BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-12
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I signed a modification offer submitted to me and my attorney by Ocwen effective XX/XX/XXXX. 
I made all payments timely for the amount specified in the modification agreement. 
However, Ocwen began to reject my payments, claiming I owed fees for unspecified reasons almost immediately. I continued to pay the amount due, plus fees that I categorically deny owing. But still, Ocwen is not cashing my XX/XX/XXXX and XX/XX/XXXX payments. 
I have not received a monthly statement from Ocwen for XXXX and XXXX. So, I have no idea why my checks were not cashed and applied to my account. 
Ocwen is in violation of numerous CFPB rules and regulations. 
I need CFPB assistance in forcing Ocwen to follow the rules and the law. 
Will you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In an attempt to refinance our home, just days from closing, my loan processor c contacted me to say that Ocwen never recorded our existing mortgage with the XXXX County Register of Deeds. I have been calling them and requesting them to file an Affidavit of Lost Mortgage with the Register of Deeds. Every time I call I am sent to an escalation manager and am given a different story.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT  MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

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 2022-02-25
Company: Experian Information Solutions Inc.
State: CA
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 submitted a letter to them last XX/XX/2022 and until now I didn't receive any response, it is over 45 days so now this is a violation of 15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: NJ
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:
The auto loan for {$100000.00} was extinguished in a chapter XXXX filing Open accounts in good standing Based on your credit report TOTAL OPEN BALANCES {$110000.00} {$520.00} CREDIT CARDS $ {$2500.00} REAL ESTATE {$0.00} AUTO LOANS {$100000.00} STUDENT LOANS {$0.00} OTHER LOANS {$0.00} COLLECTIONS {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I submitted a complaint about midland funding trying to collect a debt from a XXXX XXXX  account in which I know nothing about. They provided a statement with a balance showing XXXX which first of all isnt mine but doesnt even match the amount they are attempting to collect which is XXXX which is what was reported unjustly on my credit report. I am attaching the letter and statement they provided. Charges on this card need to be proven in addition who was paying this credit card. Is there a copy of a payment and if so by whom at any point this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Account # XXXX on XXXX of 2021 I was late on my monthly payment due to XXXXXXXX. Me and my wife where both XXXX  during that time and unfortunately we were unable to make the payment. I called XXXX XXXX XXXX to see if they could remove my late payment and the representative that i talked to said they where unable to remove the payment. He said that even if I sent a good faith letter they would not remove it. I pleaded with him and let him know that the payment was missed due to being XXXX XXXX XXXX XXXX. He went on to tell me that if I would have made the payment 2 weeks before hand this wouldn't have happened. I let him know that getting XXXX where not in my plans and that if I forgot about the payment was because I was more worried about getting out of the hospital alive then making sure I made my payments on time. He then went on to make fun of my illness. That's when I asked him if I could speak to his manager. He took down my number and told me that the manager would reach out to me within 24 hours. Its been a week and still no call from the manager. I'm writing this complaint to see if you can remove this late payment from my report since XXXX XXXX XXXX will not do anything even under my circumstances. I hope you can find it in your heart to remove this for me. I would really appreciate it from the bottom of my heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I need your help in getting these incorrect address information and unauthorized inquiries removed from my credit file. Please remover addresses : XXXX XXXX XXXX ( the number is incorrect ) and XXXX, XXXX, Al. This information is a result of identity theft.

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 2020-03-03
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have already filed a complaint against Caliber Home Loans # XXXX but again feel it is necessary to file another complaint for red-lining. In the 21st century in the year 2020, I sincerely believe this particular underwriter has worked relentlessly to find every reason under the sun to deny me due process for this loan approval and this is a discriminatory racially motivated action. I have worked tirelessly with Caliber Home Loans in an attempt to provide all of the requested documentation to comply with the underwriter 's stipulations for loan approval to no avail. After giving all documentation from the beginning of this second process to receive approval to move forward with the loan based on having 30 days of paycheck stubs and now in the tenth hour, she has again come back to the loan consultant with a final decision saying I could not use my current income to qualify for this loan and can only get approval with a co-signer. How can this be possible that current/future income can not be used is beyond belief. I was told that my past income could be used for the loan but not my current/future income and this makes no sense because my mortgage payments would be based on what I am receiving now not the past income. I need a detailed written explanation of why everything I did was further exacerbated to the point of denial. The impact of hardship that this company has placed on me can not adequately be explained. I am pregnant nearing delivery and the stress of all of this has had a direct impact on my health as well. I have spent unrecoverable money, have no current place to live at the end of XXXX, not to mention the time involved to go through this process is ridiculous. This company should be investigated for what is happening. How many others have experienced this type of treatment. I will not let this go and work just as hard to expose this type of process so others may not have this experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - In accordance with the fair credit reporting act convergent Account # XXXX, has violated my rights. 

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.

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 2022-07-07
Company: CAINE & WEINER COMPANY, INC.
State: MO
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:
My name and information were used fraudulently with Caine & Weiner the account was opened on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: IL
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 highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

I need this account be deleted immediately Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2015-06-22
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen acquired my loan from XXXX XXXX XXXX in XXXX XXXX. I was in chap XXXX bankruptcy at the time and it has since been discharged in XXXX XXXX XXXX. Ocwen waited until i was no longer under protection of chap XXXX and then claimed a bogus post petition debt that they say i owed and accelerated my loan to begin forclosure. i have proof of all my payments to ocwen and i am not in arrearage post petition!! They were paid all monies due pre petition but insist i owe them post petition payments due for months of XXXX XXXX until XXXX XXXX I even have statements where one month they claimed i had no post petition debt in XXXX XXXX and then the next month they claimed $ XXXX post petition and the number rises every statement. If i was so called in arrearage post petition then why did they never file a motion for relief from automatic stay during my bankruptcy since they claim my missed payments date back to XXXX XXXX and I was still under bankruptcy until XXXX XXXX. What mortgage company in their right mind would let XXXX post petition payments be in arrearage without filing a motion with the courts to stop an automatic stay!! What they did was waited until my bankruptcy was discharged because they have been trying to get my home because their is plenty of equity since i first filed bankruptcy. They are liars and only put foreigners in their customer service dept and they cant understand what you are trying to convey to them. They also show me as having owed a mortgage payment that was higher than the XXXX i paid to my prior loan servicer, XXXX XXXX XXXX and when i asked for a mortgage analysis XXXX years ago they never did XXXX but now say they are sending me a check for {$2800.00} because they recently did a mortgage analysis and my escrow balance was too much. The reason it was {$2800.00} over the amount it should have been was because they had me paying the wrong amount for my mortgage payment over a period of 3 years!! Had they done the mortgage analysis when first requested XXXX years ago they would have determined my mortgage payment was incorrect! Please help immediately! They are trying to coerce me into a loan modification so they can cover up there faulty accounting. I do not owe them anything!!! I plan to sue like the case XXXX XXXX vs Ocwen which cost them XXXX XXXX for their faulty accounting on her part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-03-03
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT  NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I received a XXXX from the mortgage company stating Outstanding Mortgage principal as XXXX/XXXX/XXXX is {$83000.00}. Then my mortgage statement dated XXXX/XXXX/XXXX states principal mortgage is {$100000.00}. Why wo n't the amount be the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Today, XX/XX/2021, I chatted online with a customer service rep with AES ( Department of American Education Services ) about my private student loan from XXXX. I did not graduate because of coronavirus and I want to go back to school and finish my degree. I can not afford the payments for repayment. I only make about an average of {$500.00} a week and the payment for the loans is about $ XXXX and I already have $ XXXX/month in rent and I also have other loans. The only options I were given were where I can temporarily decrease the payment by about {$100.00} and then in about 12 months I'd have higher payments, or I can increase the interest and do something else. I can not afford the payments at all. I can not afford to live or accrue a life savings. My only options for loan forgiveness are to be diagnosed with a XXXX, which I might actually have but would rather not live with the stigma ; or I can die.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03
Company: Pinnacle Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XXXX, I opened an count with XXXX XXXX. The account was closed in XXXX with a past due amount. At some point the account transferred to collections with an open date of XXXX XXXX. The dates are not accurate and the collection agency has re-aged this account according to the original creditor 's date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX2022 I sent Equifax a dispute letter disputing inaccurate and fraudulent accounts. Its been passed 30 days and these accounts are still reporting with no proof of investigation. Also, I have not given Equifax written or verbal consent to report any derogatory remarks on my credit report. No consent is identity theft per title 15. Congress made it clear that furnishers arent allowed to report information containing transactions or experiences between the consumer and the person making the report. This is defamation of my character, unfair practices and conspiracy to help companies commit fraud against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRUIST FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I tried to XXXX money to cover the deficiencies twice but they account for some reason would not let me receive money. I canceled the first XXXX on XXXX and then requested a second one but it would not allow me to recive money again..tried calling the bank to find out what is going on was on hold for XXXX hour and then got hung up on... .it is ridiculous

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 monetary relief
Consumer complaint received 2020-03-03
Company: Ocwen Financial Corporation
State: FL
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:
OCWEN HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my credit report Id noticed XXXX XXXX XXXX reporting a balance of {$370.00} which I do not recall this account nor receiving a notice from them. I contacted them by fax @ XXXX ) XXXX with a letter requesting documentation bearing my signature. This item is reporting on my XXXX, XXXX, and XXXX report which is in violation of the FCRA if documentation bearing my signature which Im entitled isnt provided this item should be removed immediately.

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 2022-02-25
Company: NAVY FEDERAL CREDIT UNION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2022 I was paid on the Friday XXXX for my XXXX XXXX payment, which was scheduled for XX/XX/XXXX. 

Now in XXXX I do not get paid before the weekend even though the pay dates are the same. The XXXX of XXXX falls on the same day as the XXXX of XXXX. Yet, I do not have my XXXX payment. They said it will be deposited on XXXX, but online says Monday, so the representative I spoke to lied to me. 

Why can they arbitrarily pay me? There is no reason why this month should be a weekend later than last month. And the rep even mentioned Saturday??? how is the payday?? 

I have consistently filed complaints about this company charging me for overdraft fees. Now there is evidence of inconsistent payments regardless of their policy. This suggests to me that they are intentionally forcing me to charge over my amount to incur more overdraft fees. 

This is not an authority of a financial institution that I will continue to deal with. 

Their solutions have not made a dent in their policy of manipulating my finances against me. 

As of this complaint, I can not even view my statements from XXXX. They are preventing that somehow. I attached pictures reflecting the fact that nothing should be different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation