BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-15
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
ocwen mortgage refuses to do a loan modification on my loan. I have tried to get a modification on my loan XXXX times and I always get the answer of they can not do it. Loan is at 9 % way above normal rate. We are behind on mortgage they re fuse to help or use any of the gov programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
There was wrongful foreclosure sale on my property ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX. XXXX, XXXX, XXXX XXXX, XXXX, acted as the debt collector in this foreclosure. Ocwen Loan Servicing was servicing the loan, but are not the owners of the debt. Correspondence was sent to Ocwen Loan Servicing demanding validation for the debt. Ocwen Loan Servicing sent paperwork trying to validate the mortgage on the home, but was unable to validate the debt. Also the transfer or Assignment of Deed has signs of " robo-signing '' as well as incorrect information. Transfer of the mortgage has not been done correctly nor has the mortgage company validated the debt. Also there is an Affidavit of Fraud done that never got answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a {$17.00} payment to XXXX through Bank of America bill pay service /XXXX  said they did not receive the payment I called the bank the bank said that bill pay service said that they paid the merchant/ I told Bank of America I wanted to dispute the charge but they would not dispute it because they said they can not dispute their own pay service i then close the account but my {$17.00} was still missing and has not been paid to the merchant or return to me

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 2022-10-13
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I have sent out all that was required of me by XXXX and Experian, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a BBB 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 non-monetary relief
Consumer complaint received 2021-01-13
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested Mr. Cooper provide a full accounting for all payments for 2020. I received a reply dated XX/XX/2020, The cover letter stated that on XX/XX/2020, payments on my account were reversed back to XX/XX/2020 to update the interest rate effective XX/XX/2020 to 1.625 %. The effective rate shown on my XXXX and XXXX statements were 1.75 % which is the same rate on the monthly ARM notices I received for those months. 

The reversal and reapplication of my XX/XX/2020 payment resulted in a higher balance. If the reversal and reapplication of my payments is due to a lower interest rate, then less interest would have been the result and more toward principal and a lower ending balance. Their reversal and reapplication of all subsequent payments for the year resulted in what I believe to be an overcharge of {$31.00} in year to date interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: AmeriHome Mortgage Company, LLC
State: IL
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:
1 ) I resumed my mortgage payments after being on forbearance due to temporary loss of income from the covid-19 lock down. I applied for and received the FHA National Emergency Standalone Partial Claim. After receiving a credit alert, I see this has been reported to the credit bureau as " Loan modified but not under a federal government plan ''. This is not true, it was a federal government plan, it should not be reported to the credit bureaus. 

2 ) I began making payments to this company in XX/XX/XXXX after my mortgage was sold to them. I have not missed one payment, other than while on forbearance. When I went off of forbearance in XXXX, they did not allow me to make a payment in XXXX because the paperwork for the stand alone needed to be completed first, and they did not penalize me or attempt to collect the month of XXXX. Now I see they have reported a missing payment for XX/XX/XXXX on my credit report. 

I have attached a copy of the letter sent to me that shows I was granted the FHA National Emergency Standalone Partial Claim, as well as a screen shot of my XXXX credit report showing the missing payment and incorrect loan modification report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX First I phoned Wells Fargo I lost my job. I asked them about HARP and if I qualified. They said no ( I later found out that I did ). WF talked me into a modification loan which was to help me. They never explained that it would make my credit score sink to nothing. They also created a separate account which I made my modification payments too, while my other original account was still open reporting I was n't paying anything to. Which created a late payments and interest build up. The added {$10000.00} to my loan. From the time of the mod to the end of the mod, I paid in over {$13000.00}, that does not include the {$10000.00} extra tacked on. I was told this mod would take about 3 months to finish, it took almost 1 year which hurt me. I found a number direct to the harp program, they acknowledged that I would have qualified very easily. I would like to get back everything I have lost. I can not buy anything because of Wells Fargo. I have sold my house and cant buy another even through Wells Fargo where they know my history. This is the worst Mortgage company I have ever dealt with. I know they are under investigation for other accounts, but someone really needs to look at the mortgage side and how the handle and convey information plus everything should be done through one account not create another. In my opinion the is wrong, this shows incorrect reporting to superiors and stakeholders and to public.

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 2016-10-21
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I called into the bank about a credit limit increase. I was concerned about a hard inquiry to my credit report. The representative informed me she would make a change to my online account, informing me to preceeded and assured me it would be a " Soft '' pull inquiry. I applied and called back to confirm my previous call and was again assured that it would be a soft pull. Well it was n't and they Lied like really lied. They are refusing to remove a hard inquiry that I did n't not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
This account was initiated over 12 years ago and they created a new date and I can't explain how they were allowed to do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!

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 2022-04-15
Company: A-L FINANCIAL CORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I bought a car on XXXX later the same year i went to prison, when i got out everything was gone. T his company send me a letter with a warrant from the superior court sue in me about that loan for the car. I was reading the STATUE OF LIMITATIONS FROM AZ FOR DEBT IS XXXX YEARS. Is too old. I never gave contact from that company before A-L FINANCIAL CORP.  I did a report a police report on XXXX i went today but i was close. I talk to XXXX the person and she told me with the police report i was good for them and fax them. Now i have to wait to the appointment arrive to quash the warrant and explain to the judge. I losing time and work days because of this situation. i really need my job to take care my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I 'm filing this compliant against Ocwen Loan Servicing , LLC, I submitted a modification package to have my loan amount and payment reduced due to financial hardship and because the house had dropped roughly XXXX %, my modification was approved in XXXX 2015, but the loan amount was escalated to {$290000.00} from {$110000.00}. I felt rushed to accept this deal, so I would n't lose my property. Please investigate the financial structure in which the loan was underwritten and other stipulations in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: IN
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 been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This needs to be removed or I will file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CNG FINANCIAL CORPORATION
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
To whom it may concern, I am very disturbed about my dealings with a company know as Check n Go I was under the impression that given the CARES ACT in place given the pandemic, that 300 % interest rates had been curtailed. I have dealt with this company in the past and the interest rate had been halted due to the virus. 
The loan for {$5000.00} was opened in XXXX of XXXX and to date XX/XX/XXXX I have made a substantial payment of {$1100.00}. When contacting the company, I was told that the monthly interest had already accrued and I was owing exactly what I had initially borrowed all over again. 
This is unethical and constitutes thievery. I am operating in good faith to pay back a loan as quickly as possible but was told by an employee that the first nine payments go entirely to satisfy interest only resulting in a XXXX XXXX dollar balance owed. 
I ask for the help of the CFPB to make contact with this organization and to reign in this practice once and for all. This is resulting in taking severe advantage of people that have no idea of the methods of this company and their true stealing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: 4M Collections, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX companies reporting same information on credit report, entered into a payment agreement with XXXX of XXXX, Ca. on XXXX/XXXX/2016. They are accepting my credit card payments directly to them, therefor discovery financial has no right to report same information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: PA
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 been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

I am very disappointed and I will call my lawyer ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
As I have not heard back from Equifax in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX my husband XXXX XXXX, my current address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I applied for modification over three times with Ocwen Loan Servicing LLC, Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fl XXXX Contact person XXXX from the office of the consumer Ombudsman XXXX, Case number # XXXX. The modification was denied over three time the last application sent in XXXX XXXX was approved on XXXX XXXX, XXXX, after a filed a complaint to the XXXX, my contact person is XXXX phone XXXX. I raised my concern with the president of Ocwen and the time they gave me the runaround, just to tell me that I was n't approved for a HAMP. I was approved for an internal modification, which such my principal balance on XXXX XXXX was {$240000.00}, they are charging me {$130000.00} on late charges and other fees that they can not confirm. Ocwen proposed for me to sign a Balloon note for {$370000.00} dated XXXX XXXX, XXXX, In which I sent a letter replying to XXXX XXXX XXXX at the office of the consumer ombudsman requesting for then to reconsider the type of modification they were proposing. I also ask the reasoning of the kind of modification and the reason it took over two years to get an answer, which makes us more delinquent on our mortgage payments since they refused to take partial payment on my mortgage. I explained the reason we became late on our mortgage was husband got injured in the job XXXX and is a XXXX veteran, he 's pension took some time to get approved, and after his injury, we have an ordeal of medical bills. A year later in XXXX, I lost my job and was without working for about two years, currently working. I am not sure why they do not want to work with us on our mortgage. By then taking over two years trying to modify my mortgage impact my credit, and I am not able to take a loan for my children education, affecting my credit. We are not refusing to pay, and we just want to continue living in our house with our XXXX kids, and based on my husband current pension check and my salary we can afford it. Based on the latest communications with XXXX XXXX dated XXXX XXXX, XXXX, there nothing they can do, is a take it or leave it to offer on the modification sent on XXXX XXXX, XXXX. I believe their offer is very unfair, and they can not justify the balance owed, with fees that they can not justify. Please help us. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I settled this account with XXXX XXXX  thru XXXX XXXX XXXX on XX/XX/XXXX. The balance has not updated and they reported 2 late payments for XX/XX/XXXX & XX/XX/XXXX. I am currently in escrow with homebuying and nobody will fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: SYNCHRONY FINANCIAL
State: GA
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:
I have several inquiries on my credit report that I have seen recently, that is negatively affecting my credit rating and scores.

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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried several times to dispute discrepancies on my Transunion credit report online only to be meet with, We are having technical difficulties every single time. I have also tried to freeze my Transunion credit report to also be meet with, The Transunion Credit Freeze Service is Temporarily Unavailable, despite what time or day I try. 

Ive had other family members and friends who disputed items on their Transunion reports online with success. As well as freeze their report. 

I have filed a claim against Transunion in the past for inaccurate reporting and negligence and every since this occurrence I have not been able to dispute or freeze my Transunion Credit Report online.

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 2022-04-12
Company: EQUIFAX, INC.
State: NJ
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: PA
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:
This is old information. Switched insurance companies. No laps in coverage. This company wanted me to pay for this when I had switched in the proper time frame. Still on my report.

Company response to consumer: Closed with explanation