BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello my name is XXXX XXXX, I live in XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I have lived there since XXXX 2007 and always paid my mortgage on time until we had some very bad hardship. I lost my XXXX position which lowered my pay dramatically, we had a new baby, and my wife got sick after delivery. This hardship caused me to become delinquent in my mortgage payments as I could not pay the mortgage. After the years gone by the value of my home were dramatically decreased and it is not worth was it used to before. At this time the home needs huge and costly improvements to get the home to a greater value. New A/C and ventilation/duct around {$17000.00}, new kitchen {$7000.00}, new windows and doors {$4000.00}, cracked foundation $ unknown, paint house outside and inside {$3500.00}, and new roofing {$10000.00} and much more. The costs will be totaling over {$50000.00} in fixing. The home was built in 1960 and is showing the age very much so. The home is not worth what I 'm paying monthly for it and would like to receive a loan modification for this property. Im asking a mortgage payment of {$620.00} a month including taxes and insurance as this is what I would pay and know this home is worth. 
Ocwen offered me an option to pay trial payments of {$980.00} but that is too much for this home and I can not pay this. The amount they offered is only couple percent from what I used to pay and could not pay at the end. 
Please help me receive a loan modification. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Marlette Funding, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was XXXX  and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being XXXX XXXX, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides XXXX  and XXXX  XXXX. I can not name names, do to the fact that I was in the XXXX XXXX XXXX XXXX The result of the misuse of my personal information im now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX. 
This has caused great discord and inconvenience. Company never verified the account information prior to submitting it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Every hard inquiry on my credit report except XXXX XXXX on XX/XX/2021 need to be removed. They were posted without my permission! Its hindering my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022, with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB Agent, I am filing a complaint about my previous mortgage servicer, Seterus Inc. with the business address located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX, tel : XXXX, due to the fact i have not received answers to my inquiries and requests for an audit of my account and payments made on my mortgage in 2015. The mortgage servicer did not properly credit my account on a number of occasions XXXX XXXX, XXXX and XXXX XXXX and statements mailed out had errors in them. I contacted Seterus multiple times via phone requesting the corrections to be made and a corrected statement be sent indicating the corrections to ensure proper crediting of my account. As I had not received the corrected statements or any response to my request in months, I followed up with a written request sent via fax on XXXX XXXX, 2015 and subsequently again on XXXX XXXX, 2015. I received a generic letter from Seterus on XXXX XXXX, 2015 confirming the receipt of my inquiry. However, as of today i have not received a satisfactory response and believe the servicer owes me money for the incorrectly processed payments. 
On a separate note, this company has no established procedures for handling client inquiries. When i contacted them via phone in early XXXX to follow up on my fax as of XXXX XXXX, I was told that the correspondence is being handled by a different department and the agents were not able to assist me. Instead they gave me a different fax number. However, I indicated to the agent that the only fax for their company that is known to me is listed on the statement and nowhere on the statement or any mail ever received from Seterus is there a note stating that for correspondence a fax should be sent be to a different fax number. Even the website does not provide any other fax number. How is a client supposed to know if the company does not print accurate contact information on their correspondence with the client. When i brought it up to the attention of the manager on XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, she shrugged it off and said it was not her problem. 
In summary, Seterus Inc should be investigated for the lack of transparency in handling customer inquiries and accountability for their errors. It appears there are no established process in place to handle basic operations such as customer inquiries and no quality control processes to prevent errors in payment processing. 
Unable to resolve my issues and faced with extremely poor customer service for the past 5 years i decided to transfer my loan to another company. Seterus Inc should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a checking account with capital one which was recently closed by the bank. I was depositing part of my divorce settlement fund to the account, then realized that capital one has very low interest rate, so I tried to move the money into my XXXX bank which has a much higher interest rate. The bank found this activity/ check suspicious, and even after numerous phone calls and verifications from the check owner on the source of the funds, the bank closed the account. When I spoke to the bank the last time, they said my funds would be mailed to my address and this has been almost a month and I still have not received my check. Whenever I call the phone number, either my phone number is blocked or my account is blocked so I can't reach any live person. From my XXXX statement I had a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: MA
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:
Every month the XXXX XXXX XXXX sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the ENTIRE pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Complaint is against the unfair and illegal practices still being carried on by OCWEN Loan Servicing. OCWEN has refused to work with me and provide loss mitigation outside of simply just wanting to foreclose my home. I was forced by OCWEN to file for Chapter XXXX bankruptcy protection in order to stop a foreclosure on my property, after they repeatedly denied me a loan modification and instead began applying all sorts of excessive and outrageous fees to my loan making my ability to catch up with the payments virtually impossible. Because of this, I fell behind and out of the blue, they served me by mail with foreclosure papers. Filing Chapter XXXX stopped the foreclosure proceeding but only temporarily as they are now requesting the court to lift the stay. OCWEN seems determined to foreclose my property and even claims that the property has no equity, which is inaccurate. OCWEN still practicing outside the Federal guidelines, something they had been fined for back in 2013. OCWEN has submitted paperwork to the bankruptcy court full of inaccuracies and misstatements. They have continuously charged me fees for things such as attorney fees, foreclosure fees, " other costs '', etc. Every time they do this, they placed my loan balance at a higher figure. OCWEN has also provided me with monetary figures that do not match others. I am currently on Chapter XXXX solely because of the actions of OCWEN against me. I had to file an emergency protection in order to keep OCWEN from selling my property at an auction. I am a Veteran ( XXXX ) and currently a XXXX, I have a full time job and the ability to make my payments, only if they would stop flexing their muscles and try working with me instead of insisting on foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: United Recovery Solutions
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My wifes pursue was stolen before she could contact the card companies the theef had charged some things to the cards. Some how the collection agency was calling me looking for he I 'm her husband. I told the to stop calling me. They would n't stop calling. They laugh at me and said no I 'm not going to stop calling this mumber. I have them on recording.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been sending multiple letters to the Bureaus since about 4 months ago. I am getting computer generated responses and stall letters, especially from XXXX after I have asked for validation multiple times. The information from the creditors that is reporting to the Bureaus are not reporting 100 % accurate information which is against the FCRA. XXXX and XXXX are also having collection account statuses listed as OPEN. There has been no XXXX release form presented as I requested either. I have exhausted my efforts, gave several chances. Now I am demanding for these accounts to be removed completely since they are illegally reporting inaccurate information. Please view the screenshots of the accounts with the account names, account # s, and dates mail have been sent. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: MA
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:
Every month the XXXX XXXX XXXX sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the XXXX pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.

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 2016-05-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received an e-mail XXXX ; XXXXXXXXXXXX To XXXXXXXXXXXX CC XXXXXXXXXXXX XXXX XXXX at XXXX Hello XXXX, The package entails a check of {$2900.00}. You are required to deposit the check at your bank. Do note that we deal with banks ONLY, Reason is that we make monthly reports of our transactions and financial activities to the government through the bank, so the records are required. 

STEPS TO FOLLOW You must memorize key points e.g. staff name, location of toilets etc. 
Do not use leading questions e.g. " do you sell large drinks? ". This will restrict the level of service the staff are able to provide. 
Relax, act normally, and do not draw attention to yourself. 

FIRST ASSIGNMENT INSTRUCTION BELOW You will be evaluating XXXX ( XXXX ) Money gram stores in your city. The payment you received covers all expenditures including evaluation, shopping, transport and your compensation ( salary= XXXX ) for these surveys. The balance of the money will be used to conduct a survey at the Money Gram stores. As a XXXX XXXX you should go there and study how to send money and memorize all you see at the outlet. Below is the name/info you will transfer the money/ You are to Wire {$1200.00} at each of the Money Gram money transfer outlet. 

INFORMATION FOR THE MONEY GRAM Name : XXXX XXXX City : XXXX State : MA Zip Code:XXXX Amount : {$1200.00} *You do n't need an address to send Money gram transfer, you have all that is required* * Please note, you are going to the store as a secret agent and no one must know you are working as an undercover agent or that you are evaluating them. If they ask if you are sending on behalf of another person or business, the answer is NO* BELOW IS THE EXPENDITURES BREAKDOWN : - Money Received {$2900.00} Salary {$250.00} Money gram Wire XXXX {$1200.00} Money gram XXXX transfer fees. $ XXXX Money gram XXXX transfer fees $ XXXX Money gram Wire XXXX. {$1200.00} PLEASE CHECK ATTACHMENT FOR ASSESSMENT FORM. 

Best Regards, XXXX XXXX XXXX XXXX XXXX 2016 XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Incomm Holdings Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I received a vanilla debit card from my neighbor for {$50.00}. 

On XX/XX/XXXX I attempted to use the card to make purchases at XXXX and XXXX, however the card would not work. I called the card 's customer service and explained the issue. I was informed that I only had a {$5.00} balance on the card because there were previous charges to the card as far back as XXXX. The representative suggested that I submit a dispute for unauthorized charges on the debit card. 

On XX/XX/XXXX I received a letter from " XXXX payments '' located in XXXX, GA which references ticket XXXX. The letter stated that they complete their investigation regarding my dispute, however the payment networks only allow recovery of transactions within 60 days from the date the transaction cleared. They have closed my dispute with no resolution. 

The response is and lack of resolution is unethical. I disputed the charges within XXXX day of receiving the debit card as a gift ( XX/XX/XXXX ). If the representative 's claim ( that there were several charges going back to XXXX ) is true, how could they expect that I or any consumer file a dispute within 60 days of said transactions?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I would like to dispute US Bank credit report and bill of XXXX that has named me solely responsible for a joint checking account my husband and I had while we were still together and married. I am not denying there was a sum of XXXX $ withdrawn from our account that BOTH of our names were currently on at the time. I tried to resolve this problem with my local institution by meeting with my bank rep in person and speaking with her several times on the phone. I tried multiple times to inform my bank that I was in a desperate and financially destitute time in my life, my husband had left the home, leaving me with all the unpaid bills up to 3 months behind on our electric. No food in the cabinets except ramen noodles to keep my XXXX son from starving to death. My rent is and was XXXX $ per month. not including water and garbage. I have no car since my husband had that repossessed as well. I am over XXXX years old and having to ride a XXXX bicycle to work in XXXX degree weather in XXXX. I had no financial support from my husband for child support or anything. I truly wanted to fix this problem and maintain my bank account. Instead. US Bank closed my account immediatedly when I was the only XXXX with direct deposit going in it since day one.. I am not denying that there was a XXXX $ withdrawl from our JOINT checking account. the total amount shown on my credit report is {$830.00} ... Now here is my issue.. If we had joint account together.. Why in the XXXX were .. or ARE they ONLY after my XXXX ... My husband 's name was on that account too. Yet, no where on his credit report has US Bank listed his Name for ACCOUNT ABUSE. & gt ; & gt ; & gt ; I am very offended that I have been singled out and been turned down now TWICE by XXXX bank to acquire a NORMAL checking and saving account. I have only been allowed a FREAKING DEBT card which is just about worthless except to pay bills with and shop. Yet my husband went down to the same XXXX branch that I bank at and got himself another PERSONAL CHECKING ACCOUNT with NO problems whatsoever. They freely handed him a XXXX card. I have busted my XXXX to try and fix all the XXXX and financial disasters that I have been left behind with to sort out and fix as best as I possibly can. I only want to try and rebuild my credit, establish a personal checking account with DIRECT DEPOSIT that I have had going into my XXXX liquid card for over 3 years now and getting NO good credit established this way.. Can someone please help me. I can only do and pay for so much being a single parent. Thank you so much for your time ... XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Revenue Recovery Corporation
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
DISPUTED ALL MEDICAL ACCOUNTS WITH XXXX, XXXX. I HAVE XXXX MEDICAL COVERAGE. MEDICARE PART XXXX. ALSO XXXX. ITEM 'S WAS REMOVED. REVENUE RECOVERY CORPORATION FROM XXXX XXXX. PLACED ALL DISPUTED, INVESTIGATED, REMOVED ACCOUNT ONTO XXXX REPORT WHERE NEVER REPORTED BEFORE BECAUSE I DISPUTED PROPERLY THROUGH OTHER XXXX BUREAU 'S. SOME ACCOUNTS ARE NOT MINE. MG CREDIT CORPORATION SHOWS REPORTS FROM " XXXX XXXX XXXX IN XXXX, XXXX. NEVER BEEN. ACCOUNT NOT MINE. I SHOULD HAVE NOT BEEN BILLED FOR MEDICAL. INACCURATE COLLECTIONS. REVENUE RECOVERY CORPORATION DOES NOT SHOW PHONE NUMBER FOR CONTACTS AND DISPUTES. NEVER RECEIVED DEBT COLLECTIONS FROM REVENUE RECOVERY CORPORATION. ALSO. TRYED SEVERAL ATTEMPTS TO CONTACT AND DISPUTE INACCURACY TO XXXX. XXXX KEEPS DENYING ME MY FREE YEARLY CREDIT REPORT. I HAVE WRITTEN, CALLED, E-MAILED AND CANT GET REPORT. THEY KEEP SAYING MY INFORMATION IS WRONG. THEIR INFORMATION IS WRONG.

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 2020-04-17
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I went to XXXX XXXX XXXX XXXX XXXX XXXX to open an account and was denied because the bank representative stated I had a charge off checking account in the amount of {$9600.00} with Citi bank from XXXX to XXXX. I am a victim of identity theft. I never open a bank account with Citi bank in XXXX to XXXX. I do not have Citi branch in my city of Philadelphia. I contacted their customer service department over 15 times and I have not received any help or nor have my problem been resolved. I dont understand why would they let someone open an account in my name. I never received any information from citi bank stating they had an account in my name.

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 2016-08-11
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I submitted a complaint yesterday, XXXX, against Ocwen Loan Servicing center and I forgot to put important info. in my complaint. It is reference to my property at XXXX XXXX XXXX XXXX Pa. XXXX. The loan number with Ocwen is XXXX. I am the owner of the house, XXXX XXXX XXXX, The last XXXX to my ss # is XXXX. My phone no. is XXXX and Ocwen 's phone number is XXXX. They are not releasing a satisfaction letter to me on the property of which I have a XXXX balance. And they collected thousands of dollars unlawfully from me for approx. 10yrs. from a bankruptcy case that I was discharged from. I have documents from Ocwen stating that the debt was forgiven and charged off, but they continued sending me bills of which I was paying not knowing that that debt was charged off because Ocwen took over the original creditor ( XXXX ) which I did not know. I had XXXX buyers for the house but since the title search came back with a lien, I can not sell the house until it is lifted. I have been fighting with ocwen for months now to resolve this issue and can not get any results.

Company response to consumer: Closed with explanation