BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-29
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , LLC has not accounted for {$48000.00} in loan payments I sent in from XXXX XXXX thru XXXX XXXX. My account need to be adjusted to reflect a {$48000.00} principal reduction The Security and Exchange Commission is aware of the Defective Mortgage loan that 's a part of XXXX XXXX XXXX XXXX XXXX XXXX is a violation

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 2016-07-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Experian ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Experian 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Experian provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX. 
Consent to publish the description of what happened? Consent provided

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Ocwen Financial Corporation
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In lieu of valid Assignments, Trusts continue to rely on Assignments specially made by their own law firms and mortgage default service companies. Eventually, these fraudulent Assignments are being discovered by Courts, and the foreclosing trusts required to prove that they own the Mortgage and Note in the foreclosure action without reliance on Assignments that misrepresent the date of the actual transfer to the Trust the authority of the signers of the bankrupt original lenders. For XXXX homeowners, this realization has come too late. 
Aside from the law firm and mortgage default servicing companies that fraudulently produced Assignments, such as Ocwen loan servicing, and third party manufacturing company indecomme global services, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX law firm FOR EXAMPLE they are producing fraud assignemnts. 

The entities at greatest risk that the fraudulent assignments scheme will be exposed are the title companies which all theses ( Ocwen loan servicing, and Third party manufacturing company e.g XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX law firm all owes it little title company, e-title for XXXX XXXX XXXX and XXXX associates etc ... ) are the tittle companies that guaranteed the clear and correct transfer of ownership to the trusts. ALSO at risk are the trust creditors themselves and the trustees. Both groups of entities have been on notice for several years THAT the faulty assignments were likely to jeopardize the trusts claims to ownership and ability to foreclose in the event of default, yet have failed to disclose the critical information to trust shareholder and to the sec. 

THIS COMPLAINT FOCUS ON DEFAULT buyer DEBT COLLECTOR OCWEN LOAN SERVICING LLC USE DOCUMENTS MANUFACTURING COMPANY TO PRODUCE FRAUD ASSIGNMENTS OF DEED OF TRUST AROUND THE COUNTRY UNDER THE CONTROL OF default DEBT COLLECTOR LAW FIRM LAW FIRM XXXX using ASSIGNMENTS OF DEED OF TRUST PREPARED BY XXXX, FOR DEBT COLLECTORS OCWEN LOAN SERVICING, DEBT COLLECTOR XXXX LAW FIRM see several attached documents files

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Good Afternoon, Loan # XXXX My name is XXXX XXXX XXXX and my mortgage company is Ocwen Loan Servicing , LLC . I am in the process of short sale on my property, XXXX XXXX XXXX, XXXX, MD XXXX. My mortgage company scheduled a foreclosure date on XXXX XXXX, 2016, after my documents were forwarded. All literature that was forwarded indicates that there is a thirty day time frame allotted for the short sale process. 
They have a short sale scheduled for XXXX XXXX, 2016 but the documentation deadline was XXXX XXXX, 2016. I faxed my documentation prior to XXXX XXXX, 2016, therefore, the turn around time should be XXXX XXXX, 2016. 
My real estate broker is XXXX XXXX of XXXX XXXX and his contact number is XXXX and my title attorney is XXXX XXXX of XXXX XXXX and her contact number is XXXX. My broker and title agent have been trying move forward on the short sale, however, Ocwen seems more interested in foreclosing on the property. The property is on XXXX and there is an offer on the property but Ocwen is not counter offering, there is no BPO being done, nothing. 
My contact number is XXXX and I appreciate any assistance that you can offer regarding my situation. I know time is of the essence and I have been utilizing all my resources. My hope, counselor ( XXXX XXXX ) suggested that I reach out to you regarding this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
began a home building process in XXXX XXXX, deposited {$18000.00} with XXXX, home was built, closing occurred XXXX XXXX and {$18000.00} deposit was added back to amount. 
False appraisal of home was $ XXXX for a $ XXXX note. Closed then and moved in, one year later GMAC became servicer and jacked up {$1800.00} monthly payments to {$2700.00} based on false appraisal.XX/XX/XXXX, AHM went bankrupt, XXXX rejected {$80.00} XXXX in XXXX XXXX trusts, XXXX XXXX XXXX XXXX [ XXXX XXXX of XXXX ] bought those XXXX garbage trusts made by XXXX and serviced by GMAC for a mere 1 % .This is called RE-VENUE not a real purchase, he got only rights not full equity claim. I Filed TILA claim in XXXX XXXX against XXXX and GMAC, one month later XXXX XXXX as " trustee '' of voided bankrupt trust, filed a foreclosure suit without standing as trust was voided.Still in my home and I have filed several complaints to you, and agency created from my complaints. See case # XXXX filed XXXX XXXX in Fl. XXXX. can be seen on pacer.gov So now, XXXX XXXX was behind trying to foreclose on me all along, and OCWEN is and has been committing fraud, by not revealing the true party in interest.OCWEN claims to be " servicing '' a bogus trust for XXXX XXXX, all who are hiding behind XXXX XXXX. See attachments. The BK court in my case, duscharged all debts leaving only a " creditor with a valid lien '' and there is no creditor only fraud based debt collectors trying to get their 1 % investment plus another illegal 99 %, this is how the corrupt 1 % rich get rich, but XXXX for 1 % and collect 99 % from the 99 %, who dont know what is going on.Then there is me, smarter then all others. I want you to file an amicus breif on my behalf and know that they tried to make XXXX trusts from XXXX home documents.FRAUD. the case is in XXXX county florida XXXX circuit [ XXXX ] case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen has done XXXX things I would like reviewed. However, I did agree to XXXX of them. The following are my complaints:1 ) Credit Reporting - Ocwen promised, verbally, that negative reporting information would be removed from my credit reports. They cleared up a portion, but they are still reporting several months as 180 days delinquent. 
2 ) Foreclosure Fees - Ocwen promised, verbally, that they were waiving the foreclosure fees. They have not and it is more than {$3400.00}. 
3 ) Interest Rate - Ocwen offered and I accepted 4.25 %. This rate is still too high and I have requested multiple times that Ocwen reduce the rate to 2.0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Alco Collections, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Also collections refuses to stop reporting to XXXX even though account was discharged I never bankruptcy

Company response to consumer: Closed
Consumer complaint received 2017-02-15
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card
Issue: Other fee

Complaint:
I had a service done at XXXX, at the time the promotion was XXXX % off of XXXX. The way you create an account with them is by credit check and you have a limit amount you can use with the store. I was approved, and the way it was explained to me is as far as you do not make late payments you will not have any additional fees. 
I have made every monthly payment since XX/XX/2015, started at {$3600.00}. My XX/XX/XXXX statement was {$980.00}. Each payment has to be schedule because they do to allow an automatic payment, so it is easy to forget, either way I normally set 2 months in advance, because it will not let you set more than about 50 days of payments. The day the payment is received I get an email confirmation and the new balance, so I rarely go look at my statements. On XX/XX/XXXX I go to my account to set up a payment for the XX/XX/XXXX which is due XX/XX/XXXX and the balance is {$2100.00}. I look at the charges and it shows that I had an interest charge of {$1200.00} on my account XX/XX/XXXX which is in between statements. I immediately call their customer service and what I am told is that I had 4 days to dispute the claim. I was not aware of the charges ( I do not have a reason to go on the website if I set up payments for 2 months in a row, ) or of the end date of the " promotion '', or else I would have aid the account in full. I offered to pay my previous balance in full before the interest charges and they gave me no answer to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an insurance collections item which was in dispute with the insurance company. I had asked the insurance company to cancel my car insurance as premiums drastically increased after an accident and decided to go with another company. The insurance company informed me I had not gone through the proper channels to cancel and charged me for an extra month. The amount was in dispute and the insurance company sent it to the collections agency while in dispute. Because of the lengthy dispute process I decided to settle with the collections agency. Once the account was settled I requested the collections agency delete it from my report as the amount was in dispute which they agreed to. 

The collections agency informed Transunion to delete the entry. Transunion decided to reflect this as a closed credit account which dropped my credit score by XXXX points since I have credit monitoring I received the alert my score dropped XXXX points due to a closed account. 
I am not aware of any of my credit accounts being closed. Transunion have repeatedly offered me the explanation the closed account is due to a utility bill which also went into collections but has also been settled since XXXX or so. Please note this account shows a zero balance but is also entered ad a derogatory account on my credit report. Transunion want me to believe : They have recorded this account twice on my credit report as both derogatory and closed which count as XXXX separate accounts on my credit report. 
Transunion have also informed me even if the XXXX balance was settled in XXXX it has just had an effect on my credit score in XXXX. 

The credit report I downloaded online on XXXX XXXX and XXXX shows a drop in my credit score after the insurance item as deleted. Transunion have refused to follow up with the collections company to ensure they have recorded this entry properly. The credit union has also reached out to Transunion to advice it is not a closed credit account but the entry should be deleted completely from my account. This has been going on for almost a month now with numerous calls and emails to Transunion. 

I do not have a closed account which has resulted in my score dropping XXXX points. I do have XXXX derogatory account which is XXXX XXXX. I have reached my wits end and would appreciate if you can assist in getting this issue resolved.

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 2016-08-03
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have sent XXXX qualified written requests to our mortgage holder/servicer and have not received the requested documents to date. 
Verbal confirmation not written was given that they did receive the requests. 
Original request was XXXX XXXX, XXXX Notice of second request was sent XXXX XXXX, XXXX On XXXX XXXX, XXXX we received a packet with loan documents for a XXXX XXXX out of XXXX, XXXX. 
Rather than receiving any written confirmation of receipt we were notified to fill out forms for loan Modification Each time we asked our rep or customer service person for the status of the written request we would be told it was in the file and they would have to transfer us. We were hung up on so many times and during that time the loan was transferred from Greentree to Ditech. 
We sent and confirmed another request on XXXX XXXX, XXXX. 
Since Ditech has taken over the loan our customer service person has changed 5 times in less than three months. We were also told that our loan modification consideration was stopped in XX/XX/XXXX when they determined there was a unfulfilled qualified written request on file. 
We now have received a Notice of foreclosure and have still await qualified written request documents. 
On XXXX/XXXX/XXXX we again sent a qualified written request ( this would be XXXX in total ). We are trying to work with the XXXX Save our Home Program and need documents to provide for consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
this previous address not related to me, never was associated with this address XXXX, NY 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 non-monetary relief
Consumer complaint received 2017-01-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Experian is reporting inquiries that are greater than 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 2015-12-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I initiated a dispute with all three credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Direct Capital
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A third party debt collector called my personal cell, my spouse, and then my employer. They disclosed false information to one of my coworkers that I was scheduled to be subpoenaed to court and demanded that he transfer them to me. They also told my spouse that they were being uncooperative because she would n't give me the message without knowing what the complaint was. 

XXXX with Direct Capitalgave the number of XXXX ext XXXXcalled from XXXXalso from XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a follow-up to case # XXXX. I read over all the bank had to say. What they forgot to mention is that they had put up the house for sale a week prior the court date. They listed our home one week before the court date that was established to cancel the sale. This is what I 've been trying to explain to the courts and the appeal courts, but it 's like they 're overlooking this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Portfolio Recovery Service is a debt collection service that has been harassing me for quite some time, regarding debts I am unsure about. They contacted employers, friends, etc. When they call, they refuse to verify the debt without me giving up personal information, which I refuse to give to someone stating " this is a debt collector, that is all I can tell you without more information ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates constantly calls me, from multiple different numbers, while I 'm at work. No voicemails are ever left or any information for me to contact anyone back. Also, when the calls first started, I talked to someone once and I never received a Validation Notice for the debt. I have emailed Portfolio Recovery and told them that I do n't want any more contact by phone and that I want information regarding my account so that I can create an account and make payments on their website, I received no response to the email and received numerous more calls from different phone numbers the very next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I file a credit card dispute with Capital One Credit card. I disputed a charge of {$580.00} charged to my credit card on XXXX/XXXX/2016 from an XXXX marriage agency. I told them I never received any service or merchandise from this marriage agency after my credit card was charged that amount. I told Capital One that I discovered this marriage agency operated from XXXX was a scam after I did a XXXX search and found out multiple complaints on the internet that this marriage agency was a scam. I sent in a letter along with evidence that I did not receive service or merchandise from this agency and I assert my rights under Fair Credit Billing Act. Capital One responded and said they received a " printout '' of this agency 's website stating that I agreed the charge was non-refundable. I wrote back to Capital One stating that I have never seen this website nor have any knowledge my charge was non-refundable. I asked Capital One to provide me proof from this agency that I signed any document agreeing to this false claim or that proof that I have seen the non-refundable policy website. I again assert my right under Fair Credit Billing Act that they have to do a thorough investigation and provided me proof I received any merchandise or service, which I never did. Capital One wrote back and said they charged back the {$580.00} to my credit card because they did not get a response from me. I sent them a " claims and Defenses '' letter again assert my rights under 12 CFR Part 1026 ( regulation Z ) and the Fair Credit Billing Act that this is a billing error and they fail to follow the laws to investigate my dispute and demand this charge to be removed from my account or labelled it as " dispute ''. They refuse and start collection process on me and threaten me they will ruin my credit if I do n't pay. I told them I can not pay them any money because I never received the merchandise or service. This whole thing is a scam. I demand to talk to their legal department and ask them to write me a letter stating their legal position. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased our home in XXXX. Since then we have made our monthly mortgage payments ontime. We also have made additional payments every month and specifically asked for those payments to be put entirely towards principle. Every month we have had to call the company directly and speak to a representative because they have not followed our instructions. The company has allocated the additional payments to their own desires.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation