BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Hi, I was XXXX enough to fall for a scam. I was selling a table on an app called " offer up. '' A girl messaged me that her dad was interested in the table so she asked me to e-mail him XXXX. I emailed XXXX and he said he really wanted the table and he would give me an extra {$50.00} if I took it off the site and I held it until his movers could come get it. He was apparently moving into a new apartment and was away on business so his movers would be taking care of everything. He said he would be mailing a cashiers check to me so once that cleared they would come pick the table up. A few days pass and he emails me that his assistant made a mistake and instead of writing XXXX checks, she put everything in my name. So for my {$150.00} cut he sent a check overnight for {$2600.00} through USPS. I was skeptical when the check came but it was a XXXX check from a constructiion company in XXXX. I googled the company and it is listed as a licensed company so I thought I would help this guy out. I really cant believe I deposited the check ... ..I cant stop re-living that stupidity. Anyway, the check was deposited on a sunday and by tuesday it cleared. " XXXX '' asked that I send the {$2500.00} to the movers Bank of America account. I did this and 15 mins later my account was frozen and negative. This guy is a real piece of works. Once I found out what happened and filed a police report, I decided to mess with him. I emailed him that I never heard from the movers and did he know when they could pick the table up. He just told me this am that there was a problem so I could keep another {$50.00} and to deposit the rest to XXXX in Indiana. Now Im just messing wity this piece if XXXX. How can bank of America not flag this account? I doubt its the first time this happened yet it seems the scammer is protected by bank which only enables them to kerp doing 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 2016-07-27
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am one of the owners of a house in foreclosure located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I am a homemaker and wife of a XXXX Veteran who abandoned the property and thus left me with no means by which to sell off the house. The house went into foreclosure and I moved into my mothers home with my children. The mortgage company Ocwen has pursued me because my husband did not have an address of contact until the past year. Despite attempts to have them seek him out, since the mortgage is a VA Loan and he would be able to make arrangements through the VA to put the house up for sale or refinance at a lower rate to make payments, they still today call my mothers home phone number day and night, weekends and otherwise. We have even been disrupted during our sacred holidays. They have harrassed myself, my family and my neighbors. Just when you think that it was finally over, today in my mothers driveway lay mortgage paperwork, uncovered and opened with all of mine and my husbands personal information for anyone on the street to see : our ss # 's, dates of birth, etc. Who does that? Why wo n't they send my husband notification to go through the VA? XXXX XXXX XXXX resides at XXXX Twisted XXXX XXXX, XXXX, North Carolina, XXXX. The attorney firm that did this is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX : XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Fax # XXXX File # XXXX, for Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX I would ask the FTC to please intercede on my behalf and ask these people to stop the harrassment, I am a homemaker, with no income, my husband is retired and receives a pension from the military, and homeland security. They should be seeking him out to look for closure to this foreclosure as this is a VA matter, and I can not intercede and do anything to rectify this situation, and yet time and again, they turn a blind eye and refuse to look any further then myself living at my mothers residence, How dare they share my personal information with on my mothers driveway at her property address with her neighbors, strangers and passerbys!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I WAS LIVING IN AN APARTMENT COMPLEX WHILE I WAS IN THE MILITARY IN 2009 WHEN I LEFT THE XXXX AND WAS LEAVING I WENT TO THE LEASING OFFICE AND I ASKED IS THERE ANYTHING I NEED TO SIGN OR ANYTHING ELSE AND THE LEASING LADY SAID LOOK AT THE SCREEN WHAT DOES IT SAY AND GET OUT OF MY OFFICE IN A RUDELY MANNER IVE BEEN BATTLING WITH HUNTER WARFIELD BECUASE I WAS AWARE PER THE LEASING MANAGER I OWE NOTHING ITS BEEN 7YRS AND YET I OWE A XXXX BALANCE AND NOBODY CAN GIVE ME THE CORRECT INFORMATION

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a very serious problem. We were just told that the above file was closed out rather than an extension being issued as requested on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX from my firm was told on the phone, on a recorded line that we were okay to close on the XX/XX/XXXX - a day after the approval letter expired. Friday the XX/XX/XXXX was a holiday and therefore did not count for the XXXX disclosure guidelines so we needed to close on the XX/XX/XXXX. 

We closed on the XX/XX/XXXX and the wire was then sent out and the attached documents were sent in to Ocwen. The deed was recorded, the buyer 's loan finalized - no rescission period in Maryland - so the loan has already been sold off to a new owner and then Ocwen returned the wire and asked that we change the XXXX to XX/XX/2016. This is a TRID violation so the title company would not back-date the XXXX after closing on the XX/XX/XXXX. 

I am filing this as a CFPB complaint. We are going to tell the title company to send back the wire as it should have been accepted the first time. Ocwen can not give us approval to close the day after on the XX/XX/XXXX and then a week later tell us that we could not close on the XX/XX/XXXX. This will be a title insurance issue and the buyers and the sellers will sue. 

This needs to be rectified XXXX. We can not re-submit the short sale package - Ocwen needs to do what they said they would do and honor the closing from the XX/XX/XXXX. I am sure that the recorded conversation from XX/XX/2016 can be subpoenaed if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: LA
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 Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) states that any inaccurate information reported on my credit report can be removed, and also I can be awarded XXXX to XXXX dollars in relief if found that damages have occurred. 

I disputed the information through experian, only to have the information provided further incorrect.the two accounts in question were from XXXX XXXX and they were secured loans, the amount of the loan taken did not exceed the amount in the accounts. 

After I disputed it, it listed the loan as taken in XXXX but that my account was satisfactory in XXXX which is inaccurate due to the loan being taken out in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX I took out a mortgage on my home $ XXXX the first few months it was transferred several times until it was acquired by XXXX and I made my payments to them until XXXX XXXX when they returned my last payment and informed me that it was now being handled by Ocwen Loan service and that I would be receiving information from them very shortly where to make the payment. After waiting a couple weeks and not hear from them I contacted XXXX because I started receiving letters for nonpayments and threats of foreclosure. In XXXX XXXX I asked my principal balance it was {$130000.00}. So I contacted Ocwen to be informed it was not all in their system and I would be contacted as soon as everything was transferred. Several weeks later I contacted Ocwen again at that time ask my principal balance. In XXXX XXXX they sent me a payoff quote of XXXX I immediately started disputing it. That is when my nightmare began. On XXXX/XXXX/XXXX I made a payment of $ XXXX Ocwen by wire transfer. In XXXX I made payments in a total of {$22000.00}. Still fighting with them. In XXXX I received a letter of foreclosure. Tired of the fight I Wired {$5000.00} to Ocwen. Thinking everything was done I waited for my releasably of lien to my surprise instead I was served paper on forclosure had to hire lawyers and go to court on our court dated my Lawer provided theirs with all pymt proof, insurance, tax reciepts, and a letter from a CPA stating as of XXXX XXXX Ocwen had been overpaid {$3000.00} so we did n't go to court. A week later my attorney received a letter from their attorney informing him that he was withdrawing from the case because even with all the reciepts and letter Ocwen want to continue with foreclosure. And again I was served papers by a different attorney foreclosing. I met with my attorney that day we decided to contact their attorney settle then file suit for the money over paid and the settlement amount. This was XXXX XXXX he sent their attorney a cashier 's check for the amount of {$3100.00} Again I thought it was over. But I continue to receive letters instead of the release of lien so in XXXX of XXXX I had to stop payment on the cashiers check and have a new one issued because when my attorney spoke with Ocwen he was told ( it 's somewhere did n't know where ) and I had to sign a new payoff Affidavit that stated I was not going to try to recover funds in the suspended account or any overages that I my have paid and could n't make any derogative remarks about Ocwen. Finally on XXXX XXXX I received a letter of satisfaction. ( recovery, release / discharge ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home lone is With Umpqua bank Loan # XXXX, and they ordered Home insurance even though I verified my coverage of insurace with XXXX with Umpqua at least two times ( faxing them my insurance cover sheets. ) Yet they still ordered insurance on XXXX/XXXX/2016 in the amount of {$3300.00} and raised my payment amoung to pay the insurace, so I was paying XXXX insurance companies then I even called and spoke with an supervior with Umpqua on XXXX/XXXX/2016 and we did a XXXXway call, with My XXXX insurance representative, to verify insurance. and the representative from Umpqua said oh good fax/scann the insuracanve verification to us. which XXXX did while on line with my bank ... Yet still they added banks insurance to my loan account. 
This has cost me a financial burden. So Im refinancing my loan, and they are stating I own them the {$3300.00} more on thier payoff for the XXXX insurance. Which means I have to bring the added amount to escrow to close my re-fi loan. I have made numerous calls to have them make a correction, but yet they have not done so. 
This is not right and has hurt me, causing my loan payment to be XXXX/month more. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX account from XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, there were two unauthorized deposits of {$1200.00} at an ATM in NY. See attached page from bank statement for more details. 

On XX/XX/XXXX, there were six unauthorized withdrawals for a total of {$1800.00} made with the " XXXX XXXX ''. See attached page from bank statement for more details. 

I did not recognize the transactions until the there was a withdrawal the bank the attempted attempted to correct the unauthorized deposits and withdrew {$1200.00}. It seems the checks may have represented a stimulus check. I have never received a stimulus check have have not been to New York, nor have any connections in New York. In order for the fraudulent deposits to be made, someone had to have stolen my pin and created a fraudulent card. 

So + {$2400.00} on XX/XX/XXXX, - {$1800.00} on XX/XX/XXXX and then - {$1200.00} in XXXX leaves me down {$600.00}. If the banks try to correct the other {$1200.00} deposit, I would then be down {$1800.00}.

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 explanation
Consumer complaint received 2017-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I disputed this debt which appeared on all 3 of my credit reports. On XX/XX/XXXX, and on XX/XX/XXXX, asking portfolio recovery to provide me with any viable proof of evidence with my signature I owe this debt. I pulled my credit report and still there was no comment regarding consumer disputing which is required by law. Portfolio deleted the trade line from XXXX, but not on XXXX, nor XXXX. Just recently, portfolio recovery updated the account as an Open collection on XX/XX/XXXX, for XXXX dollars. Portfolio recovery has continued to perform non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Also Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts :

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I had XXXX loans with Citi, a XXXX mortgage with Citi Mortgage and a XXXX ( HELOC ) with Citi Bank ; at the end of XX/XX/XXXX I had lost most of my income and business, my house was deeply underwater, and I applied for a re-structure of both loans, which were both assigned to the same loan counselor at Citi. At that time I was unaware that the HELOC described a farm property which I owned adjacent to my home, and not my home. Ultimately the loans were both re-structured, but the payments were not substantially reduced ; I could not make the payments and had to move -- I offered a deed in lieu of foreclosure, but Citi chose to foreclose the XXXX mortgage. In the process of re-structuring the loans, I had discovered the error in the HELOC description, and had requested a corrective security deed ; that request was referred to Citi 's " research '' department, which never responded. After many attempts to get the error resolved, in XX/XX/XXXX, I filed the attached Affidavit in Aid of Title ; in XX/XX/XXXX, I finally reached Citi 's foreclosure attorney and explained the problem ; he promised to " look into it and get back to me '' ; I followed up with the attached detailed written explanation, plats, the affidavit and copies of the XXXX mortgage instruments -- neither the attorney nor any of Citi 's representatives ever fixed the problem or got back to me. In XX/XX/XXXX Citi sued me on the full amount of the HELOC note ( and not the re-structured amount ) using the same law firm I had originally corresponded with. In my response to the suit and other filings I once again asserted that the lien was on the wrong property, but Citi has never corrected the error, I assume in an effort to gain advantage in their lawsuit. It is fundamental that a Home Equity loan can only be on a home, Citi knows that better than anyone, yet they continue to take advantage of an error that they are legally responsible to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-10-07
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a Shared Appreciation Modification Agreement with Ocwen. When I refinanced my house this year, conditions of the modification required that Ocwen would receive a percentage of the equity in the home. This calculation was based on the appraised value of the home, minus XXXX. I submitted documentation for XXXX and Ocwen added additional proof requirements not stated in the modification agreement, requiring they speak with the issuer of all receipts ( with places like XXXX this is nearly impossible ) and would not accept official receipts. I then actually met these additional and unreasonable requirements. Ocwen 's calculations reflected discrepancies in amounts, and denied receipts without explanation. Ocwen prevented me from speaking to the team that was reviewing expenses and doing the calculations. I received a payoff that was roughly {$1000.00} more than I should have paid. They denied several XXXX expenses, first claiming that I had n't verified purchase. This was false as I had to provide contact information for my receipts and verified with the entities in question that they had in fact verified my receipts. I had my attorney write a letter requesting answers to several errors in their calculations. Their response was only a letter stating they had already provided me this information, which they did not. I began my refinance in approximately XXXX and it was not complete until XXXX. The attorney letter and response took several more weeks. This is fraud. I need assistance forcing Ocwen to meet their contractual obligation under the shared appreciation modification to honor the documented expenses I provided, therefore lowering the money that was legitimately due to Ocwen by over {$1000.00}. They have been uncooperative and unresponsive. I have attached a spreadsheet itemizing the receipts I submitted for approval. I have noted where there were discrepancies and denial of expenses. I have summarized Ocwen 's calculations at the bottom, providing what I believe to be accurate calculation directly next to Ocwen 's errors. In addition, I have dozens of emails exchanged with Ocwen should they be required to resolve this issue. My belief is they violated the terms of the modification agreement ( I have attached a copy ) and committed fraud by denying me access to appropriate channels for resolution, consistently connecting me to staff that can not clearly speak XXXX which further prohibits resolution, deliberately adding additional requirements for documentation of expense in an effort to avoid crediting me for those expenses, unreasonable requirements for proof of payment that were not expressed in the modification, and unwillingness to provide clarifying information when my attorney inquired as to all of these issues.

Company response to consumer: Closed with explanation