BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Note " This was submitted as a complaint in XXXX and subsequently closed by the cfpb. 
However, the bank XXXX direct still refuses to let me speak with a supervisor and has not returned my money. I have urgent expenses, including medical that are overdue and need my funds back. 4 months have gone by. I will paste the original complaint below for the record. My request is as follows : XXXX. Have a management official call me to explain what happened and return my money immediately. 

XXXX. Provide reasonable compensation for late fees. lost interest and opportunities due to failure to timely return my deposits. 



-- -- - orignal compalint : Opened an account at XXXX Bank on XX/XX/2022. After receiving email confirming that account was approved I transferred in XXXX from my accounts at external banks Subsequently, after the transfers in had processed and showed up in my account as " available '' I received an email request to send a photo of myself holding my ID, which I did. ( XX/XX/2022 ) Then, immediately, I received another email warning that my account was restricted because they could not verity the info. I have been trying to call or reach someone at XXXX ever since but noone is willing to respond or connect me with a supervisor. Instead I received an email that my funds can not be transferred out, and will be held for 30 days. Having transferred the bulk of my family savings I urgently need to access some of the money to pay bills, including medical, and am ready to provide addtl info if they have problems identifying me, but they have ignored 10 messages, and several phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
When the housing market took a dive my family and I was affected. We were told to contact the State 's Attorney 's office which in my state of Illinois is XXXX XXXX. We submitted documentation of what happen and to no avail which now is years passing nothing has happen. I kept all original documentation also, email them and no-one has responded. The problem is when things are on your credit you ca n't get any assistance. The lending company we were with was Option One a predatory lender of XXXX XXXX who to this date is still in business. Also, in the state of Illinois I thought a house could n't be sold if there were liens against it. Well that property was sold and now the XXXX mrtg or whatever was taken out against it has been transferred to someone else called XXXX XXXX and it is on the credit and is ruining everything. I have in my possession letters written to modify the mortgage also, there was an offer and it was denied which forced a foreclosure to the home. It 's very hard to move forward with your credit in a disarray. Any help or direction you can provide for my family will greatly be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the statements I have received, I have account shortage of around XXXX. After looking at the numbers, it seems that the calculations are off. If you look at page XXXX of XXXX on attached document, from XXXX 2016 to XXXX 2016, the payment of actual ending balance does n't change ... .now it does change for XXXX 2016 because they said they are assuming I will pay, but it does n't change for XXXX 2016. On my most recent statement, the same issue occurred and I do n't know how far back they back doing this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Rent Recovery Solutions
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Pursuant to Title 15USC 1692 ( c ) ( c ) 2, I am the invoking specified remedy as the original creditor and demand per Title 15 USC 1692C ( C ) that Rent Recovery Solutions cease ALL forms of illegal communication through ALL and ANY MEDIUM except for communication of remedies for XXXX, the consumer and natural person, via MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My ex wife was rewarded our house per divorce decree XXXX %. The loan on the house is serviced through OCWEN Loan Servicing. Since the divorce was final my ex wife was able to do a modification on the loan. The application forms included her info and her income only and the modification was approved. Since then OCWEN has continuously called me on the account whenever there 's anything negative. Slow pay, no pay, or whenever she wo n't answer their calls. They call me for any and everything. Problem is that I have been completely blocked out from this account and when I call OCWEN for answers, They tell me that I do n't have access to the account because I have been removed by request from my ex wife and also protection of information security through OCWEN. This account is still being reported on my credit and there is absolutely no cooperation from OCWEN Loan Servicing. Whenever OCWEN calls me and i ask questions on why I have not been removed from the loan due to my ex wife doing a modification on the home, I ca n't get an answer. I ask OCWEN for information on the status of the loan and why are they reporting negatively on my credit after allowing her to do an approved modification, I have sent a copy of the divorce decree, and there is a submitted quick claim deed. I ca n't get any information from OCWEN after numerous attempts. I have been given the run-around on an account that 's reporting negatively on my credit. I have been locked out of the account for some time now. OCWEN Loan Number XXXX. I feel that I 've exhausted every possible avenue in trying to have my information removed from this account and I encounter a dead end every time. 
Property in question is, XXXX XXXX XXXX XXXX . 
XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is with Ocwen Financial Services. After making payment arrangements they continue to call my approximately 15 to 20 times a month, up to 4 to 5 times a day. My mortgage is not in arrears. I have requested that they do not contact me by phone several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: SC
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:
Please do not deny my complaint by stating that I filed this by some other means than myself ( This is completed by me 100 % ) and that you can't confirm my identity because you continue to send letters to my home address and continue to add accounts to my credit report, so if you can't identify who I am as you have previously said then you are illegally adding false inaccurate accounts to my credit report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
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. Account Names : 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: NCB Management Services Inc.
State: WA
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:
XX/XX/XXXX XXXX called NCB MANAGEMENT SERVICE spoke to XXXX  she said it was with XXXX XXXX XXXX XXXX for XXXX and that the application was from XX/XX/XXXX deposit was sent to XXXX XXXX  XXXX who confirmed no deposits were received outside of payroll from XXXX when this account was closed. XXXX advised they need to do some research and see what is going on with the account. 

XX/XX/XXXX XXXX XXXX  called XXXX XXXX XXXX XXXX  XXXX is escalating to another department and I would be contacted back, XX/XX/XXXX XXXX Called NCB MANAGEMENT SERVICE XXXX XXXX advised they have requested the validation of debt XX/XX/XXXX XXXX XXXX went through all statements for XXXX no deposits were made on account. Account was closed on XX/XX/XXXX. Can not make a deposit in a closed account. 

XX/XX/XXXX XXXX Spoke to XXXX  at NCB MANAGEMENT SERVICE. was told they can not look up the documents they sent me. They will be sending me the fraud packet XX/XX/XXXX XXXX XXXX  Called XXXX Spoke to XXXX  who transferred to XXXX  supervisor Says she can't access the account transaction history. She will be sending me an email letting me know what information is needed XX/XX/XXXX XXXX filed report with offer XXXX Case number XXXX XX/XX/XXXX sent copy of the Police report and id report from FTC to NCB MANAGEMENT SERVICE & XXXX XX/XX/XXXX sent copy of the Police report police report and ID to the credit Bureau who modified the dispute to an id theft XX/XX/XXXX XXXX  reduced my credit limit due to this negative item on my credit report. I am now having adverse action taken against me because of this item. When I called the credit Beru they said they cant do nothing until they finish the investigation XX/XX/XXXX XXXX XXXX  called and spoke to XXXX  said we got the documents on XX/XX/XXXX it is something we must investigate and resolved. We will get the fraud packet out to you and this is something we are trying to resolve but it does not happen over night will take some time. 


Now I am facing adverse action due to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I would like to know if I can sue HFC for their violations against me. My spouse passed away three years ago, after he passed away I received a life insurance settlement to pay off XXXX of my mortgage. While waiting, my spouses pension went through and I paid all the back mortgages up to date. At that time I was two months ahead in mortgage. After HFC applied the life insurance I was told I was I was two months behind. I believe HFC owes me two months mortgage. I was paying {$1600.00} a month. I would like for them to pay me the {$3200.00} they owe me. I am attaching a copy from the Department of Financial Institutions findings. I have fought with HFC since my spouse passed away and the only time they respond is if I get consumer affairs involved. I am not asking for what is not mine. Please take a look at my case to see if I can claim my monies back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I learned there may be a problem with my Mortgage serviced by Ocwen Loan Servicing. On XX/XX/XXXX Ocwen unnecessarily and incorrectly increased my Escrow payment due each month. Inexplicably, they backdated the change to XX/XX/XXXX. I have n't missed a payment. Even though Ocwen 's records reflect receipt of all my payments on time, this " glitch '' in payment history has caused a {$2100.00} Past Due balance. This is nearly 3 months payments, so I am now facing Acceleration. I am being charged late fees, Property Valuation fees and Certified mail for Default Notices. 
After Escrow analysis, my payment has actually gone down. It would also appear they owe me an Escrow Refund of approximately {$900.00}. The payment was too high for the past 2 years and never needed to be increased at all. 
Ocwen is not making any progress in correction of this issue. I have a " Relationship Manager '', however, I can only make appointments to be called. I had an appointment to be called on XX/XX/XXXX and was called to reschedule. My Relationship Manager was unavailable. The reset appointment was for XX/XX/XXXX and no one called at all. After waiting an hour I called to be given another appointment for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Flagstar Bank, N.A.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regarding Flagstar Mortgage Received escrow statement dated XX/XX/XXXX claiming a shortage of {$5500.00}, resulting in payment increasing by {$800.00} per month to {$2900.00}, equating to an increase of 38 %!! 

Upon contacting the bank, I was informed that my monthly escrow payments were reduced in error in XXXX due to a system error. Thus, due to a significant control breakdown in their processes that 1 ) would allow an error of this magnitude to occur and 2 ) additional controls were not in place to allow them to catch and remedy the error that would have saved me from being in having to repay a significant shortfall. 

I further confirmed that they only run their process once eah year, thus escrow shortages would not be identified for many months, allowing the amount to build unbeknownst to the customer. 

The fact that this is a complete system /process and control breakdown leads me to believe that their is an serious issue within their escrow division affecting countless others.

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 2016-03-18
Company: Navient Solutions, LLC.
State: CA
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 attended the XXXX XXXX XXXX XXXX in XXXX, California. The school itself, I am looking into suing, because they, like Sallie Mae, pushed for me to take out a very large private loan for over {$40000.00} and a smaller federal loan ( for living expenses, etc ) for around {$15000.00}. Needless to say, no amount of money I would 've made leaving with an associate of arts degree could 've paid off those loans. I was told it would be no problem once I graduated, and since I come from a lower middle class family, furthering my education was a priority for a better life. Instead, 10 years later, my loan is in default, they seize my tax returns and I have XXXX children ages XXXX and XXXX who ask why we cant get a house or fix our car when it breaks. I actually had XXXX of their debt collectors say to me, " you shouldve thought of that before you had children. '' They called my home and family relentlessly for years! I had a job from XX/XX/XXXX-XX/XX/XXXX where my boss had to have several " talks '' with me becuase she asked them to stop calling my place of employment and they wouldnt. I believe she was looking into contacting the XXXX or something of that nature, but she never followed through. I would like to note that I am an excellent XXXX. Any boss or co-worker I have ever had would back that up, so the problem leaving was not my skill, but rather the impossibility of repaying a loan of that amount. Its insane when I think back on it. I wish I could go back in time and stop myself from signing, and allowing my mother to co-sign, I would tell myself, " this is going to ruin your life! You will never be able to buy a home or new car. You will always be in debt, forever and ever. The XXXX will cause you XXXX and XXXX. You will never get out! '' I have felt hopeless because of this, but coming onto this website I am feeling a little better right now. I am feeling like theres a chance to get my life back, I feel like maybe there is strength in numbers and I am both glad and extremely sad to see that so many others are in my boat. So let 's plug it up before it sinks! I am hoping you can help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loans were initially through XXXX XXXX, now Navient. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested loan modifications, income based payment caps, etc. Despite meeting the qualifications for their programs I was denied every time I asked. I did have my loans put into forbearance a couple of times, but I was also charged for that. In XX/XX/XXXX I filed Chapter XXXX bankruptcy, which was discharged in XX/XX/XXXX. I tried especially hard during that time to work out a payment plan with XXXX XXXX. They adamantly refused to help. Again, I fully met their criteria for help but was denied. Unfortunately I did not think to submit at complaint at the time, nor do I have the records showing my request. However, I did want to add my information to the struggle of trying to work with XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Constantly receive phone calls from mortgage lender Bank of America even when the payment is not due. Receive calls from them several times a day and on Sunday 's as well. We have spoken to several people from the mortgage lender and will then still get several calls later that day wanting to know when we are going to pay a payment that is not due. When we informed them that we have already spoken to someone they will not take that as an answer or resolution to the call. They are very aggressive, rude, and harassing in the manner in which they are trying to do business. We have had a home loan with the same mortgage lender for 15 years now and have always paid our payments in the same manner with no issues. We had one late payment and we worked with Bank of America to get that late payment paid however continued to get harassed by Bank of America. The harrassment continues to worsen as do the number of phone calls per day and we have advised them that we may have to contact an attorney if the harassment continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
so I upgraded my card on XX/XX/XXXX there is a promotion that if I spend XXXX on the card in purchases I will get XXXX bounus XXXX  points I have been tracking for the whole 4 months and overtime been getting updates from the company. so I made the XXXX and I called and checked and know they come back and say XXXX purchases don't count which I didn't know and they never told me going back all the way to XXXX and the conversations I have had with the reps through the phone and in chat they have said they all now I only have live days left and they say I still have to make XXXX in purchases according the reps for the 4 months I have been tracking I already made the threshold they never told those purchases didn't count until it was too late if I would have known that I have don't things differently I want this XXXX points honored because I did spend over the XXXX and according to there for 4 months when I was tracking this everything was a fine I feel I misled by there reps and I want this honored asap its not my fault if I would have known I would have spend the money on the card diffently I never did any cash advances they are all purchases I made on the card. they never told me XXXX and XXXX XXXX did not count at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are considering selling our home. Our primary mortgage holder, Ocwen, modified the loan a little over three years ago. This resulted in {$32000.00} of deferred principal that has been forgiven over the last three years. Part of the modification includes an Equity Share Arrangement where we would share any price appreciation with Ocwen. Somehow, the home value was set at {$60000.00} when the modification went through, and the home has never been worth that little. Regardless, the problem we are having is figuring out how much we will need to pay Ocwen if we sell our house. Every time I call, I get a different answer. XXXX person says we will split the profit XXXX, another says there is no sharing because the reduction was forgiven, another told me the only way to find out is to sell my home and see what Ocwen sends me for a pay-off. Unfortunately, I have a second mortgage and sending a bunch of extra money to Ocwen means I ca n't pay off XXXX mortgages, so I ca n't sell my house. I 'm ok with that, except the only way I can find out if that is necessary is to sell my house and see what Ocwen sends me for a pay-off??? Why ca n't someone give me a definitive answer so I can move forward?

Company response to consumer: Closed with explanation