to be looked into for falsely giving out my information to obtain financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX sold my mortgage to LoanCare LLC LoanCare website is not accepting my information but they don't provide a mechanism for me to make a payment My payment is past due and I don't want my credit to be affected I don't want to lose my home!! I have the money, you guys are just not letting me pay 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 2022-07-13
Company: Bay Area Receivables, Inc
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2022, at around XXXXXXXX XXXX XXXX, I received a cold call from, what I would learn later, was 'Aidvantage XXXX, the company servicing federal student loans. 

My phone 's caller ID identified the call as being 'XXXX ' ( the company formerly servicing federal student loan repayment ). 

When I answered, I was transferred to a caller who attempted to tell me about the deadline on federal student loan payment deferment and options for income-based repayment when the deferment deadline lifted. This was all fine. 

However, the caller attempted to ask me to verify information including my address, email address, and phone number. First, several of those items were out of date ( I had long since changed them in the federal student loan repayment portal ). Second, I am unsure why they would solicit that information over the phone rather than directing me to the federal government 's repayment portal. 

The substance of my complain though is about misrepresentation. The person on the call, falsely or truthfully, believed himself to represent the Department of Education. He had no explanation for why the Caller ID labeled the call as being from XXXX. Nor did it seem odd to him that he ALSO stated that he worked for AidVantage, which is a private company working with the DOE. 

I think AidVantage is training their employees to misrepresent themselves and irresponsibly draw them into loan servicing schemes that they may not need or want under the guise of representing the DOE. 

Note : I will also be submitting this complaint to the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I recently sent a letter to XXXX XXXX asking them to send me the accounting that was used on my closed account that they are marking as charged of on Transunion, XXXX, and XXXX. They marked the account charged off in XXXX of XXXX. If the company indeed charged off the account, a 1099-C should have been issued to me no later than XX/XX/XXXX of XXXX. XXXX  XXXX did not send the 1099-C and continues to pursue collection activities on an account they have already charged off. I paid the account off even though the company charged it off as a loss on their records making the charge off fraudulent. I am requesting that XXXX XXXX comply with the cease and desist notice attached to this complaint and send me VALIDATION of the alleged negative accounts on my credit reports. If XXXX XXXX doesn't comply with my request I will have no other choice but to report them to the IRS for TAX FRAUD. Please read the cease and desist carefully as to not violate the order.

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 2017-02-17
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I received a XXXX and a XXXX for {$0.00} for XX/XX/XXXX from OCWEN. The property in question was foreclosed on and the debt discharged under chapter XXXX bankruptcy in XX/XX/XXXX, however the date of the identifiable event is listed as XX/XX/XXXX. I 'd never heard of OCWEN prior to receiving these documents, so it is unclear how they were transferred a mortgage that had been discharged in XX/XX/XXXX, and are now trying to take a write off on a loss that they should not have incurred. Is there a pattern of false reporting from this company that needs to be investigated?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX, XXXX  I reported to Union bank number of unauthorized transactions totaling {$5800.00} that have posted to my card ending in XXXX. 

On XX/XX/2022 the Union Bank denied my claim using the regulation E and stating that I was negligent in promptly notifying them and imposed liability on me in the amount of {$5700.00} honoring only {$110.00} to conclude the claim. 

I am appealed that the bank would use such a lame excuse in order to deny consumer protection that is guaranteed by the law. 

The regulation E makes it clear that the consumer is entitled to receive protection under regulation E even in consumer acted negligently.

The financial institution did not consider all the relevant information regarding the protection.

Regulation E takes into consideration extension of time limits due to extenuating situations.

In the past six months I have had to travel overseas for four weeks at the time to take care of a terminally ill father in law. I was absent from the country for many, many weeks.

I have communicated about my position to two different banking representatives and explained that since I was out of the country for very prolonged blocks of time I may have not acted by the books, and that I did not discover some of these unauthorized transaction on time. The larger debits that amounted to over {$5000.00} were reported within the 60 day time limit. The bank did not consider any of these facts when creating greater liability on me then premiered by the law. The bank representatives kept stating that I am not protected and were not introduced in hearing about the hardships that I was facing with extended travel and terminal illness of my close family member.

I am asking the CFPB to investigate and provide me with the protection that is guaranteed to me by the law. 
XX/XX/XXXX number of transaction with union bank reported them as soon as i seem them. XXXX union back denied the claim they only covered {$100.00} and the rest I'm just out all that money. I tried another time to get them to cover and no success.

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 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have submitted a Cease and Desist with ENHANCED RECOVERY COMPANY. I explicitly stated that there be no communication through any medium other then through mail. XXXX AND TRANSUNION are continuing to furnish this information as a means of communication which is in violation of the Cease and Desist.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: KEYCORP
State: OH
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:
We ordered tacos from XXXX XXXX for a food order for XXXX. My credit card declined for no reason. There was $ XXXX available. I tried to use it again and it still declined. I called key bank and was told there was $ XXXX available so it shouldn't have declined. I called the restaurant and they said they could not see an order so We used my boyfriend 's XXXX for the order. I decided to view My account because I didn't understand why it declined. My card had been charged XXXX for an order that was paid for with My boyfriend 's card because mine declined. My credit score was lowered substantially because Keybank reported amounts of XXXX XXXX times to credit agencies. Because the lender charged My card so many times it increased My credit usage. My secured card had a {$300.00} credit limit. I disputed the charges but it was reported as an excessive percentage of credit usage which caused my score to drop. I called Keybank again that Sunday and was told the charges would drop. I disputed them anyway and checked again. By XXXX  XXXX had dropped but there was still XXXX lingering. I called the restaurant and the XXXX said he would let his IT dept know and that if I still had a problem to call him back but the only order he could see was the one under my name paid for with My boyfriend 's XXXX. I checked my account again on XXXX  and the XXXX charge for {$32.00} was still showing on my end. I called Keybank and explained to their repXXXX what had happened. She suggested that I order a new card because of all the problems with the card I used. I had already paused the card online myself and told the rep. I had frozen it until the confusion was cleared up. I called Keybank and tried to view my account. I couldn't view it. My credit card account had been removed. I spoke with the rep and was told there were XXXX charges showing again. I told the rep. I didn't understand how that could be when as of XXXX  there was only XXXX that needed to drop. If this isn't cleared up it will drop my score again because of the bank 's error. I called and the representative at Keybank said there is nothing she can do right now but my credit report should update once keybank reports again. I asked her if she knew when they would report again. She said she didn't know. So as the consumer my credit which I am working hard to rebuild is being destroyed by Keybank. This is not right! This is not fair to me as a Keybank customer. I sent the requested information to Keybank showing where the order was paid for with My boyfriend 's credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: American Credit Acceptance, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving multiple text messages on a wireless mobile hotspot what has an assigned telephone number from XXXX from an automobile lender. I have called them multiple times to tell them that I do not have a loan with them, have never had a loan with them, that the device they keep sending text messages to is not a phone, but a mobile hot spot ( MiFi ) and they are annoying me by sending delinquent notices to me when I am not their customer, and have never been their customer.

The company involved is American Credit Acceptance ( part of XXXX  XXXX 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 explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2016-03-31
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I do n't know the legal definition of predatory loans but I believe that this is the situation that I have. When first got our loan the payment was really high but we under the impression from the people we were dealing with that we would be able to reduce those payments after making on time payments for a certain amount of time. We did that but we were not able to refinance and the payments became too much. Later we were given and adjustment which was still too high. I have made several attempt over the past XXXX to try to get an affordable mortgage while at the same time having to file bankruptcy because that was the only way I could save our home while we were going through the motions. However each time I tried to modify the loan from XXXX to XXXX XXXX XXXX and now with specialized loan services nothing is ever done. Either I 'm constantly being told that they are not receiving my paperwork and there is no one XXXX that I can talk to or deliver the paperwork to in person or just completely ignoring my efforts. I have tried working with " making home affordable '' and nothing came of that. I filed a modification through XXXX at the beginning of XXXX, the lender asked for some additional information which I sent to XXXX and they updated it to my file and I have n't heard any more from them until XXXX when they started the foreclosure process again. ( Despite the XXXX page saying they are supposed XXXX reply within two week ) I am in the process of completing a XXXX modification request through XXXX but if no one is going to hold the lenders accountable and they can constantly deny your paperwork or drag the process out so long that your forced to give up your property just to end the nightmare of never feeling sure or safe and constant worry for years now. And now we are once again facing foreclosure and eviction All I want is an affordable fixed rate mortgage payment so that we can get on with our lives. My mother is XXXX XXXX XXXX now and she should n't have to eviction hanging over her head at this point in her life. 
I do n't know if this loan should have ever been made to us from the beginning but had never purchased a home before but I know that had we known the payments would go up instead of down we would not have agreed to the terms but this was how I was told that people were able to afford the houses at that time. We have been here since XXXX and it 's our home now and we just want to be able to pay our bills & mortgage and be able to sleep at night.

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 2022-07-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

CHAPTER XXXX AND CHAPTER XXXX BANKRUPTCIES Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.

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