BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-27
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is in addition to my complaint filed earlier today. 

In addition to my previous complaint:1 ) Ocwen has never answered any of my issues in a timely matter. Every time Ocwen 's time to answer they respond by requesting additional time. And, each time the complaint has been similar still, they ca n't answer and resolve this issue in a timely matter. 2 ) Ocwen has never answered my first RESPA request. This is supposed to be answered within 30 days or be fined a min. of {$4000.00} for non compliance. Ocwen has never paid that fine to me. 3 ) Ocwen continues to mail me - through the U.S. mail monthly mortgage invoices which are not correct. I believe this is a federal crime and is punishable by {$5000.00} for each occurrence. Ocwen has mailed this to me at least XXXX times in the last year. Who is responsible for enforcing this law and how do I get them to pay up?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Have sent multiple letters to all 3 credit bureaus to correct errors on credit report. XXXX XXXX XXXX XXXX charged off/collection account not only has a past due balance but it also shows a balance owed which is HIGHER than the high balance, an incorrect date of last activity, and it still reporting monthly charge off as payment history. This account has multiple violations according to FCRA so I disputed this information with XXXX XXXX and bureaus requesting for immediately removal from all reports. The bureaus instead opted keep the information the same without providing method of verification. This willful act is a clear violation of federal law on all parties side and needs to be resolved immediately as it is negatively affected my credit.

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 2021-01-06
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want to report malicious business practices committed by EOS CCA. They allegedly acquired a debt in my name from XXXX which is currently being reported on my XXXX  credit report. In speaking with XXXX, I have once again confirmed that this alleged debt should be considered invalid and collection efforts stopped. With that said, EOS CCA continues to pursue collection, without viable cause in defiance of cease and desist demands. This includes continuous reports of monthly late payments on an account that should not exist. These false claims have inflicted hardship to myself and family in the area of financial advancement and have created unnecessary stress. I am firmly confident that multiple violations of the Fair Credit Reporting Act are in place. This debt is completely false which will be proven in due time. My hope is that EOS CCA will swiftly rectify this situation, stop all efforts, and remove all negative reporting in order to avoid future escalation. Today 's consumers face many difficulties. We shouldn't have to worry about predatory and unwarranted collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, I contacted the Ocwen Consumer Ombudsman Department regarding the date of last payment for XXXX accounts XXXX and XXXX and requested full statements for these accounts. Ocwen sent me the requested information which reflected a last payment in XXXX, XXXX. I immediately forwarded these documents to the XXXX major CRA 's for deletion due to the 7 year statue of limitations ( XXXX, XXXX and XXXX ). The credit reporting agencies could not accept these due to these documents passed through a 3rd party ( me ) and the possibility of omission or alteration, which I can understand. I contacted Ocwen and made a request that they send the paper statements directly to XXXX, XXXX and XXXX ( under the advice of the CRA 's ). Ocwen stated that they communicate with the CRA 's only electronically. I stated to Ocwen that what they report electronically and the paper statements are different. Ocwen responded that they refuse to send paper statements to the CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: JPMORGAN CHASE & CO.
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:
This account was opened fraudulently and is having serious lasting impacts on my credit scores. I have tried to get these accounts removed from my credit report and have filed a police report and Identity Theft Affidavit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had disputed an account with the three credit bureaus XXXX, Equifax, XXXX  that I didnt have any knowledge of. The account was named XXXX XXXX. It was negatively affecting my credit score. The credit bureaus removes this account on XX/XX/XXXX. I received a notification that my credit score went down 40 points, I was trying to figure out why. I didnt have any collections or any balances or anything. The same account was under a different collection agency XXXX XXXX XXXX on XX/XX/XXXX. Thats not and thats illegal. How can you place an account I have no knowledge of under a different collection agency after it was removed! This is negatively effecting my ability to obtain more credit. This isnt right or Fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
failure to adhere the proper notice requirements for periodic statements when the borrower is 45 plus days past due as listed below. 

DELINQUENCY INFORMATION. 
If the consumer is more than 45 days delinquent, the following items, grouped together in close proximity to each other and located on the XXXX page of the statement or, alternatively, on a separate page enclosed with the periodic statement or in a separate letter : The date on which the consumer became delinquent ; A notification of possible risks, such as foreclosure, and expenses, that may be incurred if the delinquency is not cured ; An account history showing, for the previous XXXX months or the period since the last time the account was current, whichever is shorter, the amount remaining past due from each billing cycle or, if any such payment was fully paid, the date on which it was credited as fully paid ; A notice indicating any loss mitigation program to which the consumer has agreed, if applicable ; A notice of whether the servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process, if applicable ; The total payment amount needed to bring the account current ; andA reference to the homeownership counselor information disclosed pursuant to paragraph ( d ) ( 7 ) ( v ) of this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
i XXXX is now doing this to help clear up my credit with this company call transunion consummer relations they send me a letter out telling me i was credit was denial now i want to have it recheck by some other company and have this company remove off the list of people that keep trying to stop me from getting my credit clear up theu have been doing this for over 7 years now and i am about to get mad over this now it is about time to put a stop to people that do not want others to get head in the world now hope you can see to help me get this done to stop company that do this to other people now thank you XXXXXXXXXXXX

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 2015-09-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am filing this complaint against Ocwen Mortgage Services for misleading advertising and, moreover, for the mishandling of my mortgage Loan, neglecting to pay my homeowners policy from my impounded funds, destruction of my credit rating, personal financial damage and extreme XXXX. The deplorable reputation of Ocwen is no secret to those in financial circles but when their immoral business practices are up close and personal, it begs the question, why are these people still in business or at least why are they not sanctioned for a slogan that says " Helping Homeowners is What We Do. " 1 ) XXXX, 2015 Ocwen failed to pay my homeowners insurance causing it to be cancelled. After more than two months of lies about the payments being sent and numerous 3-way calls with the insurance agency and Ocwen, over two months later the agency received payment and the policy was reinstated. 
2 ) XX/XX/XXXX and XXXX, 2015 Ocwen failed to acknowledge XXXX mortgage payments from my bank bill pay account which were paid on time. After providing them bank documents, they acknowledged the XX/XX/XXXX but not the XX/XX/XXXX payment. Due to the extended time period my bank advised I place a stop payment on payment while the situation was reviewed and replace the payment. I complied. Meanwhile, I expressed my desire to work with Ocwen to resolve the issue so that my excellent credit rating would not be affected. I was lead to believe over the next two months that a letter would be generated internally for use with the credit reporting bureaus to mitigate any damage to my report by noting my consistent on time payment record and acknowledge a system error in funding my loan. After countless phone calls to various levels at Ocwen in their " escalation department '' I received a letter noting they ultimately considered the payment 30 days delinquent. Not only has this destroyed my credit rating I have worked my life to protect, it has impacted my ability to refinance and financially. Moreover, if I would be successful in a refinance opportunity I would now pay a higher interest rate. 

When Ocwen took over my loan from IndyMac I had no say in my loan being sold to Ocwen, Problems at the onset of their takeover, included three months for Ocwen to get my payment process resolved from the previous company. Again, there were no acknowledgement of payments that were transferred from IndyMac to. Ocwen. Ocwen came after me with threats while IndyMac maintained Ocwen had received the payments and had the dates to prove it. I was a victim then and I am still a victim because they simply wont do " the right thing '' by acknowledging their accountability and living up to their slogan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: UT
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: Problem with personal statement of dispute

Complaint:
I have been trying to add a statement to all 3 credit reports but they freeze up and don't go through online. Getting through on phone is impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: DISCOVER BANK
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:
Reviewed credit report in XX/XX/2019 and found a Discover Credit Card was opened using my personal information. Contacted credit bureaus to remove information and was denied due to verification from creditor. No evidence of verification was produced. Contacted Discover Financial directly and they are refusing to close account and remove from credit reports. I have requested numerous times to produce evidence and no evidence has been given showing the account belongs to me. I filed a police report, a complaint with the FTC and complaint with IC3 and  mailed all the complaints along with a letter and verification information ( License, social security card and current bill ) to both credit bureaus and creditor and the account still has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX XXXX XXXX. My Illinois license plate was stolen and I filed a report of the plate being stolen. The individual who stole the plate ran up {$1600.00} worth of unpaid Illinois toll fees. I spoke with the XXXX XXXX XXXX XXXX XXXX and they stated that they do not report to the credit bureaus. I have corresponded with this credit bureaus directly numerous times with no positive 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 2016-07-12
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was notified by OCWEN that my property taxes had not been paid. I called the company and explained to them that I was not required to pay taxes due to a new law passed by the governor. I provided them with all the paperwork and documentation via email @ XXXXXXXXXXXX. I did n't hear from them about the issue therefore I called and spoke with someone. I was informed that nothing had been done with the paperwork. The rep indicated the issue was going to be escalated up. When I called by a few days later I was told that they spoke to my assessors office and they were told that I was not fully exempt. I then provided them with my tax bill from the assessor office that showed I had a XXXX balance. OCWEN has requested a refund but still requires me to pay and escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: Convergent Resources, Inc.
State: OH
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 have a a unverified account from CONVERGENT OUTSOURCING XXXX {$890.00}. I had previously disputed this account. I have never done business with CONVERGENT OUTSOURCING. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CONVERGENT OUTSOURCING Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CONVERGENT OUTSOURCING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: SUNRISE CREDIT SERVICES, INC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My girlfriend received a phone call from a Sunrise Credit Services , Inc. about a week ago. She did not recognize the number and did not take the call. Soon-thereafter, this collection company contacted her number again and she decided to find out what was going on. After she identified herself as my spouse ( which she is not ), the collection agency continued to disclose my information to her without properly verifying. They informed her I had a debt with their organization for a phone bill. According to my girlfriend, this agency disclosed a lot of my personal information. The state of Illinois has a spousal restriction law and also third party disclosure laws. These laws have been violated by Sunrise. Upon contact with me, my girlfriend informed me of what occurred. I asked her to call the number back from her caller ID to see what was going on. When the agent answered the phone they specifically asked what number was dialed and then proceeded to state their call was a mistake. However, the agent then asked if she ( my girlfriend ) know who I am. The problem I have with this is, if they claimed they dialed a wrong number how did they come to ask for me? I am pretty sure many violations occurred on behalf of Sunrise.

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 2016-03-01
Company: Equidata, Inc.
State: VA
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 have sent letters to this company about XXXX bills that i do not have any knowledge of XXXX is {$360.00} and another for {$110.00} i sent them a letter on XXXX to let them know i had no knowledge of these accts and i have no contract with this company. i do not give them my consent on this debt.They are a third party collector and they legally can not collect a debt from me Under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Closed XXXX account bundled with XXXX DSL Internet Service. Returned XXXX equipment, however XXXX indicates that equipment was not returned and has placed account for collection. Repeated attempts to collect on debt that is not owed due to proper equipment return process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXXXXXX associates does not obtain a legal license to collect any debts in XXXX state they have illegally attempted and has illegally impacted my credit score which has caused depression and extreme mental stress

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 2015-07-01
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
In XXXX we filed for Chapter XXXX bankruptcy our current mortgage was withIndymac bank. Current mortgage loan was discharged and loan was sold to Ocwen mortgage in XXXX we made mortgage payments to Ocwen for 7 years. InXXXX XXXX we wanted to refinance our loan because property value wentup and we wanted to fix up our home. Shortly after there was no loan under arename and no original mortgage note could be provided. Spoke with Ocwenmanagement and everyone gave us the run around and told us our loan doesnot exist. I asked Ocwen management why were they taking our mortgagepayments and they replied to me " why was I paying them '' soon after I fileda R.E.S.P.A QUALIFIED WRITTEN REQUEST in XXXX XXXX. Ocwensubmitted documents but we are still missing XXXX items out of XXXX. We recentlyreceived a letter from XXXX that they are our new mortgage holders. Ocwenhas not complied with the R.E.S.P.A QUALIFIED WRITTEN REQUEST andloan was sold to XXXX in XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Due to my divorce agreement, my ex-wife was court ordered to pay the mortgage and all carrying charges ( I have documents ) until the children were emancipated and the house was sold. She stopped paying the mortgage and I was never informed. They have been reporting this to the credit agencies and it 's affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: American Credit Acceptance, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Asked several times for help. Says dont qualify for deferment since I had one in XXXX which I didnt not request. They automatically did the deferment due to an error in XXXX. Will not work with you despite a pandemic.

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