BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN took such a hostile, surprise attack on my home loan in good standing, bank owned it after accepting {$5000.00} XXXX incentive applied to principal for never being late on loan payments and {$760000.00} XXXX funds, such a hostile act that the public has trouble understanding it. People ask me if I 'm SURE I did n't miss a payment ... .they do n't want to believe a bank would do this. The shock caused me to be XXXX for several hours, which was horrifying because I am the XXXX for a very XXXX young man. I have attached the details about how LONG Ocwen is taking to make the repairs they promised to make. Rather than accept that the way they demolished my credit with XXXX was the reason it was difficult to restore, they simply blamed XXXX like they had previously blamed XXXX. It was OCWEN 'S fault it has to be repaired in a certain way ... due to the unusual way OCWEN removed the trade line from XXXX, within the context of a simple XXXX Dispute dated, XXXX XXXX, XXXX which simply asked if they could show I had always paid my home loan on time since XXXX XXXX, XXXX. Ocwen 's response was vicious and impossible for XXXX to make sense of because they had no way of knowing it was just part of a blitzkrieg of harsh actions Ocwen was raining down upon me and my XXXX son XXXX. XXXX it was presented only as a response to my request to have more of my perfect payment history showing. Ocwen 's attitude about correcting the damage they created has been to blame XXXX In the meantime my son is getting sicker while we wait to resolve these issues so I can get a loan XXXX. He may be XXXX by the time Ocwen resolves the damages they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX sent a debt validation letter and nothing was sent back to me in return. Then sent another letter of no response from the debt validation on XX/XX/2021 and still have not received anything from the debtor. They are not in direct violation of the FCDPA and I demand removal of this debt being they are pass the validation timeframe and have not shown proof of the requested items for validation of these debts. Attached are the letters that was sent for validation no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
OCWEN assigned a XXXX ( in the " specialized cases '' department ) to handle the delinquency matter ; this person has not been available and returned only XXXX of the messages that were left. When further attempts were made, this XXXX had left a voice box greeting notifying callers that they were out of the office for a specified amount of days. When attempts were made to gain information on the account we were told that only that XXXX XXXX could answer questions, no one else in the company would be available to provide any information. The only remedy they proposed was to leave a message with the XXXX supervisor so that a new XXXX could be assigned or leave a message with the assigned XXXX and await their return call. This matter is urgent with severe delinquency and mortgage foreclosure pending yet there appears to be income sufficient to warrant a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, received a loan modification from Ocwen Loan Servicing, we were behind in our payments, by XXXX of XXXX the modification expired, and I was to obtain a loan., I applied to XXXX , HUD , Keep Your Home California and several private lending agencies. Ocwen gave us a loan for 6.25 %., this is outrageous., I paid them on time for 6 years, I was never late, and my FICA score was XXXX. The investor is XXXX. The Department of Justice instructed the banks to work with the homeowners for low interest loans., We applied for another modification about XXXX times, and OCWEN refuse us every time. 
This started in XXXX when our home taxes were behind, and Ocwen stated they would impound the taxes., well they did until they were brought current., unaware that they stopped paying the taxes, they got behind., we then took a {$40000.00} second on the property from XXXX ( XXXX XXXX XXXX ) , predator loan, to pay back taxes. Fast forward to XXXX XXXX, the XXXX is due ( {$40000.00} ), they refused to give us time to pay, unable to pay the full amount ( XXXX ) XXXX filed for " Foreclosure. '' My husband and I faced with option of losing our home filed for Chapter XXXX Bankruptcy. 
I know you do n't want to hear customers private lives, but XXXX in XXXX XXXX, I had XXXX in XXXX/XXXX/XXXX, we are both XXXX., we are both on Social Security, and choking trying to make the payments. I still try to work and my childrenhelp us financially, when they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Servatus 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:
{$16000.00}. This is not my debt.

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 2021-06-30
Company: Executive Credit Management, Inc
State: PA
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:
Debt collector EXECUTIVE CREDIT MANAGEMENT furnished unvalidated and fraudulent information on my consumer report without my ( the original creditor ) written authorization pursuant to federal law. 
Ive sent debt validation and cease and desist letters with and invoice ; as well as an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an email to an address I rarely use from Power Finance saying they were not able to grant me a loan. It included a Notice of Adverse Action that did not contain any of my information. 

I never applied for a loan with them and when I responded to the email they wanted me to call and give them my personal information because they could not pull up any account associated with my email address. 

Of course they can look up the application/account by the email address but they wanted to get more of my personal information. 

I responded again pointing out that it was them who contacted me and it is absurd they can not pull up an account via the email address. 

I received a response from someone there stating the name listed on the application ( yet not the XXXX ) was not mine and since it was not in my name they would refuse to provide any information. 

Clearly they are using the bogus XXXX 's as either a marketing scheme or a phishing scheme to get XXXX from unsuspecting people. 

The email address they sent the bogus XXXX to is XXXX I have attached their " XXXX '' It is very clearly missing information required by XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We could not make our mortgage payments. We tried to do deed in lieu. Ocwen Loan Servicing kept sending us letters that are deed in lieu is the process. We tried doing a short sale before that but do to storm XXXX no one would buy. We waited almost 3 years with a run around from this company saying are deed in lieu is in process. Every time we tried to contact them they said they are missing a paper. They would say same thing no matter even when we resubmitted it. No would ever contact telling they needed the info. They told us that we did n't have insurance. To make a long story short, they basically made us wait so are bills would be outrageous. They finally accepted the deed in lieu last year. Now the tax XXXX says house is only worth XXXX. That is a total lie. My tax consultant said I would owe about {$40000.00}. They should be responsible since I had no way to contact these people. They outsourced calls to XXXX. No one ever listened to you. They would say I would have to wait.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: FC HoldCo LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2017, I purchased a vehicle from FLAGSHIP CREDIT ACCEPTANCE, I was being XXXX a month later so I returned the Vehicle to dealership two weeks after purchasing. My deposit of {$3000.00} was never reimbursed and the car was sold to another consumer for {$19000.00}. They reported the account as charged off for the amount of {$4800.00}, but they are still the account holder for the past four years. All my communications and disputes has bore no result. This has been hurting my credit for the past three years and they refuse from removing it.

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 2021-10-02
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I will attach a letter further detailing what went on, but basically, I bought a new car, the dealer never terminated the insurance with the old car, my new insurance guy said to ignore it as it will automatically be taken care of. I did that. Then months later I was informed the bill, which I don't owe, was sent to a credit collection agency and they've put the false debt on my credit report, thus damaging my credit. 

This is the 2nd time XXXX has screwed me over which is why I'm taking this issue to you after having a 2nd effort with the XXXX to resolve this new issue unsuccesssfully. 

I have provided ample proof I do not owe this debt and resources for them to call to verify which they have chosen not to do. I do not owe this debt and want it off my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Ocwen Financial Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this acct was a result of identity theft and still reports on my credit report i have obtainted reports and notarized statement of id theft ftc complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: TX
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:
After sending in several dispute letters via USPS certified mail to Equifax, they have failed to legally investigate and delete several inaccurate accounts on my consumer report. They are willfully furnishing this inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. They have ignored my direct correspondence and attempts to resolve this issue directly. I have attached my Affidavit and other dispute letters I recently sent to Equifax in the past. All these documents have been sent directly to Equifax in the past 120 days and they have ignored them all. All my previous documents and Affidavit clearly show how Equifax is in direct violation of the Fair Credit Reporting Act 15 USC 1681i ( 5 ) by reporting inaccurate information. Unless Equifax takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Equinox Financial Management Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX customer since 1977 for business and home ... called for service to business account ... was told business sector had been sold..we do not do that anymore ... .cancelled service which we paid quarterly ... .approx 6 mos later XXXX collection agencies contacted us to collect for services. We refused to pay what we did not owe. The XXXX people are rude uncooperative and unprofessional ... ..read the internet reviews..this is almost like a predatory blackmail to keep your credit good.

Company response to consumer: Closed
Consumer complaint received 2016-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had a 15 yr boat loan with Bank of America. In 2002 I had work issues and fell behind. The bank offered to grant me a 2 month extension so that I could get caught up. Some years I was offered the same 2 month extension since I had once again fallen behind. The loan has now matured, payments were on time and even extra was applied but they tell me that I owe the interest on the extensions. So the extension in 2002 I still owe the interest, which has been accumulating for the last 13+ years. My statements never reflected this in the amount shown due for the month. I even paid extra and the next month the amount due would be less than the original payment. Bank of America offers these extensions but never tells the customer that they will be liable until the 2 months are paid back. They just tell the customer that they will be put on the end of the loan. So at a little bit over a dollar a day in interest, they want me to pay them immediately {$4500.00}. I told the bank today that if the statement would have showed the accumulating interest I would have paid it off many years ago. This is such a shady way to do business.

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 2021-06-30
Company: Upstart Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have these accounts that are not mine nd i want it to be remove from my credit report asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Our USDA mortgage is with BB & T Home Mortgage. We understood that we could have our COVID forbearance extended to 18 months due to the fact that we requested forbearance prior to XX/XX/2020. BB & T states this is only available for XXXX XXXX and XXXX XXXX mortgages and that our USDA mortgage does not qualify for the extra extension to 18 months. My husband was in the hospital for an extended amount of time due to COVID. We were hoping for the extra time to pay off the hospital bills before we resume paying our mortgage. I am very disappointed that they are not following what has been laid out.

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 2015-07-14
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
ocwen hasnt updated my credit report since 2012. i 've contacted them several times and they give me the run around much like when they fraudulently foreclosed on me in 2012.ive asked them also what house was sold for on foreclosure they will not tell me nor was a deed of trust filed with the county it was sold in. they bounce me around to XXXX and back to them and i get no where. im trying to get approved for a home loan and this is my hang up says my mortgage officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They called to inform me that an account of mine had been turned over to them. I was unaware of that being done and when I asked for a letter confirming it they said XXXX was sent out in early XXXX. I never received it. They have contacted me XXXX since then and both times I asked for written verification before agreeing to make payment arrangements. Both times they pretty much refused and the XXXX time I was referred to their website to sign in and see it online but I was unable to login at all after trying several times. The last time I was contacted I told them that until I received written verification I would not make payment arrangements, told them it was my right to do so and they were rude saying things like, " How do we know you will get the letter if you have n't gotten the last XXXX? '' assuming that I was lying about not receiving the first communication. No matter how many times I stated my right they still kept trying to get me to setup payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have requested full documentation for this account ( per the FCRA and TILA ) and have never received it. Yet they continue to report this. It 's causing me a lot of hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Alorica Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On or before XX/XX/2016, Global Receivables Solutions , Inc. called my estranged father-in-law regarding my medical debt. The company gave him the amount of the debt and where the debt originated. He now knows about my hospitalization and this is not a person I want knowing anything about us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit file and I realized Speedy Cash was listed on my credit report from a collection that was placed in XXXX 2009 for {$270.00} I contacted the representative and I stated I do n't recall a having a pay day loan from speedy cash and that I am a victim of theft. The representative insisted on saying I was still responsible for the account. I received threatening phone calls from a representative stating I had to pay the account within 30 days are legal action will take place on my personal property.

Company response to consumer: Closed
Consumer complaint received 2016-08-10
Company: CURO Intermediate Holdings
State: OK
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I had applied for a payday loan with speedy cash in XXXX. This loan was not paid back on time, so the lender turned it over to a third party collector. XXXX had several lenders that was trying to collect funds on behalf of other lenders I had payday loans with. Loan shop, XXXX ect ...., but I was told that all these lenders were paid on XXXX XXXX XXXX. Speedy cash is still reporting my account delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This bill should have been paid by the state of Nevada. I was XXXX at XXXX XXXX XXXX XXXX and XXXX Nevada XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Therefore I Was a XXXX and not responsible my medical services. Not only that, I am a XXXX veteran and all medical bills are covered by the Veterans Administration. I was never notified of this dispute until seeing this last week on my credit report.

Company response to consumer: Closed
Consumer complaint received 2016-04-17
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We recently purchased a condo in XXXX XXXX, CA. Our lender : Caliber Home loans. Mortgage payment were set up as a direct deduction from my bank account. Since we travel extensively, I returned to the condo on XXXX XXXX and found several delinquency notices presumably to me from a company called XXXX. They bore an incorrect middle initial. We were never informed by XXXX or XXXX of any changes to our loan. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I need assistance with two issues. In XXXX 2016, while in Chapter XXXX Bankruptcy. I signed an agreement with Caliber Home Loans to do a 3 month trial loan modification. As of XXXX XXXX, 2016, I 've been in a 90 trial loan modification and keep receiving calls and literature from real estate agents because my home appears to still be listed in Foreclosure status. 

Also, my mortgage was FHA Fixed. Somewhere over the past few years itt was switched to a Conventional. But I 'm not sure if it 's fixed or adjustable?

Company response to consumer: Closed with explanation