BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-02
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX Il XXXX This company took over our mortgage servicing in XXXX 2014 They were n't sending statements but we sent our monthly pmt ( principal and interest only on this loan ) We pay tax and insurance After a couple months they started taking a monthly escrow from our pmt making it look as tho we were not making a full pmt They also did not apply my pmts to our loan but held in what they call " unapplied funds '' I sent copies of my checks and tax and insurance receipts to their research dept ( with letters as well ) They closed that account and sent me a check with the money that was escrowed out ( that needed to be applied to our loan! ) I sent that back In XXXX oof their letters they were saying they were still waiting for XXXX 2014 pmt! They took over the loan in XXXX! They even sent us something saying that Then after a couple months they started the escrow thing again They send letters of defaullt constantly! XXXX were sent in XXXX this year XXXX was certified They charge MY account for their cert charge! Happened more than once! It is on our credit report as a delinquent loan We went to small claims court and was awarded {$12000.00} in damages They sent an attorney to represent Ocwen but he is not producing any action he promised to institute regarding bringing our account current I know this company is a disgrace to the industry We are distressed and need help We are never late or missed any pmts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
America First is reporting a late for XX/XX/20 and this is not my fault, I recently took a look at my credit report and noticed this late was showing. I had already spoken to them about this because I was in the hospital for months and we had to move due to my health. I changed my address on everything, even with the postal office but somehow America First kept sending my statements to my old address. I wasn't aware about any balance and never got a call saying my account was going past due. I immediatley made a payment as soon as I found out. I called America First and explained that they were sending my statements to my old address and since I was out sick, my wife was taking care of things and unless she gets a statement there is no way for her to know if I have something to pay. America First ensured me this would be removed but it's still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Receivable Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2017 I received a notification of a debt that is owed. When I search the Florida database regarding this company to collect a debt from me they are n't licensed in the state of Florida. This company is in Louisiana. I have not received a detail of the original debt to show this is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
They sent letters stating they would resolve the issue and they never followed through by the dates they said they would instead thet past it off to XXXX. 
They said they would modify then they sent the payments back. ( see attached letters ) They have been holding me financially hostage since 2010. I have a family to take care of I 'm a single mother and the only income earner and now have a 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
Consumer complaint received 2015-07-27
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a XXXX year 4.75 % fixed FHA loan originally with GMAC mortgage and now currently with Ocwen Loan Servicing , LLC . My monthly payment including escrow and insurance was {$2700.00}. An escrow analysis was carried out in XXXX XXXX, 2015 and the escrow shortage in the amount of {$440.00} was generated. I paid {$2800.00} in XXXX and was posted on the account on XXXX, 2015. In XXXX, I paid {$2800.00} and it was posted to the account on XXXX XXXX, 2015 and in XXXX, I paid again {$2800.00} on XXXX XXXX, 2015, on XXXX XXXX, 2015 ; I paid the Escrow shortage in the amount of {$440.00} as requested. My monthly payment was not adjusted to reflect my fixed monthly payment in XXXX. I wrote a letter dated XXXX XXXX, 2015 requesting another escrow analysis to reflect an adjustment to a monthly payment of {$2700.00} which was the original payment. I got a letter from the research department that the monthly payment due on XXXX XXXX, 2015 will be {$2700.00}. Hence, the complaint that the action taken by Ocwen Loan servicing is unfair. How can the terms of the loan be changed to affect my monthly payment from {$2700.00} fixed payment to {$2700.00} especially when I have made up for the escrow shortfall as the last analysis reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Integrity Solution Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a medical collections showing on my credit report that was reported to the credit bureaus on XX/XX/XXXX. This medical bill was paid in full to the original credit back on XX/XX/XXXX. According to the original creditor this should not be showing on my report and this company is not authorized to contact me regarding this 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 2017-08-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXXXXXX I disputed a XXXX account when I noticed it on my credit report. Mid XXXXXXXX Early XX/XX/XXXXXXXX I received a phone call from a debt collector stating that I owe {$1100.00} to XXXX. I told the debt collector that I 'm disputing this debt and submitted in writing for them send me information for this debt to which I never received. XX/XX/XXXXXXXX I pulled my credit report and saw this debt was still being reported to both Experian and XXXX . Again, I submitted a dispute to both credit bureaus requesting more information about this debt and I still have n't received. XX/XX/XXXXXXXX I checked my credit report again and not only is this item still on the same two credit reports but XXXX re-aged this account to make it appear more recent. As a result, this account is showing on my credit report as 1 month past due, a charge off and my credit score dropped at total of XXXX points on Experian and XXXX. I 'm not sure how this can be especially considering that this account has been in dispute since XXXX. Negative re-aging completely illegal and is in violation of the Fair Credit Reporting Act.

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 2017-08-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX- I disputed a XXXX account when I noticed it on my credit report. XX/XX/XXXX/ Early XX/XX/XXXX- I received a phone call from a debt collector stating that I owe {$1100.00} to XXXX. I told the debt collector that I 'm disputing this debt and submitted in writing for them send me information for this debt to which I never received. XX/XX/XXXX- I pulled my credit report and saw this debt was still being reported to both XXXX and Equifax . Again, I submitted a dispute to both credit bureaus requesting more information about this debt and I still have n't received. XX/XX/XXXX- I checked my credit report again and not only is this item still on the same two credit reports but XXXX re-aged this account to make it appear more recent. As a result, this account is showing on my credit report as 1 month past due, a charge off and my credit score dropped at total of XXXX points on XXXX and Equifax. I 'm not sure how this can be especially considering that this account has been in dispute since XX/XX/XXXX. Negative re-aging completely illegal and is in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase has disabled my account. Support is not responding. It's been weeks now. I've opened cases and contacted them dozens of times. I filed a formal complaint with Coinbase online. No resolution still. I've lost tens of thousands b/c I can't access or view my account or execute trades. Their lack of response and support is criminal. They've hijacked my account and money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-17
Company: AKT AMERICAN CAPITAL, INC. DBA AMERICAN CAPITAL CORP.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I called ACC Temecula Home Loans to get information about the Section XXXX XXXX Home Loan. Their website says they are specialists in XXXX loans. I found out that they are not approved to offer the XXXX loan. When I called to ask questions about working for them and being a Loan officer they assured me I could offer this loan to clients. This just seems like false advertisement and bait and switch to me. This is not right for XXXX that want the XXXX XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had student loan debt. My tax returns were offset and when I retired the payments were garnished from my retirement payments and sent to the treasury department for disbursement for loans. In late XXXX I received a payoff letter. currently I have delinquent loans on my credit report however as of today XX/XX/XXXX those loans are listed with XXXX as having {$0.00} balance. XXXX is stating I owe for a loan that XXXX is reporting has {$0.00} balance. Talking to a representative of Navient I was told that the loan was probably transferred to XXXX. If so. why is XXXX still reporting on the same loan for the same exact loan type and disbursement date that XXXX is reporting with no balance as of today. Im confused and my credit is bad. The loans are Group ID, XXXX XXXX and 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 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I disputed the inquiries via internet to all 3 bureaus and Im. It getting any where this inquiries were not made by me at all

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 2021-05-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received 3 phone calls from them between XXXX XXXX  and XXXX XXXX  from a restricted number when i advised them they cant do that it is harrassment i was told it doesnt matter we can call you 9 times a day regardless of how far apart the calls are. Also they are not calling from a number i can call back to, they dont say the calls are recorded for quality insurance, that the calls are intended to collect a debt or any of that in their calls. This is unacceptable. Ive missed 1 payment due to being out of work due to emergency XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04
Company: CHECK INTO CASH INC.
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
there was a loan with check n cash and XXXX finance in my name and i didnt authorize a loan in my name. the company did not ask for any address, identification, or income verification. They said it was sent to an XXXX and i do not bank with XXXX. I called the bank but they have no account in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I believe my case falls under the predatory practices by Navient along with the XXXX XXXX of XXXX. The XXXX XXXX was sued but I have not recieved anything about my account from the school. I have so many issues with both companies and am at my wits end on both. I attended XXXX between XXXX and XXXX with which I had to struggle to finish as I had XXXX within 8 weeks-one being my grandmother on XXXX and another being one of my brothers from a tragic death and to put my oldest son into the hospital for trying to XXXX after his uncle died. It was a miracle that I pushed myself through my XXXX to finish. I do not believe I was fully counseled when I first applied to XXXX and do not feel like I got the help needed when I finished. I took their word on job placement, tuition, use of my degree, and applying for aid. I found out only about in-state and out of state tuition prices when my son started to apply for colleges in XXXX. I was not counseled on taking a degree part time would cost more than a full time degree in less time. I took their word on everything as they were the experts and they would n't steer a student in the wrong direction. Needless to say, I did receive an XXXX and can not get a job with it at all in the XXXX area. I was without a job-except for a short time that I offered myself as a XXXX. I was not paid-in hind site I was used again. I finally gave up and decided to go out on my own and try to make it work as my own business. During all of this time, Navient kept putting me into forbearance. I was never counseled on any other payment options until recently. So it has come to the point that my degree that should have been approximately only {$20000.00} total at the time for an XXXX tuition has now ballooned over {$85000.00}. When I downloaded the form that lists all of my loans and disbursement dates, I found something else that completely stands out as something is wrong -- -all loans are approx {$3000.00} but there are three that I was charge approx {$10000.00}. I do not know if this is a screw-up in accounting and the school just took it anyway? It just stood out like a soar thumb. I do not know how to go about finding what the amounts directly went to. Even though I do not have anybody as a co-signer, I had to put references and now my mother is constantly inundated with phone calls about my loans. She is elderly and has nothing to do with this. I tried to remortgage my house to roll the loans into that payment with the equity I have built up, but I can not remortgage due to my credit with the student loans. HELP PLEASE! I do not know where to begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was attempting to pay off student loans held with XXXX on XXXX XXXX, while I had a payment auto-scheduled to draft for {$200.00} on the XXXX. I was instructed by the XXXX associate to have my bank, Bank of America, place a stop payment on the auto-draft amount thereby allowing the full payoff of {$9600.00} to go through. The BofA representative on the phone never read any disclosures, and clearly understood that this was supposed to be for a specific amount as I explained the entire arrangement. Consequently, both payments were rejected resulting in accrued interest and possible late fees from the lender. Subsequent attempts to resolve with Bank of America have been fruitless, as they claim I was read ( and that I accepted ) a waiver describing a full stop payment to a third party.

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 2017-04-28
Company: National Credit Systems,Inc.
State: FL
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:
First contact with  National Credit Systems :  This debt appeared on my credit report however, the company could not verify what the debt is for and did not send a validation of debt when requested. Never received notice of this debt before it was reported to credit.     Second contact with National credit systems : they provided me with an attorney 's contact information who stated if the debt was not paid there would be a possible lawsuit against me. I asked them what the debt was for abs they could not verify the debt or explain what it was for. They said they would send something in the mail. I never received the validation of debt from the attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I received a XXXX tax from from Bank of America XXXX for an XXXX distribution of {$7000.00}. I do not have an account with them and never been a Bank of America employee. After numerous calls, I was told that it was a fraudulent account opened under my name. I have requested since XX/XX/XXXX for a revised XXXX that show {$0.00}, I am still waiting to receive 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 non-monetary relief
Consumer complaint received 2022-08-24
Company: Checkr, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
The company in question is Checkr background. The company has cleared me twice, once in XXXX of 2022 and again on XX/XX/2022. Applied for a different driving company on XX/XX/XXXX, and Checkr still has not completed the screening and has provided the same boilerplate response several times that no two reports are the same. This intentional delay has impacted me financially. After looking at XXXX  this seems to be a common practice of this company. On a side note, I had a federal background done for my XXXX  and passed as well. Also include per FCRA how they obtain/verify any information included, and verify if they have 3rd party permission to access Arizona 's DPS repository for criminal records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Bridgecrest Acceptance Corporation
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: Account status incorrect

Complaint:
Upon reviewing my credit report I noticed that Bridgecrest was reporting on all three of my credit reports XXXX, XXXX  and XXXX  a 30-day late for XX/XX/2020 in regards to an AUTO LOAN. I reached out to the company to provide me with valid information and paperwork in regards to this 30-day late item showing I was in fact 30-days late. Bridgecrest company REFUSED to provide me with the information I request. In addition, I requested that they immediately delete the inaccurate 30-day late payment from all three of the credit reporting agencies XXXX, XXXX and XXXX but Bridgecrest refused to accurately update my credit reports. During the XXXX when Bridgecrest stated I was late, I literally no longer owned the car at the time. It was TRADED IN at the DEALERSHIP in the month of XX/XX/2020 and I DID not OWN the car. I have not been able to resolve this issue with the car company, or have my credit report updated accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon being told by the VA that I was no longer able to pursue a career in XXXX I then took the steps to have my loans forgiven as I was in the process of becoming a XXXX XXXX XXXX  XXXX XXXX Veteran. I had my physician at the VA fill out paperwork certifying that I was no longer able to pursue a career. My injuries sustained while in the service were the reason for me being approved by the VA for XXXX XXXX XXXX XXXX XXXX. I have submitted all the required forms to XXXX XXXX including a letter signed by my physician at the VA acknowledging that I am XXXX  XXXX XXXX XXXX XXXX veteran. Paperwork was submitted in XXXX 2010 return receipt signature required. Account # XXXX XXXX {$8500.00}, # XXXX {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief