BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-12
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My Narrative begins with the ongoing persistent " Grossly Negligent '' behavior of Ocwen. Beginning with the deceit, Fabrication of evidence, documents, and motions in Dismissed with Prejudice XXXX by XXXX XXXX XXXX, for XXXX XXXX XXXX. My XXXX XXXX eviction case XXXX in front of Judge XXXX and XXXX XXXX ( opposing Counsel XXXX-originally represented by XXXX XXXX and finished by XXXX XXXX XXXX ). Fraud is evidenced by differing evidence, fabricated documents and omission of certain Documents. Documents presented to me as " Written Request for Validation of Debt '' provide yet another set of Documents all claiming to be " True and Exact '' copies of documents recorded in XXXX County. All documents are inconsistent with the actual documents on file in XXXX County ( XXXX ). A XXXX Appraisal dated XXXX XXXX, XXXX ( mortgage closed XXXX XXXX, XXXX and replaced mortgage closed XXXX XXXX, XXXX ). Unsigned and un-initialed disclosure statements. Ocwen continues to violate CFPB v Ocwen case # XXXX filed XXXX/XXXX/XXXX. Ocwen has ignored past settlements with XXXX as Trustee. Settlements they are liable to through past mergers and acquisitions. An Addendum provided me as " Written Request for Validation of Debt '' states at " Lenders Request '' collateral for Loan is XXXX acres and house yet they have taken all XXXX acres through Sheriff 's Sale. Loan was also sold to FHA ( maximum XXXX acres ) and sold back to Bank due to poor underwriting. Recently Ocwen hired XXXX XXXX ( XXXX XXXX XXXX ) to strong arm, harass, and bully me declining my efforts to resolve Mortgage. Most recently Ocwen has hired XXXX XXXX XXXX XXXX to respond to my claims by continuing to squash my supporting documents to my claims and perpetuate the Fraud on XXXX different Courts. I have provided an e-mail from ISD XXXX XXXX schools proving that this Mortgage could have been ( and still can be ) resolved immediately provided ISD XXXX XXXX XXXX is provided Guaranty of " clear title ''. Ocwen could and should provide that Guarantee of " clear title '' return me to my home and compensate me for this ongoing In-Justice RespectfullyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I am sending this complaint  on Sychrony   Bank American Eagle Visa ca rd. I am upset that the company reduced my credit limit to make my debt usage on the card  XXXX  %. This reduction caused my  credit score to be affected by   XXXX   points. The company sent me a letter showing my score wa   XXXX  and my attachments show my new score. When I called to inquire the representative told me it was systematically done and there was nothing they could do about it. I have had the card for  XXXX  yrs along with  XXXX  other  Sychrony bank cards and ha ve never paid late. My limit was {$3900.00} and my balance {$1600.00} and my limit was dropped to {$1700.00} for no reason at all. I would like for this company to reinstate my credit limit on this card 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 2021-06-21
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not own or know these accounts. I demand an investigation and removal of these collections accounts that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Revenue Recovery Corporation
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
a check was mailed out on XX/XX/2015 with my online bill pay with my bank and they held it and only cashed it on XX/XX/2015 and still say I did n't pay even after I provided a copy of the canceled check and told XXXX on XX/XX/2015 that it was unpaid which is 13 days after they had the money in their bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Financial held {$75000.00} of flood insurance proceeds in an escrow account until I was able to sell the property in a short-sale. Once the short-sale was completed, they did not inform their subsidiary of these escrow funds, and Ocwen issued a XXXX form showing a " discharged debt '' of {$100000.00}, when it should only have been {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I sent several letters let Experian know that XXXX XXXX Bank, XXXX is not the owner ofthe debt any longer, they refused to remove it and stated that they will not investigateit any more, even thought XXXX is not the owner of the debt, I also sent a letter toXXXX XXXX Bank who sent a letter back stating that they are not the owner of the debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently signed up for  XXXX   XXXX   XXXX  around  XXXX    XXXX  . Upon the people at   XXXX   XXXX   XXXX   XXXX  checking out my debt at  Paragon  they was able to remove  one account from there records but not the other account. I received a letter from Paragon Collection Agency stating they are validating the debt by sending me a medical bill that does not show my actual signature on this bill that they submitted to an insurance company. This is not validation of the debt as it does not show a signature on this documentation that they provided but instead, it seems to violate HIPPA laws as they should have t his information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have an alleged XXXX account for XXXX on my Experian credit report.I have disputed this account several times with Experian as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Experian credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
XXXX DOFD - XX/XX/XXXXExperian DOFD - XX/XX/XXXXXXXX DOFD - XX/XX/XXXXThe FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Experian is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Experian responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
These people have now sent me a letter with an attachment that shows that the debt was written off by the creditor so why do they keep contacting me? In addition, I asked for proof that they billed the insurance company and this does n't show that. It shows no insurance response. That is not my fault they did n't bill the insurance company when they had my insurance information. Do I really have to obtain and attorney about this???? I contacted the insurance company and they stated they have NO records of XXXX XXXX every billing them and that my insurance was in order! STOP contacting and harassing me about a bill that was never submitted to the insurance company. I have health issues and you are not making them any better! You keep XXXX.

Company response to consumer: Closed
Consumer complaint received 2017-03-06
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card
Issue: Other

Complaint:
I got myself involved with business opportunity fraud.Ipaid three companies XXXX, XXXX, and XXXX.I called Wells Fargo for help and received none.These companies did not render me the service i was promised.I told the bank I have no functional online business, no way to earn money, and ended up heavily in debt Wells Fargo seems to agree with these merchants without even contacting them.How is this fair? Me being the customer along with the bank should be able to ask these merchants for proof of what they did.Im out XXXX and the bank says to bad.These merchants should be put in jail for robbing the elderly.I was also told by the attorney general i had the right to dispute these charges as claims and defenses. What good are laws if the bank does not follow them.I do not feel i am asking the bank to do something there not suppose to do.

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 2015-08-14
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My husband XXXX XX/XX/XXXX-XX/XX/XXXX with XXXX. He suffered from XXXX since XX/XX/XXXX. In XX/XX/XXXX, he died from XXXX XXXX the day after his XXXX birthday. He participated in VA health care. This was diagnosed by a private doctor, as XXXX with XXXX. We believe from exposure to XXXX XXXX. He died XXXX XXXX, XXXX. Left me a single mom of XXXX children. I have managed to keep our home by refinancing my XXXX mortgage. When he passed he has a home equity line for XXXX from Wells Fargo in his name alone. They cut off my access and told me I was not liable for the loan, however since I signed the Lien I would loose my house if I did n't keep up the payments. So I continued paying auto pay of XXXX a month, they would not discuss the terms just that I had to pay. The payment was approx XXXX. Now I find out 10 years later this was an interest only loan and balloons in XXXX XXXX. Now all of a sudden Wells Fargo is offering to let me assume the loan. If they would have let me do that four years ago I would have streamlined it into my va loan, which I ca n't do because it 's not my debt??????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am the author and owner of all communications within this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 13 years 3. There is no Balance History in this account - and there should be as this account was opened for over 13 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed 7. FCRA states that this account must have a balance of XXXX, and this field is blank, please correct this information. There are no Terms in this account, and it was Monthly - please correct this information. 

Please validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.

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 2021-06-18
Company: National Credit Adjusters, LLC
State: OH
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:
This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -NCA # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan is escrowed but our lender, Network Capital did not pay our property tax and we received a notice of delinquent from the county. We reported this to our lender but they have not made any corrections.

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 2017-02-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my owner occupied home in XXXX XXXX, CA XXXX in XXXX. 
I used 80/20 financing from XXXX Mortgage/Litton. 
I defaulted in XXXX. 
I was negotiating a loan modification with Litton. Later Litton sold the 1st XXXX to Ocwen who modified my loan in XXXX, writing off about {$350000.00} of principal, lowering my loan amount from about {$570000.00} to {$220000.00}. I had to " earn '' this reduction by making timely payments for 3 years, etc. 
Now I have discovered that Ocwen did not eliminate the 2nd ( from the original 80/20 purchase ). 
I believe a case can be made that Ocwen should have eliminated the 2nd at the time of the modification. 
By not doing so, Ocwen effectively transferred the equity/benefit of the Principal Reduction to themselves! I believe it is irrelevant that Ocwen does not own the 2nd : the current holder of my 2nd, XXXX XXXX presumably paid good money to someone for it because they are demanding {$110000.00} from me! So something that had no value was given ( my ) value fraudulently. 
I believe Ocwen was " paid '' by the US Government to provide me with this loan modification because I believe it was the result of a settlement with the US Justice Dept. whereby Ocwen agreed to do penance by offering loan modification to atone for its sins. 
So I believe a case can be made that Ocwen defrauded both me and the US Govt. XXXX/Litton XXXX al is also guilty because someone sold a worthless 2nd that is now worth {$110000.00}. 
The 2nd XXXX had no value before the principal reduction and should have been eliminated if Ocwen had used a modicum of common sense. If they had notified me, I could have negotiated with the 2nd, just as is routinely done in Short Sale transactions were is it almost universally true that XXXX sign off for nothing or close to nothing because if the 1st is underwater and doing a Short Sale, the 2nd is worthless. 
It seems to me that a case can be made that Ocwen had a duty to me because since they were modifying my loan they were in the similar position of a Mortgage Broker or Bank with Superior Knowledge. 
It seems to me this is a possible test case/ class action case. There must be many defective loan modifications out there similar to mine where the banks defrauded the US Justice Dept and the borrower. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Made XXXX requests to obtain my consumer report from SageStream. SageStream argues that the forms of identification I have provided are insufficient to get my consumer report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a bad debt from an apartment move out. I offered to pay for what I felt I owed but the apartment company would not discount the final bill to what I felt was reasonable and covered in my lease. They sent the debt to collections. After several phone conversations to get the debt reduced to what I owed I was not successful. The last representative I spoke to offered me a number and told me I had to pay then to resolve the debt. I said I would not make a payment over the phone and that I wanted and invoice sent to me to define the settlement. He said he could not do that so no way I was giving my CC info over the phone. Then he told me I could go only to the website. I went right to the website and entered my account info that was given to me. The website gave me an option to make a settlement offer. I entered the $ I felt I owed first and it came back as a no on settling that amount. I made a second offer and that was accepted. I paid the agreed settlement and a $XXXX processing fee and the debt was settled. I printed the letter and confirmation from the website and was done. 

They started calling me again and when I answered no one said anything so I called back on XX/XX/2016 at approx XXXX. The person that took the call told me I still owed them money and my settlement wasn't enough. I told him I used the website and got an accepted offer and took it.He basically said that I still owed the rest of the debt. He said the documentation I claimed I had wasn't valid. 

Out of frustration I spoke some curse words and hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: First Data Corporation
State: NV
Product: Other financial service
Sub-product: Check cashing
Issue: Fraud or scam

Complaint:
I visited XXXX # XXXX on XXXX/XXXX/15 I wrote a check lost my check a day later froze my bank account with XXXX and a few days after things had cleared I closed the bank account XXXX took my money I had earned using their reward program so I inquired why my {$29.00} had dissappeared I w as told it was for a check returned to contact a certain person I called left several messages no one responded so I was forced to file a XXXX complaint now working with someone in corporate that is taking care of the issue not even a couple of weeks later my checks are being returned from my new account I get a notice from TRS Recovery that Telecheck had blocked me from using my checks if I ever wanted to use a check again to pay {$48.00} that was for a {$23.00} check with a {$25.00} returned unprocessed check I tried to get TRS & Telecheck to remove the negative stuff from my credit while I work with XXXX but they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello Ill like to file a complaint on Chase thy closed my account a day after I spoke to a representative was nothing wrong with my account and thy didnt have any reason why thy did it the only thing what was that representative realized on my name that Im XXXX I called in already a few times and try to see if someone can help me always the same answer thy cant give out more information why I was closed Since I know I didnt do anything wrong or violated any rules So must be thy did it because my religion I think its so unfair Ill appreciate if someone can get back to me Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Clear Debt Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Back in XX/XX/2015 I had taken out a Pay Day Loan with XXXX.The Loan was {$400.00} and about 2 weeks later I had gotten caught in a bind.It was some things I had to pay and I was n't able to pay the loan back.To get help it was a Validation company that I joined call XXXX They sent Validation letters to XXXX to see if they are licensed to do business in the state of Alabama.And several months later I had found out that they was n't.

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