BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear CFPB : My loan number is XXXX and is presently with Ocwen Mortgage. 
Originally the mortgage was with GMAC mortgage, and the principal loan amount was {$280000.00}, initiated XX/XX/XXXX. 
I fell behind due to several reasons, mainly financial burdens and inability to make payments on time around XX/XX/XXXX/XX/XX/XXXX. 
I applied for a loan modification under the new Obama plan and got approved after XXXX months with a lower payment but with a huge increase in my principal amount owed. It went to {$360000.00} or so. I complained and requested details from GMAC, did not get any reasonable response except that they were due to consolidation of loan. 
The loan was then acquired by Ocwen ... was remodified after me paying around {$18000.00} total in cash to both Ocwen and GMAC. 
My principal is now almost {$440000.00}. I have approached on phone several times and have no reasonable explanation for the loan to go from {$280000.00} to the present {$430000.00} inspite of paying for the last XXXX years. 
CAN YOU PLEASE HELP. I am still behind because of these reasons and these practices of GMAC and Ocwen. 
XXXX XXXXAddress of property : XXXX XXXX XXXX, XXXX XXXX, XXXX USAThe property is lying idle, since I had to move for job purposes to XXXX. It gets rented often, but is now vacant. I would like CFPB to help. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: TN
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:
REPORTING ITEMS ON MY CREDIT REPORT THAT ARE A RESULT OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
WHY WESTERN UNION RUNS AN ILLEGAL AND DECEPTIVE ORGANIZATION : ( 1 ) BECAUSE ALL THEIR FACILITIES LISTED ON THEIR WEBSITE ONLINE AS " AVAILABLE '' EITHER HAVE A SMALL DOLLAR AMOUNT LIMIT FOR PICK-UP OR ARE CLOSED EVEN THOUGH THEY ADVERTISE THEMSELVES AS " OPEN ; '' ( 2 ) ALL THEIR TELEPHONE OPERATORS ARE FROM XXXX AND DO N'T EITHER SPEAK OR UNDERSTAND XXXX ; ( 3 ) THEY PURPOSEFULLY MAKE IT HARD FOR YOU TO PICK UP YOUR MONEY SO THAT THEY CAN COLLECT AND KEEP THE DAILY INTEREST AND/OR HOPE THAT YOU GIVE UP AND LEAVE IT WITH THEM FOREVER, THUS ALSO GOING BACK INTO THEIR OWN ACCOUNTS FOR THEM TO KEEP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
After paying off our mortgage we were due a refund and the mortgage company failed to give us our money. The company gave several excuses and hung up when we insisted on a response for our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
>Multiple hard inquiries were pulled by XXXX XXXX XXXX XXXX ( XXXX  ) for same credit application using XXXX ( XX/XX/21 ; XX/XX/21 ) >Applied for HELOC with XXXX  ( XX/XX/21 ) >Before applying was told full process takes approximately <60 days ( expected close around XX/XX/21 ) >Approaching 60 days, critical items remained undone, including the appraisal >Underwriters said credit score is good for 120 days, possible will need to pull again >To avoid being penalized for another hard inquiry, I authorized pull within 45 days of first >Credit was pulled 46 days after the first, falling outside of the shopping window >Received an email from XXXX XXXX  XXXX acknowledging their inability to provide the level of service and speed to close. Hiring people and working weekends ( XX/XX/21 ) >Closed the loan XXXX  days after application ( XX/XX/21 ) >I filed a dispute with Equifax but their automated process for inquiry disputes did not enable me to provide context, argument, or support >I called XXXX and bounced around 6 different agents resulting in my information being passed along to management for further contact

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
reporting inaccurate information

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 2022-07-23
Company: Experian Information Solutions Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
When I called a representative kindly agreed to have this late payment removed from my account now that. It has been paid in full and I have since been on time with all recent payments.

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 2017-02-13
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage is with ocwen. They have denied every modification that we have applied for. Since the last modification I have indicated that I want to sell the house thru a short sale and i have sent XXXX offers. To date, I have not hear from them. On today, I called them XXXX for them to give me an update. I started calling XXXX about XXXX and as of right now I am no further than I was this morning. Ocwen has held my life hostage with this mortgage and they want continue to lie cheat steal to myself and family. This is not a game to me but the obvious is to them. I want to either get a modification or sell rhis property. I NEED SOMEONE ON MY SIDE RO GET A RESOLUTION. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to resolve my mortgage issue with OcWEN for over two years now, and keep reading about the XXXX XXXX XXXX and the National Mortgage Settlement Administrator giving OCWEN glowing reports and upgrading them. Their are still a HUGE number of Lawsuits pending against them and I should be XXXX of them. They told me to go into arrears so that they could start the Loan Modificationa nd proceeded to delay delay dealy the results, lost paperwork that was FEDEXED to them. Stated that docs were out of date and more and more and more ineptness pushing the amount I now owe to over {$100000.00} and pushing my credit lower and lower ... This criminal organization should not be allowed to " buy '' their way out of trouble and somebody in the organization should go to jail!! I just read an article that they received a favorable rating from this bureau because they have not received as many complaints about them ... Did you ever think that normal people that they have taken advantage of are tired of complaiining when the deck is so clearly stacked against them. So I am telling everyone today if you are still having problems with OCWEN like I am keep the complaints coming. Dont let them Win they should be out of business and disallowed from paying penalties unless it is to their victims ... And no {$120.00} doesnt cover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Amazon and XXXX XXXX are reporting the same debt as a collection on my credit. I contacted both companies with an ID Theft Report proving to them that I was the victim of Identity. I have not received any financial gain from the account listed. 
The entities named above validated the debt as mine, yet they did not provide any documentation legally linking me ( XXXX XXXX XXXX ) to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that he has never resided at. 
2. according to the FCRA the number one way companies validate an account is through a signature neither of the entities above have done so.

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 non-monetary relief
Consumer complaint received 2016-09-01
Company: Maximum Title Loans, LLC
State: AZ
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
First and foremost I owe the company. How ever they hired someone to collect the money. He or she contacted me after XXXX and made empty threats to me and said they already made a visit to someone who they scared so bad to pay them. XXXX advised when I can pay in full and they continued to threaten met and said only way they leave is me paying or by the cops at my work. I asked not to be bothered at work but they declined and said they will see me the following day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with The Fair Credit Reporter Act XXXX  account Indigo XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions

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 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX a charge of {$100.00} was made to XXXX. I originally made a donation of {$100.00} to XXXX XXXX  ON XX/XX/XXXX, and this charge appeared the next day. I contacted Bank of America to start the process of a fraudulent charge and have a new card sent out. The new card arrived and I felt like the situation was resolved because the charge was removed. I received a letter on XX/XX/XXXX stating the charge was reversed, due to merchant provided documentation confirming I received the merchandise or service. That is false and I called again and spoke with someone. This back and forth calling about the charge has continued with it either being a billing dispute or a fraud charge. Ive spoken to at least XXXX people. I finally ended up writing a letter with additional information stating the phone number given to me during one of the phone calls went to a real estate and injured wild life message. There was no information to leave a message or speak with someone. This website is in California, and I have no reason to need anything from there. 
I have received two more letters telling me that that since I personally didnt make the charge ( s ), we confirmed it was made by authorized user on the account or someone who has permission to use the card. I cant get BOA to show me any proof of what merchandise or service I supposedly received. I have been a customer for XXXX  years, and this is how Im treated. They simply will not budge on crediting my account. This is not a large amount, but yet I never authorized it, and will continue to get interest added for this unpaid charge. It is obvious BOA doesnt care about any customer whether youre new or a long term customer like myself. This situation has been ongoing since XX/XX/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 monetary relief
Consumer complaint received 2016-07-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I do Not Know who was the Foreclosing Entity, I can not and have not received the information on who is the Holder in Due Course of the Note, Loan. 
The Wrong Entity has Taken an Action it was not Legally entitled to take a Violation of 15 U.S. Code 1692e - False or misleading representations. 
CIT Bank shows Transferred on XXXX/XXXX/2012 but does not show to Who? 
How Much was Transferred? See Exhibit attatched

Company response to consumer: Closed
Consumer complaint received 2016-03-02
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX and XXXX Subject : Ocwen Loan Servicing , LLC Phone # XXXX Loan #. We have a major problem with Ocwen Loan Servicing. Ocwen foreclosed on our home XXXX XXXX XXXX. They refused to go over our Deed in Lieu after they made a critical mistake on the documents sent to us to SIGN. Ocwen left out XXXX XXXX XXXX lien then claimed we were late however they would view our paper work. They have for closed on this loan and the tenant has stopped paying rent. We do not believe how inept Ocwen is - now everybody lost. 
After receiving papers back their information was not correct - they put on the form that we did not have a XXXX mortgage - tried to get me to sign & send with a " Trust Me '' statement. 
I informed Ocwen of our problem and they gave me new blank sheets of paper we ultimately filled out for a " New Deed In Lieu ''. We corrected the mistake which was the XXXX lien holder they left off of our home with XXXX XXXX XXXX. 
We have a tenant and a broker however tenant NOW will not pay rent due to for closure of Ocwen. Ocwen will not honor the rent payment - non of this makes sense, we lost the tenant, she is suing, manager is upset, we are upset, everybody is loosing. 
They are now asking for my income for last two years. I received SS of XXXX in XXXX and spent the time caring for my wife - XXXX. In. XXXX we lost {$71000.00} due to economy and real estate. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, ( original Creditor : ) acct # XXXX, ( original Creditor : ) acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXXXXXX XXXX XXXX  acct # XXXX late payments, XXXX XXXX XXXX XXXX # XXXX 120 day late payments, XXXX XXXX 60 day and 30 day late payments, XXXX XXXX 5 30 day late payments has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Crossroads Systems Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Because of the covid it has made me impossible to work, they moved 2 payments, after that I have been trying to make my payments and it has become very difficult for me, but I been paying. 
On XX/XX/21 I send a payment of XXXX dollars which has not been credited to my account and I received a letter saying that if I do not pay everything in full ( XXXX what is XXXX and XXXX payment ) in 30 days, the house would be put in forclosure. 
I have called them to try to fix something and ask for help, but it is impossible to come to an arrangement with them especially with Mr. XXXX who always has a bad attitude and said that they do not accept partial payments. I'm not asking to be accepted partial payments, I'm trying to pay my debt as much as I can. 
I'm a XXXX XXXX mother and she's in my residential house.And I know the contract and commitment I have, but when I wasn't there the covid my account was up to date I actually paid a little more than my monthly payment is. 
I don't understand how there can be people so inconsiderate that in addition to it taking advantage of the thing that you don't get financing with a bank and they finance you using interest so high, they want to take advantage of you and take away what little you've achieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
i filed bankruptcy in XX/XX/XXXX and it ended in XX/XX/XXXX got letter from a debt collector saying i still owed XXXX on the second mortgage, i was told all that i still owed was XXXX but they are saying that this was interest on what was owed on my loan bankruptcy showed what was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have been having a problem with a mortgage Modification loan with GMAC Mortgage, Owcen Loan Servicing and XXXX since XXXX/XXXX/XXXX. Yes some three and one half years. I have experience misdated letters, miscommunications, multiple relationship managers, 4 approvals for a loan and mortgage amounts and loans which did not match the information I was given by these companies. Since this has been dragging on since XXXX we have had to incur some {$88000.00} of interest and fee 's we believe needs to be credited on the loan by Owcen Loan Servicing, LLC. They are now trying to schedule a " Trustee Sale '' for XXXX/XXXX/XXXX even though they have a new packet ( application ) in review which is a violation of The federal governments Affordable modification Act. I have just sent all companies concerned a demand letter asking to have the " Trustee Sale '' Cancelled upon pending application review and to send us a certified letter no later than XXXX/XXXX/XXXX resending that sale. We are in receipt of all communications with these companies, expanded summaries of the situation and a " TIME LINE '' upon request. Our HUD/XXXX Representative from XXXX XXXX - XXXX XXXX XXXX suggested we file this complaint with your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Netspend Corporation
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX XXXX transactions were made to XXXX XXXX. One transaction was for XXXX and the other transaction was for XXXX. The XXXX transaction was made in error so I reached out to XXXX the very same day and ask if they could reverse the {$420.00} charge. XXXX reversed the charge and sent it back to Netspend. I opened up a dispute with them as I was directed to do as they said the money wasnot sent back. Claim number XXXX. Netspend refunded XXXX on XX/XX/XXXX but didnot refund the additional XXXX. That is a total of XXXX which was what I disputed. I call them several times and was unable to get a resolution. They passed me around each time and it seemed they didn't have any notes in their systems. I let them know that I was not going to open another claim as this was their faults. If they look at the account, they would see two seperate transactions happened on that day to the same company. Im disputing the second one for XXXX. They are adding the XXXX ( which they refunded me ), but they have not refunded me the additional XXXX which is a total of the XXXX which I disputed.

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 2022-04-19
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 1261 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our loan with XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX, we paid off that loan- we paid {$60000.00} through XXXX XXXX on behalf of XXXX XXXX . However, during that time, the loan was transferred and the payoff never netted a release or satisfaction of mortgage. The loan shows transferred/sold to a new lender/servicer in XX/XX/XXXX. We are in need of the mortgage release/satisfaction of this loan.

Company response to consumer: Closed with explanation