BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice, it is a fact, affiant did not give prior consent to communication to the debt collector, AFNI INC. and the affiant alleges there was no prior consent from a court giving permission to contact I, the affiant in collection of any debts and thus this communication would be AFNI INC. is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth. It is a fact, affiant is aware, the false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). Affiant has proof of this violation as AFNI INC. allege I, the affiant, owes a debt but the alleged debt is shown in the positive amount, as seen in Exhibit A.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are currently trying to refinance our current mortgage to XXXX from Ocwen. We had a loan modification with Ocwen XXXX. We are not late with payments or in foreclosure. We started the process for refinance over XXXX weeks ago with Cash Call. Ocwen will NOT provide the pay off to XXXX. They have been harassing me, stating they need various " bogus '' things. XXXX requested the payoff, but they call and harass me! An example of their misdeeds ... I spoke with them XXXX XXXX at XXXX very upset because they had not sent the pay off to XXXX. The agent told me after she spoke to her " supervisor '' that they DID indeed have a copy of that appraisal and the pay off would be sent to XXXX XXXX within 3 days. Come to find out someone at Ocwen cancelled the request for pay off the evening of XXXX XXXX, because they " could n't reach me to get authorization for the pay off ''. I had just spoke with them the day before! They assigned me to XXXX XXXX XXXX XXXX XXXX XXXX X XXXX. They keep with these types of games. An appraisal was done within the past 6 weeks. They are trying to make me pay for another appraisal by THEIR company. I have sent color copies of the appraisal and XXXX has ALSO sent color copies of the appraisal. I have just received another call from an appraiser from Ocwen today. They are breaking the law by withholding the payoff to XXXX XXXX. We have a right to refinance. They have all the documentation they need and are still playing games and breaking the law. We want our pay off to XXXX XXXX ASAP and litigation brought to Ocwen for their continued misdeeds and breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After turning in my loss mitigation application, Ocwen representatives provided me with inconsistent and inaccurate information about the status of the decision on my loss mitigation package. Before my loss mitigation application was denied, I spoke with an Ocwen representative who told me that they successfully received a purchase offer for my property - from my realtor - and had ordered an appraisal/XXXX in order to process a short sale on my property. My realtor confirmed that no such offer had been sent to Ocwen. Upon providing the Ocwen representative with this information via a conference call with my realtor, the Ocwen representative reversed their statement, agreeing with us that there was no offer and no appraisal had been ordered. Ocwen 's inaccurate information caused delays in my understanding of my loss mitigation options. Among many things, Regulation X, Section 1024.38 specifically requires servicers to maintain policies and procedures that are reasonably designed to ( 1 ) access and provide timely and accurate information and ( 2 ) properly evaluate loss mitigation applications. Ocwen demonstrated that they do not have policies or procedures to provide me with timely or accurate information about my loan during and after my loss mitigation application was denied, which leads me to believe they are in breach of Regulation X.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX, XXXX I had an erroneous collection account deleted from all of my credit reports. On XXXX XXXX, XXXX I see the same debt but it is being reported by the different company, so on the same I submitted a dispute through all XXXX credit bureaus and only on of them removed the debt because they could not verify the debt belonged to me. XXXX and XXXX are allowing Sources Receivable Management to erroneously report this debt as verified on my credit reports. All they did was acquire this debt from another company and are re-reporting false information. I sent a validation of debt letter and all I got in return was a letter telling me my name was on the account. This issue from this company is causing me a lot of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
after I deposited XXXX XXXX party checks into my business checking account for a total of {$23000.00} the bank closed my account. I have a business and part of the services that I provided is check cashing. All checks were good, all checks cleared and 2 months later the bank hold the funds and now they are asking to bring to a branch all XXXX checks issuer to confirm the check. 
Because they company checks and XXXX party, I have not relation directly to the check issuer. 
I am asking the bank to give me the money or to give me the checks. They do not want to do it neither. Just bringing the XXXX check issuers to the bank will release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America,  N.A., Fraudulent collection and foreclosure practices on secured property. BANK OF AMERICA HA S NO LEGAL STANDING AS THE LOAN WAS WENT COUNTRY WIDE HOME LOANS and PAID OFF.     In a hasten attempt to remove liability, with letter dated  XXXX   XXXX ,    2017, B ank of America has purportedly transferred an allege account via Media, Wire or Federal Mail System to   XXXX   XXXX   XXXX   XXXX   to prevent liability.     In addition, hired a Third-Party Attorney ESQ, Without Standing / Interest and without first-hand knowledge named  XXXX   XXXX , "  XXXX   XXXX  now enjoined with Bank of America,  N.A.  at  XXXX  Email :  XXXX  XXXX  XXXX  on  XXXX   XXXX ,  2017    committed Trespass on Secured property under perfected interest and filing #  XXXX  and  XXXX , and  XXXX  associated with  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  WA  XXXX . In conjunction with no real presentment of the Original Note but in fact alleged copies of a Note.     A  Request is  now being made to meet to review said Original Documents f rom Country-Wide Home l oans that was not sold.     In pursuant to now possible Securities fraud etc. per information obtained from  XXXX   XXXX   ESQ.      DUE NOTICE IS HEREBY GIVEN, There is now a claim for COPYRIGHTS Infringement validations from  XXXX   XXXX  enjoined with  XXXX   XXXX  enjoined with Bank of America N.A. who has sent multiple letters based on this CFPB report. Each violation brings at a minimum  500.000.00  per incident/violation. All methods to protect Secured interest is now in effect due to "   Trespass '' pursuant to Uniform Commercial Code.
Request in person meeting here in Washington State   with Bank of America and its held liable agents with affidavit all documents that were allegedly not filed such as " any ''  1009 e tc. and first hand knowledge.     This is an attempt to resolve through clarity of appropriate documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was sold to Greentree from our previous lender. They have the loan less than a month and we are being harassed with up to XXXX phone calls a day and numerous letters stating we owe over {$9000.00} and they are moving forward with loss mitigation. We have never - in the XXXX years we have owned our home- missed a payment and have paid our XXXX payment on time to Greetree XXXX I want to join the class action suit against them immediately. We have provided all proof of payments to previous lender and Greentree says they can not verify them and are threatening further collection action. This is harassment and illegal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: BTH Management
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? As per the fair credit reporting act section 609

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
THIS PROCESS HAS CAUSED ME EXTREME STRESS IN THESE ALREADY STRESSFUL TIMES. ALSO, TO KNOW THAT I HAVE DONE EVERYTHING ON MY END BY THE BOOK AND TO SEE COMPLETE DISREGARD TO THE SECURITY OF MY PERSONAL INFORMATION AND FINANCIAL REPUTATION FROM ALL THREE OF THE BUREAUS THAT PLAY SUCH A BIG FACTOR IN HOW LENDERS, EMPLOYERS, AND EVEN SOME GOVERNMENT OFFICES VIEW ME. 
THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED TO ME SO I AM CONCERNED WITH THE INFORMATION THE BUREAUS ARE ACCEPTING BEFORE RUINING CONSUMERS LIKE MINE LIVES AND HELPING UNVALIDATED COLLECTION COMPANIES SMEAR OUR FINANCIAL IDENTITY. NOT ONE OF THESE CREDITORS/COLLECTION COMPANIES FOLLOWED THE FCRA PROCESS AND NEITHER DID TRANSUNION, XXXX NOR XXXX WHEN THEY ASSISTED THE COLLECTION AGENCY AND ADDED THIS FRAUDULENT DEBT TO MY CONSUMER CREDIT REPORT. 

ACCOUNTS : XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$10000.00} XXXX XXXX XXXX  XXXX - {$0.00} XXXX XXXX XXXX  XXXX - {$0.00} TXXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$9900.00} XXXX XXXX XXXX - {$0.00}

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 2015-06-08
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Modified first loan with XXXX. I was told they would then modify my XXXX. XXXX sold the XXXX mortgage to Green Tree which now demands full payment of XXXX mortgage. Green Tree has entered into a temporary payment plan with us on the XXXX and demand full payment every XXXX months. The payment that we are making is XXXX times higher than the original loan payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  refuses to remove disputed addresses, including addresses in other states that I have never lived in and addresses that do n't exist, are spelled incorrectly and belong only to relatives.

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 2021-12-21
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
NAVY FEDERAL XXXX  NOBODY RESPONDED TO MY PREVIOUS CFPB COMPLAINT OR MY XXXX COMPLAINT TO EXPLAIN WHY THEY SUDDENLY MADE MY XXXX  CREDIT CARD IMPOSSIBLE TO USE FOR MY MONTHLY CELL PHONE BILL DESPITE THE FACT THAT I'D BEEN USING IT FOR XXXX YEARS WITH NO PROBLEM, I PAY MY BILL ON TIME AND IN FULL EVERY MONTH AND I'M NO WHERE NEAR MY CREDIT LIMIT!!!! THIS IS COMPLETELY UNACCEPTABLE AND I'M STILL WAITING TO BE CONTACTED BY SOMEONE WITH A NAME TO APOLOGIZE AND PROVIDE AN EXPLANATION FOR WHY NAVY FEDERAL FINDS IT NECESSARY TO REPEATEDLY FIND NEW WAYS TO XXXX ME OVER EVEN WHEN I'VE DONE NOTHING WRONG!!!!! IF NO ONE WITH AN ACTUAL NAME WILL CONTACT ME AND RESOLVE MY COMPLAINT AS I'VE REPEATEDLY REQUESTED, I WILL TAKE LEGAL ACTION IMMEDIATELY!!!! NAVY FEDERAL HAS ABSOLUTELY NO RIGHT TO DENY ME THE USE OF MY CREDIT CARD FOR A VALID TRANSACTION WITH NO EXPLANATION WHEN I'VE DONE ABSOLUTELY NOTHING WRONG!!!! THIS REQUEST SHOULD NOT REQUIRE NAVE FEDERAL TO TAKE MORE THAN THE 15 DAYS TO SATISFACTORILY RESPOND SINCE THEY'VE ALREADY HAD OVER A MONTH!!!! NAVY FEDERAL SUCKS!!!! CUSTOMER SERVICE SUCKS!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
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: Account status incorrect

Complaint:
Recently, I have began cleaning up my credit reports. I have noticed fairly quickly that I had a unimaginable amount of accounts from  XXXX . I began to review these accounts and noticed a few issues almost immediately. The biggest issue is the fact that I I have roughly  XXXX  accounts showing up as closed with a delinquent status. It is also showing that I have a charged of account status of roughly {$32000.00} total. These loans have been negatively effecting my credit and financial situation since  XXXX . I have been denied car loans, credit cards and other financial items directly related to these student loans. My current car loan is at 20.9 % apr for a  XXXX    XXXX   XXXX  . I pay {$410.00} on a vehicle I could be paying {$200.00} a month for. I can not begin to tell you just how negatively this has effected mine and my families life. I hope you can offer some assistance or relief in this matter.

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 2017-05-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, Equifax is allowing an inaccurate reporting on the  XXXX  account in my credit file. The balance on this account is {$3400.00}. This account was charged off. This account also was cancelled/forgiven by sending the IRS and myself a  XXXX  in  XXXX  with an identifiable event code G, the decision or policy to discontinue collection. Equifax allowing  XXXX  to verify this balance on my report is a form of "  Collection  ''. After cancelling/forgiving this debt the balance should be then updated to {$0.00}. This is a failure to timely update the credit report required under FCR A 623 ( a ) ( 2 ).  Included a have a formal copy of my    XXXX   XXXX   from   XXXX  with all supporting info that this debt was cancelled/ forgiven/ extinguished. Also included is a copy of my drivers license and social security card for identity verification. This was last disputed with Equifax on  XXXX / XXXX / XXXX  via case number  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We took out our house loan XX/XX/XXXX. The loan was with Homecomings Financial - Loan # XXXX and Account # XXXX for around {$160000.00}. Sometime later it changed to GMAC Mortgage. Again sometime later OCWEN took over. Account # with them is XXXX. I would say XXXX % of the payments I also paid extra principal. I started out just paying extra towards the principal and then I got a copy of the Amortization schedule and paid the principal applied for the the upcoming month. We had it figured and was told by our mortgage officer that if we got a 30 year loan and paid the extra that our house would pay off in 12 years instead of 30 years. We are right at the 12 years and OCWEN is saying that we still owe {$83000.00} and our loan will not pay off until XXXX XXXX, XXXX. I have sent OCWEN numerous letters informing them of this and all they send me is a printout of what we have paid. I know what we have paid. I am the one that paid it. I CAN NOT understand their people on the phone because they do not speak very good English. I have plenty of documents from Ocwen and to Ocwen. I sent my last letter certified mail to the attention of the Manager of the Servicing Department at Ocwen with copies of payments I have made which included additional principal paid throughout the years. They sent a letter explaining where they post the payments too. They have sent me this letter many times. I am going to try and attach my certified letter, their certified letter and printout of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Revenue Recovery Corporation
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
These debts are at a XXXX balance and the other medical bills I have on my credit is due to having insurance since XX/XX/2014 that is still on my credit report and I would like these removed I do not owe these Medical bills due to none payment from the insurance company.

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
Consumer complaint received 2017-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Spoke several times with Bank of America  employee :   XXXX   XXXX   Resolution Specialist  Regulatory Complaints  XXXX  She did not honor her agreement regarding  XXXX  accounts. No response to phone call.

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 2015-12-11
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Response is Fraudulent XXXX Chapter XXXX Section XXXX. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section XXXX or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX, my ex and I purchased a home via a mortgage through XXXX. My mortgage loan was eventually sold to OCWEN. My ex and I decided to separate in XXXX XXXX. I moved out of the house in XXXX XXXX. I stopped paying the mortgage in XXXX XXXX. My ex stopped paying the mortgage in XXXX XXXX. In XXXX XXXX my ex was employed and decided he wanted to refinance the house to take my name off the mortgage. To help this process, with the advice of my lawyer, I filed a quit claim deed to the property and no longer have any claim to the house. OCWEN did not approve the refinance. As the joint debt is the only hurdle that is in the way of finalizing our divorce, in XXXX XXXX, he decided to file for a deed in lieu of foreclosure. He was told this should take about 90 days maximum. My lawyer told me the same. It has been two years now since the deed in lieu process was started and OCWEN has made it obvious that they have no plans to settle this matter. My ex and I have called them separately hundreds of times in the past two years. My lawyer has called them several times. Every time they speak to us, they have a new excuse as to why the file is being held up ( examples : the VA has to approve, OCWEN has another walkthrough planned, there is a tax lien two years after the last party vacated the property, and many more excuses ). Recently, through a web search for the county property records, I found out that OCWEN has had ownership of the property in question since XXXX XXXX, XXXX. It seems as if the house has been foreclosed on already, yet they will not process the deed in lieu or offer any other way for us to get this problem settled for a home that neither of us have any claim to. Please help!

Company response to consumer: Closed with explanation