BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-16
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am a 3rd party Mortgage Broker attempting to obtain a payoff for our client who has an account with Ocwen Loan Servicing LLC. We frequently struggle to obtain payoff information from Ocwen within a reasonable amount of time, however, this is our first complaint. As per Regulation Z, a servicer is required to provide an accurate payoff within 7 days of the request. So far, Ocwen has taken 22 days for this request and has projected at least another month before a payoff can be provided.
- Our first attempt to order a payoff was on XXXX XXXX, 2017, we provided our client 's signature authorization, account number, and projected payoff date. We received a written response on XX/XX/XXXX stating a new request is required and the new request must contain the appraisal due to the type of account ( Original Loan was modified to an Equity Share Arrangement ) OR, they may simply use their own Broker Price Opinion.
- A new request was submitted on XXXX XXXX, 2017, including the appraisal, customer 's authorization, account information and projected payoff date.
- On XXXX XXXX, 2017, a call was placed to Ocwen to ensure the request was received. After verifying the customer 's information, we were informed that Ocwen is not authorized to talk to us about the account until the borrower 's signature authorization was validated which will take 2 days.
- On XXXX XXXX, 2017, another call was placed to Ocwen, all information was again verified, and Ocwen still would not answer any questions regarding the account, or regarding whether they received our request for a payoff quote. Ocwen advised us that the customer had to call them to validate the signed borrower 's authorization before they could speak to us.
- On XXXX XXXX, 2017, the customer called Ocwen and gave verbal authorization to speak to our company.
- On XXXX XXXX, 2017, a call was placed to Ocwen, XXXX, ID # XXXX stated the customer did not authorize us to speak to them on his behalf. So, a conference call was made with the customer, who again authorized Ocwen to speak with us. While on the call, the customer verified his information and XXXX advised he did actually see that the customer made the authorization on XX/XX/XXXX, but it was not for our entire company, only his Loan Officer. Once the customer disconnected from the conference call, XXXX advised us that in order to obtain a payoff, we must speak to the relationship manager, XXXX XXXX, who 's schedule is so full, he can not talk to us for at least another month.
- The client is current on his mortgage payments with Ocwen, and the refinance loan that our client applied for will save him nearly {$900.00} per month on his mortgage payments, however it is required that his Ocwen account is paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail today stating that " I was not the one who sent that despute ''. I feel as though this is ridiculous. I spend my entire weekend gathering all the documents to receive a mail like that. I am extremely upset. I've been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, I noted a charge on my XXXX personal account in the amount of {$0.00} and I challenged it with XXXX and demanded a complete accounting as to how " XXXX XXXX XXXX XXXXXXXX '' got there. In my mind I see this XXXX cent charge as an entry method to pave the way to take money off my account from that unknown source apparently coming from XXXX. All Citi did in response was remove it from my history and state it was resolved I fortunately printed a copy of that charge before they removed it. Smells like old mackeral sitting the sun ... ... ... .....

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 2020-10-07
Company: I.C. System, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX ( formally account with XXXX XXXX ) is claiming that I did not return a modem from 5 years ago. This is an error in their system -- they believe the error was caused because I moved their modem to a new address and terminated and returned the modem from the second address. However, they will not remove the item from my credit report.

In the past five years, they never contracted me to inquire about the modem. They added a charge of {$59.00} to my credit report five years later.

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 2017-08-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint to SPS last month via CFPB. SPS did not respond to the specific questions contained in the Qualified Written Request, nor did they respond to my request to schedule an in-person meeting at SPS HQ in Utah to review their " original copies '' of documents they allege are valid and are associated with my property. SPS is trying to use these so-called documents to foreclose our home based on an assertion of a financial interest that does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I already disputed this account ( XXXX XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Equifax & XXXX  from my credit reports as a fraudulent account. However, on my updated credit reports XX/XX/2021, a newly added account appeared in my reports under a different name which is XXXX a.k.a XXXX XXXX XXXX ( so it's still XXXX ) and with the same account number XXXX is reporting negative under Equifax. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: FC HoldCo LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been battling with Flagship for over 2 years regarding this debt. I have spent several hours, money, resources on this, I even started learning about my consumer rights and found out how much this company has violated my consumer rights. Flagship is fraudulently reporting negative information about me and has stopped me from being able to get credit extended. I have filed complaints before and have been closed without being resolved. I sent them a cease and desist ALL COMMUNICATION IN ANY FORM in XX/XX/2021 and to this date they are still reporting negative information which is a form of communication. Please assist me with this to be resolved IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Experian Information Solutions Inc.
State: MS
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:
I reached out to Experian and notified them that 3 accounts on my credit report are being inaccurately reported. Their " investigation '' took longer than 30 days the first time. I disputed it again, because across all three credit reports, Experian is the only one that shows the inaccuracies. I provided evidence and they still have not fixed the issue. One account Experian has reported as a charge off for more that a year even including a past due balance which is both unfair and illegal for them to do on a closed-charge off account. The account in Question is XXXX XXXX. Next, XXXX XXXX " alleged '' I owe a bill from XXXX XXXX, which is a violation of XXXX as I have not signed anything allowing that company access to my health information or billing summary. This currently shows on my credit report and hurting my financially because Experian will not fix this inaccuracy after multiple recorded attempts on my behalf. Finally XXXX XXXX XXXX account was created identity theft and Experian has failed to truly investigate this inaccuracy. They are willing to use an address that I do not live at and reported I did not live there to verify this information they have " investigated '' to be accurate. I have already provided them a police report to prove this was not me and Experian still refuses to remove this inaccuracy. They are falsely reporting inaccurate information, giving me a lower score, harming me and restricting my rights to financial fairness and freedom and limiting my ability to obtain credit with new businesses because they are reporting false and inaccurate information I have asked them repeated to remove.

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 2017-09-09
Company: EQUIFAX, INC.
State: IL
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

The operational incompetence of Equifax and its senior leadership is appalling. The breach was not properly disclosed and their internal systems are not prepared to handle the public 's concern. I am unable to receive my Equifax credit report because " the servers are busy '' and the wait time on their hotline is hours. Furthermore, there are reports of false positives on their own " check if you were impacted '' site. So, I do n't know if I was impacted, I ca n't verify on my own if I 've been impacted, and the credit monitoring solution they offer sends mobile users in an infinite loop of non-resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company took collection on me for a medical collection, in which I have never heard of the company. Collection wrong amount. Should n't be a collection and I have never even been to the place where the collection is coming from. 
Reporting on XXXX XXXX, 2017 and opened in XXXX. It completely wrong and inaccurate. 

The company is Common Wealth Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Kovitz Shifrin Nesbit, A Professional Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice that a lien was filed on my condo by an attorney for {$1000.00} from the hoa. I sent the dispute letter and all my receipts for payments and asked them for a validation, they kept sending me the same letter and she emailed me and said THEY DONT OWE ME AN EXPLANATION OF CHARGES. IF I WANT TO KNOW THEN I NEED TO HIRE AN ACCOUNTANT TO EXPLAIN OT TO ME. SHE SAID THAT SINCE I FILED BANKRUPTCY AND I DIDNT HAVE TO PAY {$10000.00} TO THE ASSOCIATION THAT THEY FILED A LIEN WITH ADVISE FROM COUNSEL. I had made payments between the time the lien was filed and the time I received the letter that paid my account in full. And they refused to tell me what I was charged for and why. She blocked me from her email and told the board and the management company not to speak to me. They should have released the lien and if they would have shown me that I was charged for something I could have hoard it and been done with it. They eventually had to give a detail of the attorney charged for the judge and they charged me for reading the 2 dispute letters and wrong amounts for retuned check and they credited my account the {$720.00} that they already had but said they didnt and I had repaid it so I was really 4 payments ahead but they filed bankruptcy on my condo and that was a lien that shoud have been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Jacob Law Group, PLLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS IS GETTING TO BE RIDICULES I HAVE FILE COMPLAINTS AGAINST XXXX XXXX XXXX. I HAVE TOLD THEM THE AMOUNT I OWE THE COMPANY IS XXXX BUT THIS HAS GONE ON FOR OVER 2 YRS AND NO RESOLUTION PEOPLE HAVE BEEN THREATEN AND LFT VOICEMAIL OF PHONE NUMBERS WHO WAS NOT GIVEN. I HAVE SAID THIS TIME AND TIME AGAIN WHAT I OWE XXXX THEY WANT MORE AND FILE SEVERAL COMPLAINTS WITH THIS OFFICE AND FTC ETC. NOW I RECEIVED A LETTER FROM JACOB LAW GROUP , PLLC. IS ANYONE LISTENING TO PEOPLE WHEN THEY FILE THESE COMPLAINTS AND CONSUMERS ARE GETTING HARASSED. I HAVE TRIED TO WORK OUT THIS AMOUNT YOU HAVE OTHER CONSUMERS SAYING THE SAME THING ABOUT THIS COMPANY AND NOTHING IS DONE. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information which has led to a data breach that puts myself and millions of others at risk. They decided not to securely handle this important data with proper authentication, encryption, or storage. Sensitive info, like my SSN, now has the potential to end up in somebody 's hands that will use it to steal my identity and potentially ruin my life. 

I am extremely upset with how Equifax has handled reporting this breach as well. Very little was done to notify the public after the breach was detected. I had to find out about the breach from second and third hand sources on social media, as I received no notification what so ever. This all is an undue burden from a company that I have no choice of doing business with, as they are a vendor to my credit companies. Equifax has displayed the utmost negligence and lack of remorse. Their executives even cashed out stock before announcing the breach to the public so they would n't lose too much money, which is truly shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
First off, due to the data breach with Equifax, I do n't feel that I should have to pay them {$10.00} to initiate a credit freeze. I would n't have done so if they had n't had the security breach. Now, they are profiting due to their own ineptness. 1 year of credit monitoring is n't sufficient as a response either. They need to offer a free credit freeze to anyone who is affected by the breach and their own website said that I was. 

Despite the above concern, I initiated a credit freeze with Equifax ( and the other two ) and then went to pull my credit report at XXXX. The Equifax site said " The System is Currently Down for Maintenance ''. Unacceptable. I went back in again and it let me get all the way to verifying my identify before the system went down again with the same message. Still unacceptable. 

XXXX has a similar issue where the report would not generate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: LEXISNEXIS
State: CA
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:
I noticed that there is an alleged bankruptcy on my credit report, so I reached out to the bankruptcy court to see where this information came from and they said they didn't release any information to any credit reporting agencies. Which I found odd because on my credit report I see that XXXX, XXXX, and XXXX have a bankruptcy on my report. 

I reached out to the company LexisNexis about their reporting of this alleged bankruptcy and they removed the information from their records. I have attached that letter as well. 

I also attached a letter explaining the violations that were committed by these companies in accordance to 15 usc 1681e ( b ), as they didn't follow the reporting guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Completed a Loan Modification on a mortgage and have been paying the mortgage payments consistently since XX/XX/XXXX. It was my understanding that after the modification was completed that the loan would be recorded on the three credit repositories. Note, a BK XXXX occurred, the loan was included in the BK XXXX, with the request to reaffirm the mortgage since the modification was approved and the trial period was successful. To date, the mortgage is being paid on time every month. It is unfair that these mortgage payments are not being reported to any of the credit repositories, evidencing the payment history. I would like to have these payments commencing from XX/XX/XXXX to present to be recorded with the three credit repositories. The modification process required me to execute an additional mortgage and promissory note, which was recorded at the county level so why then is this information not being carried over to the credit repositories? Any assistance you may offer would be greatly appreciated. 
The attachments supplied to this complaint show the modification balance, the payments made since the loan modification up through XX/XX/XXXX with the new escrow balance being required. ( Note : WF Paid outstanding water liens on the property which were missed during the modification closing - in order to clear them, I requested that payment is made to the City so that everything was clear from the property ) An increased payment will commence in XX/XX/XXXX. 

Thank you for your efforts in advance and I do hope that this matter may be resolved quickly.

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 2018-06-02
Company: FMS Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Saturday, XX/XX/2018, XXXX XXXX. After repeated calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX I called them back in an attempt to find out what the nature of the debt they were calling about was. After several minutes talking to XXXX XXXX where she got my information to make sure of my identity she finally told me they were a debt collection company and trying to collect a debt. This was after she questioned me about my identity. 

I asked what the debt was several times and was never told. I asked for a supervisor and again they began asking me my name, dob, social security number, address and phone. I declined to give the information again and was hung up on. 

I can't verify that this is a legitimate debt as they will not give me any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NC
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:
Equifax has inappropriately handled my private data in the process of their credit reporting. The breach of information that recently occurred has left millions of Americans at risk with little to no recourse. In addition, the transparency and reporting on this issue has been unsatisfactory. They have enabled private parties to access our information and have not given us appropriate means to defend ourselves.

Company response to consumer: Closed with explanation