BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Once again I got an email telling me they have fixed the issue. Yet they have screwed it up even more. Now every single account I have had and have with XXXX except the one that was actually discharged, notes that it was discharged in bankruptcy. Even my current 15 year mortgage that I got post bankruptcy says it was discharged. Experian is committing several egregious violations of the FDCPA. If they were actually validating these accounts then XXXX would be telling them the true status. Also on the XXXX XXXX/HELOC for XXXX ( the one that was actually discharged in bankruptcy and the only one that needs to be marked as discharged. ) XXXX still claims a mortgage lien on the property so if they sold it or transferred it as you are insinuating then why does my title say different?

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 2015-08-04
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwenloanservicing in XXXX XXXX XXXX Florida continues to mark me XXXX days late for XXXX 2015 although the loan had been paid off in full through refinancing with XXXX XXXX. I was informed by XXXX XXXX on XXXX XXXX, 2015 that it is still showing as late for XXXX although ocwen no longer held the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX ( XXXX XXXX Credit Card ), and Experian have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and Experian re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Experian XXXX ( XXXX Credit Card ) Item Status : Item latest removal was on XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration and with inaccurate information. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, 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 2016-06-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My only correct address on my report is XXXX n.y XXXX I resided there since 2001. Also no correct employment is on my report, I have worked for XXXX from XXXX to XXXX. Now my employment is XXXX XXXX N.Y 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 2015-09-09
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My complaint is in reference to the Independent Foreclosure Review paying agent - GMAC Mortgage. My mortgage had been through GMAC Mortgage but they forced me out of our house after calling it home for XXXX years. Apparently, my ex-husband wrote to the Independent Foreclosure Review and asked that the payment be " split '', so they cut him a check for 50 % of the payout. XXXX XXXX tells me they have no checks or procedures to confirm the legitimacy of the request ( XXXX XXXX, so they simply do as they 're directed - by WHOMEVER gives them direction - in this case, my ex-husband who was looking to be wrongly compensated on a property he 's had NO LEGAL rights to since vacating the property in XXXX. He has NO LEGAL RIGHT whatsoever to receive anything from the property. It was written in our Divorce Decree that the divorce documentation would serve as legal documentation should he fail to sign a quit claim deed XXXX anticipating his lack of cooperation even back then XXXX. I paid to have all documentation notorized and recorded with the XXXX XXXX XXXX office. 

I have contacted GMAC Mortgage XXXX who thinks I still live at the property in question ), and they will take absolutely no ownership of the foreclosure payout. I have spent months trying to get this resolved through GMAC, XXXX XXXX and even the Attorney General 's office. Since the Attorney General 's office notified me that they can not be of any help, I have tried the Office of the Comptroller of Currency, the Federal Trade Commission and now, I am trying to resolve the issue through your office. I submitted a claim ( initially ) against the Independent Foreclosure Review, but after a week XXXX, I was notified that a claim can not be filed against them ( would have been helpful to have been told this while speaking by phone with a CFPB representative XXXX. No one claims to have the knowledge or ability to resolve the situation and correct the payout, paying me what is due me. 

I am attaching the divorce documentation I am referencing as well as a copy of the letter sent on behalf of the Independent Foreclosure Review - by XXXX the Paying Agent. 

GMAC should have provided correct, up-to-date payout information to the IFR and XXXX XXXX, XXXX Their record-keeping is and was so poor, they failed to note that my ex-husband had NO LEGAL RIGHTS to the property as of 1999. When I tried to resolve this issue through them, they showed I still resided at the property they foreclosed on. They should be held accountable for wrongly processing my foreclosure and additionally, wrongfully paying someone that should not have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had filed a complaint months ago. I thought we were working toward a solution. everything was going along fine until early XXXX 2015. I received a call from the person at Ocwen who 'd been assisting us. She told me I had to pay {$4500.00} dollars to satisfy the investors. Problem was I had to call her the next day which I did but she was not available due to a XXXX in Texas. She 'd also given me the name of another contact which I tried to contact as well but he was n't available either. I waited for some XXXX to return my call but it never happened. I eventually made a payment ( a week or so later ) not knowing exactly what to do. I made XXXX payment for the " normal '' monthly payment. It was declined. Since then I have made several attempts to come to some sort of resolve to no avail. Over the past XXXX I have received calls from Ocwen once telling me I have to pay them {$7000.00}. The following week they said I have to pay them {$20000.00}. They are no longer taking payments and I fear I will lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, we refinanced our home with XXXX XXXX, they were closed, then we were transferred to GMAC, closed again by the feds, stuck with a very badbad mortgage, un-notarized, unsigned docs. Closing person came to my home not knowing nothing about the XXXX acct we were given, then we were sent astatement saying we were denied the loan because of my husband 's no credit. 
the APR was different on several docs, my name was not on the promissorynote, took my name completely off but was on the mortgage, split the XXXX. Wewere paying for insurance on the mortgage through monthly payments. We received the insurance policy through the mail. In XX/XX/XXXX, my husband died, the insurance company refused to pay the house off. Ocwen steps in and files foreclosure on my homewith false docs because I refuse to pay for what should have been paid offthrough the ins co. Ocwen does not own my property, how can they foreclosewith false docs? XXXX Superior Court I have sent letters to the judge, motions, proof of my complaints with this company, I have appeared in courton numerous times, the court or judges do not respond to the motions. XXXX Counties ' court system so corrupt to violate my rights as a citizen andconsumer? How can fraudulent papers by Ocwen get them a court date orSheriff Sale? What is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
To : XXXXConsumer Account AnalystOffice of the Consumer OmbudsmanDear XXXX This was in regards to case number XXXX. The reason I am writing back this time is to Thank you and the office that you represent for all the assistance you have extended to me. I have just recieved a call today from XXXX XXXX Relationship Manager from Ocwen Loan stating that my case was already been acted upon after a very long time. It is you and your office that make them listen and do what is really right and fair for my case. I am already getting ready to file a legal case with Ocwen but I am glad I did contact CFPB first. I also realized by doing a litigation, it will cause me money and have to wait for a long time again for a resolution. I am very glad I did n't have to do that option anymore. This thing happened because of your assistance. I believed the only thing I am waiting is for them to do an accurate credit reporting, which I do understand will happen perhaps in the next 30 days. Again, thank you very much for the excellent service you have provided to me and for sure to many other people like me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been in touch with several Ocwen representatives over the last 7 weeks in an attempt to take the necessary actions to remove the PMI on my account. I have been given different information by each associate and my requests for a valuation, personal appraiser requirements, timing, and payoff have gone unanswered ( note : I have a full record of the associates, dates and information I was given if requested ). I have made formal requests via email and US mail. None of the responses to my letters addressed my actual requests and each time I called the customer care line I was given the run around. It truly seems as if the associates are trained to be misleading and provide limited information and assistance so that Ocwen can benefit by continuing to receive financial rewards. In my most recent letter to Ocwen, sent via email and US post on XXXX/XXXX/15, I provided details and dates of all of my calls and requested in writing the following information. 
1. Cost and timing for completion of an Ocwen-managed valuation. 
2. Confirmation that Ocwen will accept private appraisals, and if so, which vendors must be used. ( I was told by a few associates that a private appraisal was acceptable however I received a letter from Ocwen dated XXXX XXXX, 2015 that states " If requested me must receive a current property valuation procured through OUR vendor '' ). 
3. The date that the principal would meet the criteria ( LTV = 80 % ) to remove the PMI if I continue to make standard payments. 
4. What is the current amount that, if paid immediately, will permit the removal of PMI from my mortgage. 
5. The name of a contact at Ocwen, located in XXXX XXXX XXXX, FL, that I can contact directly for assistance with this process. 
Again, I have received no response to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
XXXX XXXX, account opened XX/XX/2017 and XXXX {$0.00}. This is a closed account but company is showing late payments and I have never been late on any 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 non-monetary relief
Consumer complaint received 2015-11-17
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This company called me on the company work landline phone, during work hours when there were customers on the sales floor, demanding I let them speak to my supervisor so that he could garnish my wages, without a judgement. He was rude and I felt bullied by him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The contractor hired to repair collapsed deck cashed the {$7800.00}. insurance check issued by Ocwen Loan Servicing , LLC, XXXX. XXXX XXXX, XXXX XXXX XXXX Fl XXXX in XXXX, 2013. I have obtained a Judgement against the contractor, XXXX XXXX XXXX, and my lawyer needs a copy of the cancelled check in order to enforce the judgement. After multiple requests over MANY months, Ocwen has failed to supply me with the documentation I need to pursue the judgement and recover the funds the contractor stole.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX L # XXXX They took {$230.00} for insurance protection that they did n't have. Began on XX/XX/XXXX until XX/XX/XXXX. They filed a class A lawsuit. Government gave them {>= $XXXX} and they were suppose to pay back the customers back. I recieved two {$2.00} checks and I never cashed them to this date. This is unaceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Did not give authorization to discuss medical information to an outside or 3rd party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have attempted to remove incorrect account information on 3 separate occasions, including in writing. The result state that the Credit Bureau has verified and the item in question belongs to me. I have asked for that proof. I have not received any proof that this collection account is mine. The FCRA specifically states that you must provide proof that this account belongs to me. I do not owe this debt and I am certain you will not find my signature or authorization for this account. I have stated that my name is similar to many and my identity has been confused with other similar names. If this account is not resolved within 30 days I will pursue additional litigation and request the state attorney general to include my case with their investigation and pursuit of criminal pursuit against your bureau and credit reporting agency. 
XXXX XXXX XXXX Account # 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 2022-11-15
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I accidentally XXXX the wrong number was trying to send {$250.00} to my son. I type the wrong XXXX it should have been XXXX. I have never XXXX money to XXXX area code and for Navy Federal to tell me its nothing they can do about it was crazy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a monthly payment agreement with social security, not a third party collection agency, to pay the full amount of their overpayment. I have been making monthly payments since XXXX of 2014. Experian shows failure to pay every month despite these payments resulting in a very low credit score. I disputed this with Experian in XXXX ( spoke with XXXX ) and provided proof of the monthly payments. I received XXXX reports XXXX XXXX stating Experian is not able to make changes to my credit report until they contact Social Security. I called Experian today and spoke with XXXX again. She said that social security responded to their dispute inquiries on XXXX XXXX, told them my most recent payment was XXXX XXXX, but is still reporting that it is a collection account and that it was sent to collections for non-payment. So I called Social Security today and spoke with XXXX. She said that on their end, once it is reported is stays on her record until it is paid or for seven years, but she does not know how the credit agency reports it. She also stated it was not up to social security how it gets reported by Experian, but she would have thought it would show payments for the months I made payments. She also said I might want to try talking to someone else at Experian. I do n't understand how Experian can continue to report non-payments every month when I am making payments every month to social security directly and paying the full amount owed. This has had a huge negative affect on my credit score. I am attaching the documents I sent to Experian when I filed the initial dispute. I am also including a screen shot of my Experian report that shows when you hover over XXXX of the months it shows " failure to pay. '' This is for XXXX of the months included in the statements I provided to Experian verifying payment which I also attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please help assist me, there is a judgment showing up on my credit report which is NOT mine. I have disputed several times and Experian reply 's they verified which is not accurate. I called the court house and the company whom filed the judgement and confirmed myself this is not mine. I want it removed from my report. There is also another issue reporting XXXX XXXX child support, this is inaccurate also stating I owe I do not owe anything on child support again took it upon myself and contact this agency, I am correct nothing is owed, I also am requesting this be removed. It is very sad this agency does n't verify anything and keeps on reporting inaccurate data. My next step will be hire an attorney and contacting my states attorney general office if not 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 non-monetary relief
Consumer complaint received 2015-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The Merchant XXXX XXXX and XXXX XXXX, according to the debt collecter, Portfolio Recover Associates, LLC, sold them the debt. I never received a bill from The XXXX XXXX or XXXX. When I asked the debt collector what it was I bought, they could not provide that information. When I asked them to provide my signatures on the CC slip, they could not provide that either. The representative told me that I set up the account without knowing it. What really hurt me is that the debt shows bad on my credit report. Therefore, they probably have my social security #. I know they at least have the last XXXX. They have called my house also to try to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under XXXX XXXX XXXX. The discrepancy is that the statue of limitation for this debt has ran out in my state. I have talked to the company about this and I have the response email attached. The law in my state of Maryland is also attached. I saw Experian is reporting that I am late on payments for this debt. I disputed this inaccuracy and Experian said that it is accurate. I have proof its not accurate and this is not the only inaccuracies I have on my credit profile that is hurting my credit.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I authorized Portfolio Recovery Associates to withdraw XXXX from my account monthly to pay on a closed XXXX. Instead, they took out XXXX. They did not have an answer when I called and asked why it happened.

Company response to consumer: Closed with explanation