BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX reside at XXXX XXXX XXXX XXXX ny XXXX with my husband XXXX and Daughter XXXX XXXX Hsbc Beneficial are nothing but scammers. They have ruined my life along with my family. The refuse to work with modification, lower interest rate. we are paying XXXX which is extremely high. They are taking full advantage of us because of low credit scores, and lack of knowledge. 
How is it that those that were originally clients of Beneficial Finance, which is a predatory lender are now being taken advantage of a worse lender HSBC. We were n't ask if that 's what we wanted. Our accounts are sold out before the ink dries to the biggest crooks that seem to be monopolizing this business. Since there are so many complaints against Beneficial Finance/HSBC why has n't Consumer Affairs done a thorough investigation which would include an audit on the accounts of the consumers that have complained. I do n't think that is too much to ask for. Listing our complaints on a website might stop those that are thinking about getting a loan through either of these companies, however the consumer whose mortgages have been transferred to HSBC because of a merge etc should not be made to be robbed continually, for something they had no control over. 

Once you get involved with these companies it 's like being in quicksand, you never seem to get out. They have also called me all hours of the day including my place of employment and contacting my supervisor gave her personal information, which is a violation of my privacy under the HIPPA laws. I request their phone records should be requested to be reviewed for exceeding calls and threats. I also disagree with their response from the first complaint filed. All the info the responded with was all a bunch of untrue documents. I feel they should be held accountable for all the stress with them forcing us into foreclosure status They have ruined my life. We had a loan approved through the VA mortgage. When we ready to close to the mortgage agreement. Hsbc stated we owed them additional XXXX XXXX of interest. 


I 'm hoping XXXX can help assist me get this company to clear up my account. Because I am being made to pay my mortgage to include an escrow account which would have made my mortgage higher, however I am being made to pay a higher mortgage payment, and pay taxes and insurance outside of the mortgage. And now they want to add on more money to include another escrow, why when they have n't use the amount that was supposed to include a escrow account in the first place. I 'm not the only one with horror stories towards these companies. I feel these claimed are founded to be valid then an audit over the whole account should be done. I need your help, we need your help if you ca n't help us please direct us to who can. I live in New York State. When the lender modifies your mortgage it has to be in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I went online to receive my " FREE credit score & {$1.00} credit report ''. I was also, unbeknownst to me, signed up for credit monitoring etc, at the rate of {$17.00}. I feel like this is a shady and fraudulent practice, because I was allegedly aware of the product I signed up for based on size XXXX font in a noticed designed to look like an advertisement on the bottom right of the screen, that was n't even part of my browser window without scrolling. I called the company to dispute the claim. It took me awhile to unsubscribe and they refused to refund my money since I had used the service ( I had to log in to find a phone number to call ) and had been made aware of the service on the XXXX screen of the process. Very shady and I want to say fraudulent practice, since I did not knowingly give them permission to charge me for the service, nor did they provide any paper work or notification that I had signed up for a trial-turned-paid service. It really XXXX that the company that is used to protect you against fraud is fraudulent itself. What I authorized for purchase was a {$1.00} for a " free '' credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Transunion continues to ignore all of my requests for investigation of wrong information on my report, Transunion has not notified me of any changes or investigation. 
I have received no emails nor letters from Transunion, addtioanlly I pay for the monthly service and see no alerts or notifications it has been over 30 days and have received no update original letter dated XXXX/XXXX/2016

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 2016-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Transunion has ignored my request to provide me with documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Bison Recovery Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On multiple occasions Bison collections sent threatening calls to me regarding service date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX i received a call from this company with XXXX agents on the line requesting for payment. I advised that I am unaware of these service dates. The agents continued to bully me on the line. They referenced that they can see my credit score, mortgage payments, and paid off student loans for my children. I continued to state that i am unaware of the service dates and would like a verification of validation. Another agent then told me that " I could be sitting on a lottery ticket and when can you begin to make payment. '' I was shocked and very bothered by this and was n't able to get a word in edge wise. I advised them of my XXXX XXXX and my XXXX started to affect me during the call. Another agent contacted me within hours and again requested for payment. I asked again for a verification of validation letter and he stated he could request but there was no guarantee and again insisted i make payment or they would sent the claim to their lawyer. I then asked if the agency could contact my insurance company at the time of service on conference call. The insurance agency stated they did not have a service date for my self or anyone in my family got the dates of service provided. ( This was a conference call with Bison Collections, XXXX ( insurance ), my daughter ( witness ) and myself. I then asked the representative at Bison to contact the doctor of which they stated the service was sent to collections and at first the Bison representative refused and stated it would be a conflict of interest. The agent then agreed to call the medical provider via conference call. The medical provider stated they would have to go through their archives but they did not see anything for the date of service XXXX/XXXX/XXXX nor XXXX/XXXX/XXXX, but would research. ( these calls were made on XXXX/XXXX/XXXX ) This call lasted about 4/5 hours. This collection agency is requesting round {$2800.00} for XXXX service date of which the medical provider nor the insurance company can seem to find. Bison Collections have yet to send any statements as well. I even request for certified mail to serve as proof of receipt. I am not aware of this bill and have yet to receive any statement nor verification of validation letters. As last week i continue to receive calls from this company requesting payment and i continue to request for statements. Today I tried calling the collection CO, and the representative refused to tell me who he was, or where they were located, until i provided my name and SSN, I then hung up.

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 2021-03-22
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo failed to resolve my online banking password reset request for more than a month. I had the following Wells Fargo case numbers on dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX XXXX Wells Fargo failed to resolve my case on time and caused great harm to its customers.

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 2015-04-12
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am complaining about OCWEN loan serving. My loan was sold to OCWEN in XXXX XXXX. My first payment was sent to them on time. Two months after they send me a notice stating the previous lender claimed I had not made the last XXXX payments. I sent copies of cancelled checks, and bank statements to prove I had paid them. They send me a letter stating they were satisfied. Two months later they start all over. I sent them again. Then they came back claiming I owed money from a bankruptcy chapter XXXX. I had the trustee from Texas send them information stating I had satisfied all paid money due to previous mortgage company, and nothing was owed. I was then sent in XXXX XXXX a foreclosure notice with a date to sell off my home in court the following month. I haired an attorney to stop the motion, and he immediately sent a no trespassing order, and tried for months to communicate with OCWEN. I even set up bi-weekly phone calls with OCWEN to try and resolve the matter. Then suddenly they state I owe XXXX from my XXXX mortgage, because they were posting payments to my second mortgage for 8 months. They reversed it back the my XXXX mortgage, but also took escrow to pay insurance and taxes first even though I had been paying entire note with escrow fees for both XXXX and XXXX mortgages. The attorney removed himself from the case and gave my money back. OCWEN offered loan modification but I did not qualify, and they would not refinance my loan. I still fought with them. In XXXX XXXX they started refusing payments from my XXXX mortgage and was threatening foreclosure again. They told me if I paid the XXXX I owed they would stop it. I hired a real estate attorney, and he stopped proceedings. The XXXX court hearing that was set up and they were certified notification they did not show up and it was rescheduled and then cancelled again. I have spent XXXX in legal fees and nothing is being accomplished. Before all of this started I was in the process of refinancing my home, I was paying around 22 percent interest, and was going to get a 4.5 % rate, but because OCWEN claimed I was behind 3 months I could n't get it refinanced. I am trying to sell the home, and they agreed to let me, but now they want me to start paying some bogus amount till I do. I filed for chapter XXXX to keep my home after Hurricane XXXX, to provide a roof over my college age daughter expecting a child, and myself. I paid everything back that was required from me. I bought the home in XXXX for XXXX, and now owe XXXX. In reality I should owe around XXXX on the home. This has been nothing but stress, and nothing is being resolved. My advice to anyone is if your mortgage is sold to be serviced by OCWEN you better get away from them. I have paid XXXX for a house I am being faced with losing. These people get away with this. Not only that they will not post payments for days after they receive them when paid in

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Certified Credit & Collection Bureau
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX paid for the debt and the money that they are collecting is more. In addition, the original debtor is trying to collect the difference not paid by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am writing to you again because my attempt to communicate with TransUnion resulted in the message " Session Expired '' while I was still completing their form. 
As previously noted in your case number XXXX, I wrote that a fair resolution to this issue would be for the company TO EXPLAIN IN SPECIFIC DETAIL OF HOW MY FICO SCORE DROPPED FROM XXXX to XXXX IN TWO MONTHS. 
I have carefully reviewed the company 's response to me, and I can not find an answer to my question. 
I trust you will agree I need to know exactly what happened during that XX/XX/XXXX-XX/XX/XXXX period to avoid future dramatic decreases in my FICO score. 

Thank you for your help in this matter. 

XXXX XXXX XXXX, FL.

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 2016-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent XXXX letters to Trans Union and XXXX to have hard inquiries removed that was not initiated by me. I have asked for signed verification that I initiated and it has not been proven. Inquires that are not initiated by myself to be removed.

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 2017-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Dear CFPB Staff, I initially contacted Transunion Credit Reporting Agency back on XX/XX/2017 requesting a copy of my free annual credit report and to update my address since I had retired and moved. 
They sent me a letter back saying I needed to send them proof and to mail them my Identity papers along with a copy of my Utility bill to show my current address. This I have done, but I have still have not heard back from them. It 's been over 60 days. 
Would you please help? 
I want to thank you in advance for your help and look forward to hearing from you shortly. Please let me know if there is anything else you may need. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2016-04-12
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I purchased this home as my principle resident in XXXX with another lender, shortly after closing Ocwen became the servers of the note. In XXXX XXXX I made arrangements to pay my XXXX tax in monthly payments of {$260.00} with the Tax Assessor office. Later I get this notice from Ocwen that they have paid my tax for XXXX and XXXX. I told Ocwen of my payment arrangement and that my XXXX tax was not due. They created an escrow account to pay my tax and ins. I never had an escrow account during the life of this account. My mortgage payments went from XXXX.to XXXX in a pass due notice date XXXX/XXXX/XXXX. I never stop making my monthly payments of XXXX. Each time I would may a payment they would suspense the payment instead of applying to the loan. Ocwen called me about this late payment I paid over the phone and again on line thru my on line banking resorting in an over payment in XX/XX/XXXX. The record show I send my XX/XX/XXXX payment on XX/XX/XXXX Ocwen rec 'd on XX/XX/XXXX.. My current statement dated XXXX/XXXX/XXXX show an increase in payment from {$670.00} to $ XXXX.due to an interest increase from 6.60200 % to 7.25000 % with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been logging complaints against Ocwen since XXXX and still my issue and those of at least XXXX other individuals have not had closure with this inept and corrupt company. How long will they be allowed to stay in business and disrupt peoples lives? Their stock continues to drop like a rock. I believe at the time I registered my first complaint, OCWEN stock price was approx. {$60.00} per share. As of right this minute it is trading at {$1.00}. How long before this company is de-listed and sent packing and those who run this company sent to jail? And when will all those people who have been ripped off be compensated for their losses because of this company? 
Again, in my case they have been/are in collusion with XXXX XXXX XXXX XXXX. and their legal representative XXXX XXXX. They were attempting to sue me for approx. {$35000.00} dollars and then settled with me, out-of-court for approx. {$5000.00} and then went directly to Ocwen and received money from them without my knowledge. Then as recent as a couple of month ago in XX/XX/XXXX and STILL do this again for approx. {$7000.00} which OCWEN paid them ( XXXX ) even though this has yet to be rectified. 

I do n't know what else to do/say. Ocwen, should until this gets resolved at the very least, be banned/bared from foreclosing on anyone else. 
As usual I am afraid OCWEN will go under before they can pay me or anyone compensation for all their wrong doing. They are attempting to foreclose on me again ( this is about the 3rd time ). This needs to be stopped NOW. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: DISCOVER BANK
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Discover credit card never issued me a statement for the months of XXXX and XXXX, and I was not able to log in and see my statements online and they are reporting me as being over 30 days and over 60 days late. This is preventing me from purchasing my first home and needs to removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX CARD SERVICE with ACCT # XXXX opened on XX/XX/2015 with a balance of {$31000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
This Complaint is against OCWEN, Loan Servicing, LLC for failure to foreclose on a residence property. 
I vacated the residence in Virginia in 2009. Originally, XXXX XXXX XXXX had the loan but then it was conveyed or sold to OCWEN, LLCDue to a divorce in 2009, I was required to pay {$2700.00} per month to my ex-wife. I could no longer pay my mortgage payment. For the past 6 years I have attempted to short-sale ( 3 times ), then for the past 3 years have attempted to utilize services related to Deed-In Leiu of Foreclosure to no avail. All theses liquidation attempts were made through Ocwen services. 
Impact to my life : I am a homeless veteran that can not obtain credit or use my VA home loan to re-start my life because OCWEN is showing that I have an active loan on my credit report. Bottom line : Ocwen will Not foreclose on property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have been informed by XXXX XXXX XXXX that TransUnion has different incorect info for my address. I wrote TransUnion a letter stating my correct address where we have lived for the last nine years ( letter attached ). They sent a letter back stating I could gp online and make corrections. When I went to transunion.com and tried to register it would not accept my correct address. My address is XXXX XXXX XXXX XXXX XXXX and apparently their system can not handle a XXXX. It 's asking me to enter a ". '' or a " # '' which is not my address. I attached a current water bill and as you can see they have my address correct. The problem with the address they have on file for me, which I 'm sure is XXXX, is a problem with their software and not my problem. There is nothing I can do to correct their system. Please help me get this corrected as I have already wasted enough time on this issue. 

Thank YouXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO. 
XXXX HomeXXXX Cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
They have not corrected my personal info after many attempts by me via Fax and mail.

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