BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Failure to review and send change of mortgage hazard insurance in a timely manner To whom it may concern : I sent pdfs last week to your company of my interactions with PHH mortgage company since XX/XX/XXXX. 

Upon refinancing my current mortgage in XX/XX/XXXX, I was rushed through the process of closing and not informed of the change of payment for my hazard insurance at the time of closing. 

Since I did not know my hazard insurance would not come out of my monthly mortgage payments, as was done previously, I did not pay the policy. 

My hazard insurance ( XXXX ) was unaware of the change as well and sent payments to PHH requesting that the company pay the insurance fees or sent documents to the mortgagee ( myself ). 

I assumed the mortgage company would be paying it, and the mortgage company ( PHH mortgage ) assumed I would be paying it. 

The mortgage company did not inform me of this change or of their receipt of request for payment from XXXX hazard insurance and the insurance policy lapsed for a total of 10 months. 

CA law states that a customer or policy holder should be notified at least 45 days in advance of insurance being canceled or lapsing in payment. The law states that the mortgage company must send a written document stating the possibility of placing a forced paid insurance to cover the lapse. I did not receive such notice. Nor was I aware that the mortgage company was not paying the bill sent by XXXX insurance to them. 

I never received a bill for insurance or a forced paid hazard insurance letter from either XXXX insurance or PHH mortgage at the time of insurance cancellation ( XX/XX/XXXX ). 

I received notice of cancellation of my policy 10 months later, in XXXX of XXXX, of which I immediately renewed and fixed the problem. 

I am consistently a reliable policyholder who pays on time monthly. I was also proactive in renewing my insurance policy, as it was renewed immediately upon knowledge that the change in payment had been made in XX/XX/XXXX. 

The lapse of insurance would not have happened in XX/XX/XXXX if I was made aware by both the insurance company and PHH mortgage company. 

PHH mortgage 's refusal to take ownership and penalize me for the lapse of insurance policy, a policy I was unaware had lapsed, is inexcusable. 

The company was given ample time by XXXX insurance to provide me with the renewal bill sent to them, both in XX/XX/XXXX and XX/XX/XXXX. 

Instead, they waited 10 months until it was too late for me to keep my insurance current, costing me a higher insurance fee and, now penalizing me of a {$1000.00} fee of backpay insurance for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX REPORTED LATE PAYMENTS TO MY ACCOUNTS FOR THE MONTHS OF XX/XX/2019 AND XX/XX/2019 BUT THE ACCOUNT WAS NOT LATE. THERE WAS AN ERROR WITH THE PROCESSING OF THE PAYMENT THAT WAS NOT MY FAULT.

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 2017-05-31
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
My name is XXXX XXXX. My daughter, who is my Power of Attorney ( POA ), will assist me with explaining the complaint. <P/>My name is XXXX XXXX, POA for XXXX XXXX. My mother suffers from multiple XXXX XXXX, XXXX and XXXX being the most severe and is unable to make decisions for herself. This company sent my mother a check through the mail. She cashed it not realizing that it would turn into a loan she would need to repay. She hid this information from me and struggled to pay the debt off because she 's under a set low income from social security and her XXXX. I contacted the company and sent them a power of attorney so that I could be given information regarding the account. I did let them know she was XXXX XXXX to understand what she had done. They said she did n't " act or seem '' mentally incompetent. I paid the balance with my own money on X/X/2017 for ( XXXX ) because my mother would never be able to pay off the debt herself and I did n't want them harassing her because of her XXXX XXXX. I also did n't want the interest to accrue while I tried to resolve the debt. I contacted them today XXXX to get the history of how she was able to obtain a loan through them and to get past payment information. I also wanted to know how much she actually was given without miscellaneous charges i.e. finance charge, late fees, and returned checks. XXXX stated she would n't release any information without going through the legal department. She verified that she did receive a check through the mail and stated that 90.90 % interest was legal. She refused to give me their OCCC license number. She could not give me a timeline on when the legal department would contact me or how I could get a hold of them. She also hung up on me. <P/>Company Information : Continental Credit XXXX XXXX XXXX XXXX, Texas 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 2022-06-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to create an account and use the Experian website to unfreeze my credit reporting. When I got to the point of agreeing to terms and conditions, the website freezes and does not respond ( for hours ). So I tried to call the XXXX number listed on their website. It gets to the point of asking for the PIN, but when you start to enter the number, it acts like it has validated it about half way through the digits. Then it leads you through setting up a temporary freeze, which seems to work, but does not actually work. The company trying to check my credit says it is still frozen. There is no option to speak with a human. They offer to give you instructions to communicate with them via MAIL! This is a total fail. It is not 1972 - financial transactions are not carried out by postal service. So now my credit application is stuck with no recourse.

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 2022-05-04
Company: TRANSWORLD SYSTEMS INC
State: FL
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:
In accordance with The fair Credit be Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A section 2 It also states A consumer reporting agency Can Not furnish A account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open Consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working for better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 to 90 days late to the credit bureaus ( XXXX XXXX and XXXX  ) between XX/XX/2015 and XX/XX/2015 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have written an enormous amount of letters to various governing agencies, with CFPB being one of them. The problem is still the same. I have written various correspondence with the company, Wells Fargo, who committed various illegal and unlawful acts both at the state and federal level. First, my vehicle was repossessed unfairly, unjustly and without just cause based on an error made by Wells Fargo in XX/XX/XXXX CPI insurance was placed on my loan file unnecessarily to which Wells Fargo initially sent correspondence stating it was necessary. After forming my complaints, Wells Fargo sent correspondence stating the CPI insurance was unnecessary yet, Wells Fargo did not compensate based on Class Action Suit against them from the violation. Wells Fargo violated my consumer rights causing lower credit scores and diminished ability to seek credit which resulted in me filing bankruptcy. After the bankruptcy discharge, Wells Fargo never updated my credit file, even after the 10 years it took to remove the bankruptcy off my file. The calamity that Wells Fargo caused has damaged not only my life, but my trust in the banking system and the governing bodies that regulate them. I went through the mediation service provided by Wells Fargo, and again, another attempt to cover up the damage caused, and created by Wells Fargo took place when the representative lied and stated Wells Fargo didn't believe that mistake they made caused the repossession. Now Wells Fargo wants me to sign a lie in order to receive XXXX they offered from their massive mistakes with the loan I had with them. Wells Fargo final response was, seek legal action against them because they have exhausted what they will do. I want CFPB to protect me the consumer by helping me to fight against illegal and unlawful practices just as CFPB did with File No. 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 2017-05-31
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My  Auto Lease  payment was due on   X/XX/2017    . I made my payment early on   X/XX/2017     in the amount of {$560.00}. I used the link when I log into my  GM Financial  account, selected payment options for Credit Card, clicked on the link for  XXXX   XXXX    XXXX   XXXX  . When I click on the link from there website It ask me to enter the Bill Payer, I entered  GM Financial a nd a drop down came up to sele ct GM   Financial Leasing  or  GM Financial (  I have a lease ). I enter in my account number  XXXX , continue to enter my payment amount {$560.00} and  XXXX   XXXX  confirms the payment and I paid same day service  2-4  hours.  <P/> After I get my payment conformation via  XXXX   XXXX   XXXX  numbe r M  oney Transfer Control Number  [ MTCN ] is :  XXXX   AUTH CODE  : Conformation #  XXXX  I contacted  GM Financial  several times asking them if they received my payment, I keep being told no payment received. On  XXXX  I finally spoke with a Supervisor name  XXXX  on  XXXX / XXXX /  XXXX   and I did  a 3  way call with  GM Financial  and  XXXX   XXXX . The  XXXX   XXXX  representative verified with Supervisor at  GM Financial  that my payment was accepted with  GM Financial  on  XXXX / XXXX /  XXXX  , so now its up to  GM Financial  to apply my payment to my account. The supervisor said he would send this info over to their payment processing department so my payment can be applied to my account.  <P/> Today   XXXX     I check my online account and I still see payment has still not posted. I contacted an online chat rep with  GM Financial, an d the chant rep said the payment still not received. And they will expedite a request with their payment processing department.  <P/> At this point this is taking too long to apply my payment to my account, my Credit card has a posted charge deducted for the payment and  XXXX   XXXX  has confirmed the payment on same date   XX/XX/2017     and  GM Financial  has confirmed the payment and still they have not applied my payment to my account, causing me account delinquency.  <P/> I am requesting that my payment be applied to my account effective immediately dated   XX/XX/2017    , and report my account with all  3  credit bureau s ( Paid on Time, Never Late )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
To the attention of Specialized Loan Servicing : #  XXXX  After man y attempts to resolve the issues that have been submitted in prior complaints, there has been no effort or attempt to investigate or look into the issues we have brought to the attention of Specialized Loan Servicing ( SLS ). I have informed you that these documents alleged to be my loan agreement are not the papers I signed at any time. So it stands to reason you have no authority from me or my wife to be collecting o n papers I did not authorize.   PLEASE NOTE TH AT ALL PAST, PRESENT AND FUTURE PAYMENTS ARE MADE AND HAVE BEEN MADE TO PROTECT US FROM HARM AND ARE MADE UNDER PROTEST AND WITHOUT PREJUDICE.

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 2018-02-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My primary residence was foreclosed on XX/XX/XXXX.  VA paid the debt and assumed the loan, that I had with Wells Fargo Bank N.A.  Wells Fargo sent me a 1XXXX form for XX/XX/XXXX taxes.  I should have also received a 1XXXX to cancel out the debt per the VA, due to the fact that they paid the whole loan off  plus some.  My original loan was for $XXXX and Wells Fargo is stating on the XXXX   form that I am liable for $XXXX.   Fair market value of the property is $XXXX.  The VA recommended me to contact me to let you know what is going on. I contact Wells Fargo on XX/XX/XXXX and spoke with the Escrow Department about the 1XXXX and the 1XXXX form.  The young lady stated," In 7 to 10 I may get a new XXXX   form without box 5 checked holding me liable for repayment of the debt or a XXXX form".  This is not the first time I have had a problem with Wells Fargo.  Earlier in XX/XX/XXXX the residence in question was supposed to sale go up for foreclosure and it did not because Wells Fargo forgot to publish the sale in all the local news papers.

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 2021-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving several calls from " Portfolio Recovery, '' which I looked up and learned is a debt collection agency. I do not owe any debt, I have also checked my credit report to confirm this. They leave voicemails without any message so I am unsure if they are attempting to collect a debt from me or not, and if so, what it may be. I have not received anything in the mail, which further suggests to me that this is an erroneous repeated robo-call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Iberia Bank increase the amount of my escrow by an incredible amount. I call customer service and also went into the local XXXX, La. Branch to get an explanation, but no one could or would give me and answer to the increase. I was informed to just continue to make my regular monthly payment until the matter could be sorted out. My credit to a big drop in XX/XX/XXXX and when I check it, I found out that Iberia Bank had charged off my mortgage in XXXX of XXXX. I did not receive any notification of such and event. According to the charge off date and the delinquency date on my statement, I was 3 month delinquent, when the full charge off when induced. I was offered no aid or help in trying to get this matter resolved. I am asking CFPB to aid me in getting this matter straight so that I may get my mortgage back into a current status.

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 2022-07-08
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I was working through Pay Pal and a transaction was made for {$1500.00} to a XXXX XXXX through Pay Pal. After sending the money I was informed that this person was a scammer and I immediately reported it to Pay Pal. They opened a case, Case # XXXX but it was closed. The person was a scammer and not the person the money was intended to go to. Pay pal will not refund my money even knowing it was not a real person. The whole transaction was a scam. Please help refund this money. It has been a horrible experience and Pay Pal will not help me get a refund. Thank You, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loan depot ran an escrow analysis of our loan incorrectly, not taking into account our tax exemptions. This created our monthly payment to more than double. We have sent them the documentation reflecting our tax exemptions from our local county. This has been going on for months now and they are not accepting our payments in the normal amount ; instead, they are requiring us to pay the new ( incorrectly larger ) amount. Now our payment is 2 months behind and we have received letters stating that our loan is at risk of being foreclosed. This is the second consecutive year that this has happened to us. Last year it took them over 6 months to correct the issue, having us to take part in a forbearance program only to receive a refund over {$6000.00} in XXXX after finally correcting the issue. This is a VA backed loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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:
RE ACCOUNT XXXX Nissan is reporting illegal late payments on my XXXX bureau they are in violation of the FCRA law which I have attached for them to a look. I have not given the consent to report anything on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX. The owner has been trying to get Ditech to pay us so we can get started but can not get them to release the funds they have in escrow from the insurance company. The owners have given me authorization to speak with the mortgage company on their behalf. The autho letter was sent last week along with me faxing it today. They tell me it will take up to a week before they can speak with me. The owner has been waiting for them to pecessour first draw for well over 2 months now. They have the money but keep adding to the requirements to get it.

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: 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: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

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 2016-05-31
Company: Ditech Financial LLC
State: MT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX sold my second mortgage to Green Tree/Ditech financial while I was applying for a mortgage modification. Thus I was unable to have my second mortgage reduced or eliminated under Federal guidelines. Ditech, knowing this was the case has refused to negotiate in good faith.

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