BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have owned my property for almost 20 years, recently I came upon hard times and have had financial difficulties. I have tried to work with Ocwen on keeping my home for several years now. Ocwen is a very difficult company to work with and now that they have set a sale date on my home they will not review me for a modification which I can now afford. I am XXXX from the military and have steady income that I can prove if just given the chance to show it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Ocwen Financial Corporation
State: AL
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ocwen starts calling after the first of the month, prior to my payment due date, and do not stop until the payment is processed. I have my payment on auto pay from my bank. They said the calls are mandatory because, their " investors '' have deemed it so. I was given the option, that if I allowed them to draft the payment directly from my bank account through their website, the calls would stop. If this is " technically '' legal, I think that it is barely so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: National Credit Adjusters, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
National Credit Adjusters has contacted my friends and contact me on my job requesting me to money towards a payday loan that I have already paid for 6 months ago. When I requested for him, XXXX XXXX, to stop calling and harrassing me me on my job, he stated that is not harrasment and then he began shouting that he will take me to court. I would like this harrassment to stop., Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: HW Holding, Inc
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
hunter warfield has contacted my wife 's parents multiple times as well as my brothers mother in law try to get in touch with me, after we contacted them and gave them updated information ( i.e. address, telephone, and email ) we have requested a detailed bill explaining why i have an outstanding balance, and have never received it. last time i talked to the guy 1. he was a XXXX and questioned me as to why i needed a bill, and 2. i told him we would n't be paying anything until we got the detailed bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company Midwest Recovery has violated FDCPA policy, they reported a collection to my credit report with out contacting me about this debt, they did not give me the Rights to fight! when I ask to send me the documents they could not provide the right address..now I have a collection for a fraudulent account,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I contacted Ocwen today regarding the conflicting status on the account and was placed on hold for a long period of time. I was later told that because we were working with our relationship manager that I had to call another number. The number provided was the number to the Office of the Ombudsman. This office took our information and placed my wife on hold later coming back and stated that we had to Contact XXXX XXXX because there was nothing they could do even after telling us the day before that there was not active sale, but today stating that there was a sale on Friday XXXX XXXX, 2016. When XXXX XXXX was contacted via email, counsel said that because 1 year ago, we had said that we were not interested in a modification, that modification chances were off and the sale would be held on XXXX XXXX, 2016. An email was sent back stating that we were interested in a modification. The attorney came back and said no to the opportunity for a modification and said that any future communication concerning the matter must be directed to him ( cutting off any contact to our relationship manager, Owen 's Office of the Ombudsman and Customer Care ), just XXXX day after the Relationship manager said that there was no sale pending and that modification assistance was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan that is being serviced by ocwen loan sevicing. I have made all my payments on time. My loan to value ratio is about 65 %. I have made many written requests and verbal requests to ocwen to start the process of canceling my mortgage insurance. I have received the run around by there customer service and have gotton nowhere. They have no contact information and are not willing to help me when I am the customer. It feels like a scam they are pulling on homeowners. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, my name is " XXXX XXXX '', I have been reporting about inaccurate items over a year. However, the response of the credit bureaus didn't make me feel satisfy. There are still some derogatory accounts that not belong to me and our business. I request investigation on these incorrect accounts that I list below. 
** Name ** _XXXX XXXX This name was spelled incorrectly. My only real name is XXXX XXXX. 
XXXX Address reported** XXXX XXXX XXXX XXXX XXXX , CT    XXXX XXXX XXXX XXXX XXXX , CT XXXX XXXX XXXX XXXX XXXX XXXX , CT XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX , CT XXXX These addresses are incorrect and need to remove off my credit report. Someone intended to put them in their to harm and intervene me from obtaining credit. I have attached my driver license and tax return document as proofs for my accurate name and address. 
**Hard inquiries*** _ XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX These 3 account above are unauthorized inquiries. The information which credit bureaus provided, violated Metro2 Report Compliance by not reporting their contact information, remarks and dispute status. 
XXXX Inquiry : XXXX XXXX, XXXX Unauthorized inquiry and date furnisher has violated " Metro 2 Report Compliance " by not reporting there con contact  information. 
**Collection** XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipt any loans or credit with this company. This collection was added in my credit report. As you may aware of section of 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. I request the credit bureaus provide me full information of this collection and also proofs that you have followed F.C.R.A lawsuit in the process of adding this collection to my report.

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 2016-01-07
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN Loan Servicing has erred significantly on our mortgage payments and escrow funds without explanation or reversal. After several years of making timely payments, including paying down principal each month, the trouble began in XXXX XXXX. We were sent a notice stating that our monthly payment would increase due to changes to our escrow account, so we sent a check in the amount of {$1200.00} to cover the additional escrow and eliminate the increase in our monthly payments. The check was negotiated by OCWEN and applied to our account ; however, we later received a partial refund of the escrow. A few months later, we received notice that the refund was sent in error. We received several statements in XXXX and XXXX, none of which appear to be correct, and all had differing amounts due. We have called OCWEN several times and were told in XXXX that the matter would be corrected in their system by XXXX. The issue is still outstanding and we are left with a {$800.00} deficiency in escrow funds with no explanation. OCWEN has the money, yet it 's not in our escrow account, and they 've sent another statement advising that our payment will increase again in XXXX XXXX. The increase in tax over this time period is negligible, and {$800.00} is missing from our escrow account. There was no disbursement of escrow funds to either tax or insurance to account for this missing money. It is incredibly frustrating trying to get resolution from OCWEN, so we contacted XXXX, the investor in our loan. We will work with XXXX and CFPB to come to a satisfactory resolution with our escrow funds fully reinstated in our favor. We also would like to see an accurate mortgage statement from OCWEN, along with a full amortization schedule for the remaining life of our loan. Finally, we would like a comprehensive and logical explanation about how OCWEN could possibly allow this to happen to seasoned and responsible mortgagees, including what defects are causing this from their automated systems. 
Our XXXX XXXX, XXXX statement shows the {$1200.00} payment overpays the escrow shortage. 
Our XXXX XXXX, XXXX statement reflects an escrow balance of {$800.00} with no disbursements for tax or insurance having been paid, as these were not due until XXXX XXXX. 
Despite having paid the escrow shortage, our statements reflect changes in our payment amounts due from {$3400.00} effective XXXX XXXX, increasing on XXXX XXXX to {$3400.00}, increasing again on XXXX XXXX to {$3400.00}, and an increase effective XXXX XXXX to {$3400.00}. This reflects a total of a {$60.00} per month payment increase, when, in fact, the escrow deficiency was fully satisfied in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Have received a notification from credit report that the collection entry has been entered. I have contacted the collection company in question several times both in writing and by phone within the past 3 months, however had not received a valid response of verification of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: First Associates Loan Servicing LLC
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I went to XXXX XXXX XXXX GA XX/XX/XXXX I signed documentation to take out a private student loan from XXXX XXXX I was forced to withdraw from school in XX/XX/XXXX of the same year. without completing my XXXXr of school. In the ledger documentation the school says the received XXXX from the lender and XXXX was refunded, for some reason first associates aka XXXX says I owe them XXXX I called to inquire about this amount and they can give me no information since they took control of the matter XX/XX/XXXX ( interest rates disbursement amounts and dates ). so no idea were this extra money came from. and there is no way that it accumulated XXXX dollars in interest in 2 years unless there is unfair lending practices. XXXX XXXX should have sent every dime back considering that I had fed loans to cover the lil I went to school. It has destroyed my credit and I do not know what to do about it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: HW Holding, Inc
State: TX
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 requested verification and validation of this debt and this company refuses to provide. I also disputed on my creditreport and this company never could answer my dispute. Now they have put this back on my creditreport under a different amount i do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am not a attorney, so maybe I did not explain my case well enough, if you all look at the XXXX on page XXXX under count XXXX, number XXXX, clearly said the " Due to an inadvertent clerical error, the Mortgage was never placed of record with the XXXX County Kentucky Clerk 's records and the original Mortgage has become lost. " If the original Mortgage has become lost, then how can you filed a assignment of Mortgage on XXXX XXXX, XXXX and also it was signed and prepared by XXXX XXXX by OCWEN office, so when I said OCWEN falsify the document, it mean using a copy or some other way to make it legit to file a law case. I pray the CFPB will look into this, so it will not happen to other people. 
recently, OCWEN wanting to file a law suit, so OCWEN falsified a copy of old mortgage paper, and ask XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ) to file a assignment of Mortgage Electronically. They have violate the law and also, lost trust in the system, XXXX have abused the Electronic file system. according the law, XXXX need to have the real document to validate the information, there is no promissory note or real Mortgage with real signature on hand, file in XXXX XXXX clerk office, and you can also look at the date they file, it was there first filing on XX/XX/XXXX. and the Mortgage date is XX/XX/XXXX. by falsified a record statement, it is a violation. please look at XXXX law suit, OCWEN attorney said the original Mortgage is lost, then without original Mortgage, XXXX and OCWEN are just using a copy to file. this is very serious problem, if they just use a copy to file, it will damage the Legal procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: CITIBANK, N.A.
State: NC
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:
Citi Bank closed my credit card without notice, and at the time it had a rewards balance ( cash back ) nearly equal to the statement balance. They have refused since XXXX of 2019 to apply this outstanding balance to at all to account leaving me with growing debt and interest that I can no longer afford to pay at this time, and have lost my job due to the pandemic.

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 2016-08-18
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
For over 4 years, I have been trying to have ACS/XXXX to remove XXXX late delinquencies from all XXXX credit brueaus ( XX/XX/XXXX and XX/XX/XXXX ). Yet, the creditor did n't remove until recently ( XX/XX/XXXX ). I spoke with XXXX XXXX of ACS and he reassured me that he will make sure that the delinquencies are removed as soon as possible. Yet, they are still present on all of the credit bureaus. Even after submitting the documentation to all of the credit bureaus, ACS/XXXX still not honoring their promise to remove the delinquencies. This has caused a major inconvenience with my credit report history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: DriveTime
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Good morning, this is my third complaint about this company. My last complain number is XXXX. This company is a master of deception. Our first complain was in XXXX. they said they would help us with the repairs of the car, and now their offering to pay us XXXX out of a XXXX dollar tab. Than i offered them to accept if they would finance the XXXX and they said no. And then i offered them to help me with the XXXX and i would buy my own engine, and i would have my own mechanic put it in and they said no. And then the representative claims we drove XXXX miles when the claim clearly states the problems were present before we bought the vehicle. They are unwilling to work with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In 2009 I had checks stolen from my ex-husband 's home, in which I did not reside at the time. The person who stole them cashed them at various stores and banks. He and his girlfriend were prosecuted but at the time I did not file identity theft because I was busy trying to pick up the pieces of my life. I did not know about this until the detective contacted me because this person was caught at a bank cashing them. I do not remember the detectives name, the person who was charged is XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: SC
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AND XXXX HAS VIOLATED MY RIGHTS. 

* 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

* 15 USC 1681 SECTION 604 A S
ECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 


ALSO I HAVE POINTED OUT TO THE CREDIT BUREAUS THAT THERE WERE INACCURACIES IN THE REPORTINGS. DIFFERENT OPENING DATES, ACCOUNT SHOWING ON JUST ONE BUREAU AND NOT THE OTHERS, DIFF OPENING DATES, DIFFERENT DATE OF LAST PAYMENTS. ALSO I HAVE GAVE THE CREDIT BUREAUS SINCE XX/XX/2022 UP UNTIL NOW TO CORRECT THE INCORRECT REPORTING ALONG WITH THE HIPPA VIOLATION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Debt Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
On XXXX/XXXX/15 I received via your website a letter from Debt Recovery Solutions that they were going to remove the Trade Lines from all XXXX credit bureaus. That has yet to be done instead. Debt Recovery has validated the accounts with all Credit Bureau 's XXXX separate occasions which has hit my credit score tremendously. They have verified that this was a new Collection account on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 on XXXX, XXXX and XXXX XXXX. Also on XXXX/XXXX/2015 they again verified the account is valid and it had hit my credit score again. This negative invalid trade line was suppose to be removed as of XXXX/XXXX/15. Now why are they doing the direct opposite of what they are suppose to be doing

Company response to consumer: Closed with explanation