BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices causing the Homeowner and spouse great deal of XXXX needlessly. 

Ocwen entered in to Loan Modification ( attached Exhibit C ) after the Homeowner has successfully completed all required payments. Ocwen has twice since XXXX of XXXX arbitrarily without notice and contrary to the completed Loan Modification Agreement. Changed the modified of 3.76 % to 8.25 %. 

In XXXX XXXX Ocwen completed Modification Agreement and the Homeowner then made seven ( 7 ) monthly payments of the requisite amount of {$4400.00} then on XXXX without notice Ocwen in violation of the Modification Agreement increased the monthly payment to {$7100.00}. 
When the Homeowner contacted Ocwen to inquire as to why the change they were told it was an annual increase. The Homeowner were force to enlist help from counsel and XXXX/XXXX/XXXX ( Exhibit B ) Ocwen issued a correction letter citing on XXXX XXXX they identified the error and made the necessary adjustments. 

When the XXXX ( Exhibit A ) Mortgage Account Statement arrived Ocwen once again without notice or reason has once again increase the interest rate form the contractual {$4500.00} ( 3.76 % ) to {$7200.00} ( 8.25 % ) that an 119. % increase of the interest rate!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: ONEMAIN FINANCE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I filled out a survey for XXXX  XXXX, where I only entered high level information about my situation. I never entered my social security number or any detailed information and my credit score got hit because it says I applied for a loan with One Main?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Uber Technologies Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a lease contract for {$170.00} per week, i 've been paying this for almost 12 months. Apparently Uber initially had me sign the wrong lease Contract, which was for another car their payments were {$170.00} per week, mine should 've been {$170.00} per week. Since uber lease made a mistake in having me sign wrong contract and quoted me the {$170.00} per week they told me they would have me signed a new contract and honor the same terms ... this was back in  XXXX . Last month they started taking out {$170.00} per week, I 've called them several times over the past several weeks and I keep hearing the same thing it 's been escalated, they 're working on it but they need me to produce a contract showing the {$170.00} per week which I did with the old contract could n't find the new  one  I initialed. Still looking for new contract but they do n't have anything in writing with me signing anything stating I would pay {$170.00} per week. This is a breach of contract,  Uber  leasing company has failed to correct this and is continually taking out the wrong amount. This all started initially with them taking out a Extra amount of {$150.00} out of my direct apposite for no apparent reason, all payments have been taken out of my account by direct apposite for the past 12 months every week for {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Found a problem on my existing credit report dated XX/XX/2022. Conf. XXXX, mailed to me. 

Under soft inquiries on page 8 of 14, I found derogatory information inserted between street address and city of an soft inquiry. The derogatory information reads " LOSS MITIGATION '' between XXXX  XXXX XXXX LOSS MITIGRATION XXXX XXXX TX. 
and dated XX/XX/2022. 

NOT a proper entry. There is no bad information anywhere else on the whole report. 
Called the Credit Union, and they deny any such entry of 'LOSS MITIGATION '' put in between street address and city names. 

Asked Equifax to investigate - confirmation number XXXX. - I can't find this number ever being filed 24 hours later.

During the process, I asked the agents name- he refused to give it to me. I asked for his supervisor and he put me on hold for over 45 minutes and then hung up on me.

During this process, I asked for a corrected Credit Report- he said it was impossible to mail it to me at my current address, even though the original credit report was mailed to me at my correct address.

My ideas and assessment of the problem : 1. A mixing of two credit files which inserted bad data on page 8 under Company Information. The credit union denies this derogatory information.

2. Equifax states this is an improper method of reporting.

3. Equifax failed to identify the agent name and ID number or allow me to speak to his supervisor.

4. Exquifax said they can NOT mail a corrected credit file to my address under original credit file number XXXX at the same address. 
5. I am looking for employment and this derogatory information may hurt my chances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Good morning I was a sun trust customer for 10 years I was victim of fraud and stolen identity the bank decided to close my account and I had XXXX dollars on my savings I went to the branch and they told me they wont give to me my son needs a XXXX and I cant get my money back I think this is not legal they also kept XXXX from my checking please advise Thanks

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 2015-04-24
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX, I initiated a rental agreement with the Homeowner to utilize the backyard for a community garden project in the XXXX of XXXX. XXXX, I began renting the home from the Homeowner on a month to month basis with the common interest of making needed repairs on the property. XXXX XXXX, I was contact by the Homeowner that the property was in foreclosure which was owned by XXXX Bank at the time. In early XXXX, the property was auctioned off to XXXX XXXX. In late XXXX, I attempted to purchase the home from XXXX XXXX and was denied a mortgage. In XXXX, my son, XXXX XXXX who is a veteran, attempted to purchase the home along with his wife and he was told that he did not have sufficient income and he was not approved. He had sufficient income and sound credit when he applied. Eviction proceedings were initiated at that time. Late XXXX, I gave a check in eviction court to XXXX XXXX for the amount of {$80000.00} certified funds and I was told in court that the price was {$390000.00} and that my offer would not be granted. After that court hearing, I had the property appraised showing that the property was only valued at {$70000.00}. My offer was for {$80000.00}, {$10000.00} more than what the property was appraised at the time. The property was then listed on HUBZU.com for {$85000.00}. I have submitted offers to at minimum XXXX auctions on line, I have remained the highest bidder in the last several auctions and my offer has yet to be accepted. At this point, the lender seeks to evict me and my family from the property. I live in the home with my XXXX year old mother who is a recent XXXX and I have made every effort to remain in place and satisfy the debt of the lender who refuses to work with me on any resolution. 
There has been significant confusion of who OWNS the property and who can accept or reject my offers to keep the home. The property located directly north of the home was sold for {$71000.00} which further demonstrates that this property is not worth the requested {$390000.00} of the lender. 
The appraisal of the property cost {$300.00} to verify that all information stated is true and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: AMERICAN INTERNET MORTGAGE
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a XXXX conventional mortgage closed and serviced by AIM Loan, with their corporate address being listed as XXXX XXXX XXXX, XXXX XXXX, IL XXXX. The loan was initiated in 2012, is current in all respects, more than 50 % payed off, and with a remaining LTV of less than 30 %. I live in the state of Minnesota. The loan terms and state statute provide the specific authority for me to remove escrow, given the above facts. 

I have repeatedly engaged AIM Loan through their preferred communication approach : AimLoan.Com. I have made 4 separate and distinct attempts to request that AIM Loan provide instructions for removing escrow. In all cases, AIM Loan confirmed receiving my request but then failed to subsequently respond. I have attempted to resolve this issue with AIM Loan for over a year. 

Given AIM Loan 's violation of both loan terms and state statute and their unwillingness to even respond to the requests, I seek CFPB 's engagement. I would ask CFPB to assist in requiring AIM Loan to provide specific instructions and facilitate removal of escrow per my repeated requests. I also ask that CFPB and it's partners take enforcement action against AIM Loan including restricting their ability to offer financial services to consumers until they are able to respond in a timely manner to all consumer requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My XXXX mortgage was sold to OCWEN in XX/XX/XXXX. Since that time my escrow has been miscalculated requiring yearly catch up. Also, they transitioned to a new " web '' system and now I can not retrieve any payment info prior to XX/XX/XXXX which is affecting a refi with another bank. They are not responsive and have horrible outsourced XXXX based customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions 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:
Contacted Experian numerous times since I was made aware about fraudulent accounts on my credit report but the company continues to report fraudulent accounts. I have sumitted an FTC Identity Theft Affadavit for these accounts but accounts still are reporting. These accounts need to be removed! 

1 ) XXXX  XXXX XXXX 2 ) XXXX/ XXXX  3 ) XXXX XXXX XXXX  4 ) XXXX   XXXX  5 ) XXXX XXXX

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 2020-11-16
Company: WELLS FARGO & COMPANY
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This is a fraud loan application process online, without any document verification. 
The fraud application of personal is banker, not random people on the street. ( Applicant is a banker, maybe he knows WF bankers ... ) Please see the attached letters from the mail. This is the first time I get this letter. 

Please see page 5 signed by my e name and time zone is XXXX. which is a fraud, I am living in XXXX, SC, XXXX. 
I am a student employee at the XXXX XXXX XXXX XXXX 
Please check page 6 my employer is XXXX, XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX pays me {$2400.00} /month. NOT $ XXXX/month. 

How WF verify my income and asset?

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 2022-09-16
Company: Resurgent Capital Services L.P.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX I was sued by LVNV funding. I was never properly served, so in XXXX of XXXX when the attempted to levy my bank accounts I filed motion to stop levy and motion to reverse judgement. I won. Immediately I requested for validation of debt and they had until XXXX they failed. Now they are still refusing to remove debt. In Nebraska the statute of limitations is 4 years for credit card debt and yet they are still refusing to cease collections and remove from credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Affirm Holdings, Inc
State: TX
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:
The problem with Affirm started XX/XX/2022. My husband died, I pulled my credit report and found 3 different accounts. I called Affirm gave them my legal name on my drivers licenses, The last 4 of my social security number, my cell phone number and my DOB. 
Affirm can not verify my information, Even when I provide Affirm with the 3 account numbers the send me to my email address asking for me to make payment Affirm on the phone says they dont have a account with the information i give. I have summitted a Notarized Affidavit, A Fraud Police Report and a Federal Trade Commission report along with emails to the FTC. Affirm has this all. Affirm refused to correct my credit report which they say i was late XX/XX/2022. Affirm will not provide me by email I opened this account. 
Affirm Emails me every day demanding payment on 3 loans they cant provide me information i have. when i call there Auto service line enter my cell number then enter the Verifcation code they txt me. Affirm says i have no accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have tried many times to have this company remove me from their list. Apparently they are a collection company and I have told them I am not the person they are trying to reach and requested they remove me from their list. A few times the representative on the other end will say ok I will have you removed. More often than not, however, the person on the other end will just hang up on me since I am not the person they intended to reach. 

For example. this morning I missed a call from them. I returned the call to the number in my caller ID, someone on the other end answered and I told them I was returning the call because I missed it. The representative then asked did someone talk to you. I stated no no one talked to me ; I just missed the call and returned the called to the number in my caller ID. The representative then hung up on me. So, I called back. This time I got the name of the representative, XXXX. I asked XXXX for a Manager. She asked if I was the person they were calling for ( but she asked me using that persons name ) and I said no. I gave her my name. I asked again for the Manager. She then wanted me to give her my phone number. I told her she has my number, I just want to speak to a Manager. I informed her that I have spoken to many representatives and been hung up on by many representatives about them harassing me and I 'm tired of it. I want to only speak with a Manager. She offered to transfer me to a Manager 's voice mail. I told her I wanted to speak to a Manager because I wanted the matter addressed and resolved right away. 

We went back and forth for a bit until finally she hung up on me and I never got to speak to a Manager nor did I get transferred to a Manager 's voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been unemployed since XX/XX/XXXX last year. In XX/XX/2016 I because unable to pay the requested amount on my XXXX credit cards I have with USAA. I kept paying them, it was n't much, but I paid them every month till they went into charge off because USAA refused to work with me. When the cards went into charge off, USAA changed my ability to view and operate my bank account. Instead of being able to use the desktop version, USAA will only allow me to use the mobile version. There are a lot of functions I can not use in the mobile version. In other words the account use has been severely impacted. I asked USAA when I would be able to use the computer version and they told me when I pay off both of my credit cards. I paid off XXXX card, but I owe XXXX on the other. That 's going to take a VERY long time beings that I am still unemployed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: CITIBANK, N.A.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX I was sued by XXXXXXXX XXXX. I was never properly served, so in XXXX of XXXX when the attempted to levy my bank accounts I filed motion to stop levy and motion to reverse judgement. I won. Immediately I requested for validation of debt and they had until XXXX they failed. Now they are still refusing to remove debt. In Nebraska the statute of limitations is 4 years for credit card debt and yet they are still refusing to cease collections and remove from credit 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 2015-11-03
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a summons and complaint from a process server stating I was being sued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca bar # XXXX. I was server at my place of residence where I have resided for almost two years. Attached to the complaint is a letter mailed to a address other than mine. I never received and letter to my place of abode. The plaintiff never attempted to resolve this matter without taking action, but false claims to have in there complaint. The current and original creditor is n't listed on any documents and again no documents or communication was made with me. I was denied my rights to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage with OCWEN since 2002. Due to severe financial hardships, I had to remortgage my home that was previously paid for. I have repeatedly asked for modifications to this loan # XXXXxxxx. I was put behind in my payments, when I applied for ( the first of three ) modifications to my mortgage, by being told, via a recorded message NOT to make any payments until the modification was approved. This caused me to fall behind, adding payment on top of payment Then, OCWEN did not approve the modification, and said I owed all the back payments, which was impossible to make, causing my mortgage to fall into default, causing extreme stress and heartache. At one time I was forced to pay app XXXX A MONTH FOR AT LEAST 12 MONTHS, ALMOST CAUSING ME BANKRUPTSY ON A {$56000.00} MORTGAGE TO CLEAR UP THE PROBLEMS THAT OCWEN CAUSED!!!. FOR OVER 12 MONTHS, I HAVE MADE THE PAYMENTS ( {$870.00} app ) ON TIME, AND HAVE ASKED FOR MODIFICATIONS AT LEAST THREE TIMES, AND WAS TOLD EITHER I DID N'T SEND IN THE PROPER DOCUMENTS, OR THEY DID N'T RECEIVE THE COMPLETE DOCUMENTS THAT WERE ON THE LIST, OR THE DOCUMENTS WERE LOST. THE LAST REFUSAL WAS THAT THE INVESTOR WAS NOT ACCEPTING ANY LOAN MODIFICATIONS AT THIS TIME. THE XXXX AND HEARTACHE FROM THIS COMPANY HAS SICKENED ME TO NO END. 
I JUST RECEIVED A CHECK FROM OCWEN FOR {$740.00} FROM THEIR ESCROW DISBURSEMENT ACCOUNT, BUT I AM AFRAID TO CASH THIS AS THEY MAY ADD IT TO MY PAYMENT DUE! CAN SOME ONE HELP ME?????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am constantly getting notices from PCB [ Professional claims bureau, Inc.XXXX XXXX XXXX XXXX NY XXXX ] for debts owed by my adult son. I have informed them several times that they have the wrong person in writing, by email and by phone and I am still receiving debt notices. Please contact me so I can take this further to stop there actions.

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 2020-10-02
Company: Experian Information Solutions Inc.
State: GA
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 have contacted Experian concerning fraud on my credit report and they refuse to remove the fraudulent information off of my credit report. 


I have been disputing the fraudulent information for months and still have not gotten any results nor deletions on my credit report. I went to the police to report the fraud that occurred in my name. Experian  refuse to authenticate the police report and remove the items off of my credit 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