BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-26
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As of XXXX XXXX, XXXX, Ocwen again changed the reporting of my account. They now report that I missed a payment and paid a balance less than the full amount. My credit score dropped considerably. I 'm filing another complaint with the XXXX XXXX XXXX XXXX. I also emailed XXXX XXXX with Ocwen Obudsman. 

There were never any missed payments. This must be corrected. 


Closed No Missed Payments {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name OCWEN LOAN SERVICING Account Type Second Mortgage Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 180 Months Monthly Payment {$190.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$24000.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late XXXX Remarks Account paid for less than full balance Paid charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
1. I obtained my home mortgage in XXXX. OCWEN is the third holder of the mortgage but the first and only to contact me repeatedly with various demands since they took over the mortgage in XXXX. 
2. OCWEN asked for and I sent them a copy of my SSN and XXXX. I had to send it to them about 5 times total by mail, fax and email because they kept calling me non-stop including Sundays despite assurances otherwise claiming not to have received them. 
3. In late XXXX, OCWEN asked for my evidence of insurance. Although, I had never been asked for this evidence by any of the prior mortgage holders, I dutifully sourced it from my HOA and uploaded it to their designated website. This month OCWEN has come back to say that my insurance does not include " Betterments and Improvements '' coverage and as a consequence they have purchased the XXXX coverage for me at {$630.00}. 
4. In XXXX XXXX, OCWEN notified me of increase in my interest rate from 7.125 % to 7.500 %, hence my monthly mortgage from {$710.00} to {$730.00}. 

I believe that OCWEN is incompetent and fraudulent based on the preponderance of similar complaints against them online. I seek your protection from OCWEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm currently working on a short sale because I was given no other option BUT my Realtor has n't been sucessful in getting in touch with my XXXX loan which is with Litton Loan Servicing, none of the numbers provided work because they just send you on an endless survey about XXXX, auto insurance, {$10.00} XXXX gift cards and other XXXX they are selling ( numbers are XXXX, XXXX and XXXX ). I need them to contact me Loan # XXXX in order for my transaction to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: JPMORGAN CHASE & CO.
State: MT
Product: Credit card
Issue: Sale of account

Complaint:
Had a Chase credit card from XXXX to XXXX. Interest rate was rased to 31.99 %. My account went over the balance. I rec 'd harassing phone calls at work and home and to a co worker even asking for them to stop and explaining was disputing the increased interest charge. The calls continued and threatened with legal action unless I paid immediately. I was offered a one time opportunity to settle the debt in full for a reduced amount of debt. I agreed and paid in XXXX. Now as of XXXX XXXX I am being threatened with lawsuit from Attorneys who represent a Massive Junk Debt Buyer. 

The billing statements received from Debt Buyer show the payment with Payment Program on copies of bills they sent me and the account is listed as closed but they continue to bill and charge interest, late fees, over the limit fees and show my available credit on following statements as well as an attempted payment months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am repaying my loan since 2014 on time all the time. I have a 6.125 % interest rate on the loan. Well the loan has not gone down in two years of making payments and I wanted to start paying extra amounts to be applied to the principal of the loan. Nelnet said that is not possible, they will take the extra amount, but they will apply it first to the interest and then to the principal. I seems to me that is an unfair practice since they will be making more money out of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On or about XX/XX/XXXX I received notice of a credit inquiry from XXXX 's ( sp? ) that I had not caused. I contacted Experion and had it removed and placed a fraud alert on my credit. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX declining an account request that I did not make. Their reference number is : XXXX and on the second line : XXXX. 

After quite a bit of redirection on the phone, they told me that the actions I had taken were proper and that I should also file this complaint to insure it get propagated to all credit agencies. 

The address on that letter has some bogus information on it which suggests the information used may have been take from the XXXX XX/XX/XXXX data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing information in my credit file with Experian and they fail to update and remove old information in my file. FACTA and FCRA state that negative information may only be listed for a period of 7 years. All information that is negative is to be removed or deleted after that time. There are items in my file that are older than 7 years. According to FACTA and FCRA 7 years is from the first reported delinquency date. There are items from 2009 still being reported on my file. I am given the run around with Experian. I dispute via snail mail and am sent letters stating that my inquiry is suspicious and I have to dispute online, I dispute on line and never receive anything via email or snail mail, when I log back on line its simply updated investigation closed. Pretty much Experian is not doing anything other than giving me the run around. I have informed Experian that I have contacted my states Office of Attorney General and they statute of limitation has expired, also the legal reporting period to be in my file has also expired and the information must be removed. Experian is in violation of FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have items on my report that do not belong to me I disputed these items prior and they had got deleted but now they are reflecting on my credit reoprt as charged off or closed accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, XXXX of XXXX, a lawyer for the plaintiffs in XXXX class actions pending in New York bankruptcy court, confirmed Monday that the XXXX banks agreed last week that within the next three months, they 'll either report this debt as included in bankruptcy and remove any negative information or will delete it entirely from credit reports. 

The lawsuit, filed in XXXX Bankruptcy Court in XXXX, accused the banks of engineering what amounts to a subtle but ruthless debt collection tactic, effectively holding borrowers ' credit reports hostage, refusing to fix the mistakes unless people pay money for debts that they do not actually owe. 

Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against JPMorgan, he said, " The complaint sets forth a cause of action that Chase is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. " As it is now XXXX XXXX, more than the three months agreed upon in the settlement, I am requesting IMMEDIATE deletion of the zombie debt reported by CHASE that appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am behind on my student loan because I can not afford the payments. I contacted the servicer to see if they can offer me any assistance to bring the account current or at least get on a payment plan. They have no options for me. So although I am attempting to pay because I can not pay the past due balance in full there is nothing they can do. This is very frustrating because it seems that all I can do is have the account go to collections. I have been paying on this account for 7 years now and ran into financial difficulties. It seems that more options need to be available to help borrowers pay these loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have never been modified and I have recently been declined again for a modification by CHASE. CHASE seems to be only looking at a HAMP modification. They 're hiding behind the government program to not offer me help. I told CHASE up front I understand I may not qualify for HAMP. XXXX of America do not. But trying to get a fair review for an investor modification has been difficult. CHASE 's modification department is very dysfunctional and does not seem to want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My previous complaint on this company was closed when you received their response. BSI Financial lied in their response letter. They have not paid the hazard insurance. I have provided a screen shot of the mortgage activity dated today. As you can see, BSI paid the county tax and city tax. No payment has been issued for the hazard insurance although I have sent them the bill twice. The hazard insurance is due on Friday, XX/XX/XXXX. At this point, I'm forced to pay the premium out of pocket to insurance the coverage does not lapse. This is unacceptable as this VA loan has an escrow account and BSI is not properly managing same by paying the bills on time. If I had not filed the previous CFPB complaint,, I'm convinced they also would not have paid the taxes on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Dear Madam/Sir, I am consumer and I was experienced a cheating case during the home mortgage process, the lender name is United Wholesale Mortgage, loan broker is XXXX. Before I sign in the escrow company I was told it 's a no point no fee loan, and the lender will pay the compensation to the loan originator, but the reality is I paid over {$6000.00} to the broker as his compensation. I believe it 's unfair to a consumer, because I am able to find other lenders or broker in my area that can cover my loan cost. 

If needed I can represent all loan documents. 

best reregards, A consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: JPMORGAN CHASE & CO.
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I took out a Chase private student loan when I attended XXXX XXXX. Upon graduating, I made the monthly payments to Chase in the amount of {$29.00}. The original principal of the loan was for {$5000.00}. XX/XX/XXXX, I began XXXX at XXXX XXXX University in XXXX, Rhode Island. My automatic loan payments stopped due to my full-time enrollment. XX/XX/XXXX, I made the decision to take the fall semester off. Simultaneously, my Chase student loan was charged off after they said I failed to contact them, even though I was in in-school deferment. My efforts with Chase to reestablish the loan under the original terms were dismissed. As a result, I was forced to enter a payment plan to pay-off the remaining principal of my loan or the action would result in charge off on my credit report, which would substantially affect my chances of bar admission. From XX/XX/XXXX until XX/XX/XXXX, I made 3 payments in the amount of {$820.00}. I reenrolled in law school XX/XX/XXXX, and I am currently enrolled full-time. I am unable to make the remaining 3 payments, which I believe I should not have had to make in the first place. I would like to speak with an individual at the CFPB to determine my options, since this very well could affect my bar admission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: AL
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:
I noticed some inaccurate information when I pulled my credit and sent a letter to the credit bureaus Equifax, XXXX, and XXXX this information they are reporting inaccurate is preventing creditor from giving me rates I deserve. I know a little about the FCRA and it stated that unverifiable or inaccurate information must be investigated within 30days or must be removed. These companies are in violation of the Fair Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Specialized Management Services, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report on XX/XX/15 and noticed so many accounts listed as SMS which is Specialized Management Services. Each of these accounts on my report are not mine. I had insurance that covered the full expense of my medical bill. I also did not give any consent for my information to be shared with SMS. This is a violation of HIPPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I 'm getting hammered with OD fees on my business account due to the fact that my alerts are not working it is advertised by chase that setting up alerts helps keep track of your account and prevent overdraft fees. This is not correct. Also I have made deposits and never bounced a check and chase continues to charge me OD fees while I have checks pending to clear which is something the personal banker who set up my account said would not happen. Within the past month I have received XXXX OD fees which is absolutely ridiculous. When I call in I continue to be misdirected and misguided by phone reps and the offer basically no help. You can ask to pull the recorded calls and you will exactly what I 'm talking about. Chase also just sent me a check for this same issue happening to me on my personal account in 2014. Its shocking to me that it would take them almost 3 years to realize that they were in the wrong. Please help. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Once I was released from medical leave, I obtained a new job and I have acquired 2 additional part-time jobs to get caught up on bills! I contacted XXXX customer service on XX/XX/XXXX and was told to pay {$13.00} to cover the prior months leftover balance, and I was never told that my account would was closed on XX/XX/XXXX! 

My payment history includes me as paying above and beyond the minimum due, for months I sent in $ XXXX {$250.00}! I called to catch up on my bill which is only a few weeks behind! To find out that the account was closed on XXXX! I was asked by XXXX and XXXX ( supervisor ) if I received an email and I checked while I was on the line with XXXX and I did not receive an email stating that my account was going to be subject to closing! 

This is misrepresentation of quality, fair and ethical customer service! I asked to be put on a payment plan to pay the account and I cant afford the {$200.00} payments interest rates and monthly late fees and I stated that if the account is closed because XXXX  felt my debt ratio was to high I asked why am I expected to maintain the EXACT same terms as if the account was still open? I will be assessed late fees and interest on a closed account if I pay less than the monthly amount even on a closed ACCOUNT! 

I want my account reinstated and I will pay what I owe. The company should treat me with dignity and the respect I deserve as a hard working citizen with 3 jobs ( one is that of an XXXX  ) that pays my taxes!

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 2015-06-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
At the time of my divorce the judge ordered my ex wife and I to pay different credit cards. 
she used XXXX in my name and I had XXXX in her name that I used. she was responsible for paying the debt in my name but she did n't. I have sent my divorce decree and letters to the credit card company many times explaining the situation that she was responsible but they ignored me. Finally, since she refused to pay the bill it was turned over to collections. 
they would n't accept the divorce papers either. She finally settled for a lesser amount Now it is on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Make payments above minimum, supposed to apply to principal, as I write on the stub every time. Nelnet does not apply extra to principal and simply extends the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a loan modification package around XXXX 2016 to Chase Mortgage loan modification department. I was actively working with Chase Mortgage when my property was referred to foreclosure. 

My property was placed in foreclosure while working on a loan modification. 
Chase double tracked my home while I was attempting to qualify for a loan modification. 

Now my home is in foreclosure and my payments have been blocked making me fall further behind on my mortgage payments. I was not given proper time or opportunity to be reviewed for a loan modification..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
My employer requires us to have a credit card from J. P. Morgan Chase Bank NA for specific travel expenses. My account is set up with Chase for automatic payment. Last month, they failed to process the payment in the month it was due. Instead they processed it in error several days later and showed my account as past due. In addition, because of their error they reported me as past due to my employer. I suspect this is a problem with the Chase system that impacts many consumers. This problem, created by Chase Bank, could result in significant consumer harm with customers incurring additional expense in a variety of ways and potential for incorrect negative reporting on consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receiving a vague voicemail from the this phone number twice threatening that if I dont take action, they will take it to the next level. 

They are claiming to be from Direct Recovery Services. 

I have not received any formal letter on this matter and have my suspicions.

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