BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-08
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , LLC has had control of our HELOC since GMAC went out of business. 
With XXXX years left on the loan, they have multiplied the amount due each month by 800 % in addition to increasing the interest rate. That is bad enough, but we can live with that. However, the payments are due on the XXXX of each month, with a XXXX day grace period to pay. Because we are educators, our paychecks are direct deposited on the first of every month, so we schedule payments on the XXXX of each month. ( this is within their " grace '' period. But we still receive past due notices that are automatically generated on the first of every month. Ocwen states that they have " no provision '' to change the payment due date. This is ridiculous- credit card companies do this on a regular basis without a problem. As a result of their incompetence, our credit scores have been plummeting due to " lack of recent installment loan information. '' We make the payment that is due each month and we do so within the given time frame. This is yet another indication of Ocwen 's shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Money Recovery Nationwide  is collecting for  XXXX   XXXX   XXXX . in the amount of {$800.00}. I informed them I was disputing it because they were incorrect and I was unaware of this debt on my credit report. The response I received was threatening to garnish wages, said they sent it to their lawyers office already because i was n't able to settle it that day, then the next person I spoke with said they did n't send it to the lawyer. I was also inquiring about a settlement offer and she said sarcastically {$20.00} or so less than the full amount. They refused to give me a print out of what I 'm being billed for, and had contacted my employer which was highly embarrassing, considering my boss answered the phone. When I was speaking with the second individual I let her know that the first woman I spoke with was very unprofessional and spoke with a threatening manor. In the background you could hear the first individual laughing hysterically, and the second woman did n't apologize or even acknowledge it, and just asked what she can do for me. I was crying, and felt like there was nothing I could do. I 'm very scared they will take my money and I 'm currently fighting this debt. I just need help and I 'm unsure who can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are in the process of completing a Short Sale applicationon our home as a necessity as my employer is relocating. Having followed all stages of the Short sale process and securing an offer with terms dictated by our OCWEN relationship manager, who assured us they would be approved, we now have an offer. Once the offer was submitted to OCWEN, our realtor was informed that the property would have to be listed on XXXX as a condition of approval. 
At no time were we informed verbally or in writing that this would be a condition of the approval. Due to the relocation aspect of this case, any involvement of a third party ( XXXX ) in the transaction would be in conflict with contracts we have outstanding with my employer and relocation company. It would also result in the existing, complete offer being retracted and leave us with no offer. We are in the process of contacting the ombudsman, to request support in our case to have the files returned to OCWEN but they are currently with a Third party without authorization from ourselves. Proceeding in the require process, of which we have never been informed, would result in jeopardizing both the offer sitting and the terms of my employment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have an interest only loan and my interest has not changed in years. But my mortgage company keeps raising my PMI. I am also proper tax exempt in Michigan because I am a XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was recently reinstated after Ocwen Servicing wrongfully foreclosed on my property during the processing of my modification request. Ocwen rescinded the foreclosure and reinstated the deed. Recently I received a mortgage statement it reflected a substitute deed recording charge, sheriff fees, Lender placed Insurance fee. These charges have been included in my next month mortgage payment. My house was wrongfully foreclosed. Please request Ocwen remove the fees associated with the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: U.S. BANCORP
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a checking account at US Bank in XXXX, Oregon. I live only on Social Security. I am XXXX years old and I forgot to record an automatic transaction from my checking account. I was then notified that I was overdrawn. I planned to take care of it as soon as possible but the bank accumulated late fees daily for 16 days and charged me {$600.00}. They new it would n't be covered until my next Social security was deposited but still tacked on unbelievable fees.. I explained the situation at my local bank and the manager would n't relieve these charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My federal student loans are serviced through Navient. Every year I have to renew my income-based repayment plan, as my payment would otherwise be almost half my monthly income. Every year I submit this on time. Last year, I paid Navient twice at the full amount while they were processing the plan because my loans were on auto-pay. This year, I submitted the plan XXXX XXXX, and Navient has been " slow to process requests due to an unexpected increase in the volume of claims. '' Tonight I again received a full bill for XXXX XXXX. Navient has been sitting on my income-based plan for more than a month. I fail to see how they are still experiencing an unexpected increase when they said the same thing to me last year. Their " responsive '' ( no joke, it actually has that in quotes on the top of the page ) website does n't even have good documentation of the status of my request, though they did send me an email confirming that they had received it which I am keeping in case things go the way they did last year. It 's ludicrous that something that should be so easy ( other loan providers for my wife already got back to her about her plan ) is always so difficult with Navient, generally to my detriment through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After literally years of trying to get Bank of America to send documentation as to why and how I am bound to their terms, I received an interesting document from Seterus whom Bank of America turned my loan over to. Now to be very clear, Bank of America did not provide this document to me even though I have been asking for it for years but here 's the most interesting part, it is a 'Assignment of Mortgage ' document dated XXXX/XXXX/2016. I hope everyone sees the issue here, they have for years not only been harassing me and collecting money and everything else, but very clearly they had not done what was proper and there 's still parts to it that are not proper but I still have n't put the pieces together with this. The fact is that Bank of America has grossly mis-handled my loan and I have another document that XXXX has provided which I believe to be forgery but first, I would like an explanation from Bank of America on this document and that explanation should include why BoA did not file this previously and also why was I not provided a copy from BoA??? One very notable part of this is that my loan was transferred to Countrywide so I still do not believe that this document is valid or relevant in any way. Another thing is that this document was never recorded which perhaps is a clear indication BoA knows there is a problem with this document. One more addition is that the 'note ' that XXXX sent does not match the original mortgage note that was recorded for the loan so again, there is A LOT of suspect material at this point!

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 2017-05-02
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: Their investigation did not fix an error on your report

Complaint:
Reports of said account is still being reported without being verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In reviewing my credit report in late    XXXX   XXXX  ,  I saw a negative entry on my report from  XXXX  collection services. I sent a written letter to this company on    XXXX   XXXX   XXXX    asking for verification of this debt or a copy of my contract with this company. As of this date,  Franklin Collection  Services has yet to respond or provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Reoccurring problem from a prior complaint on XX/XX/XXXX that i filed against US Bank where the services that i have signed up for like text and email alerts on my account balance for when it drops below a certain dollar amount do n't ever work until my account is in the negative for hundreds of dollars.

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 2017-05-02
Company: GREAT LAKES
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have negative marks showing up on my credit report for a student loan that should NOT be, but rather a  XXXX  benefit that was apparently processed INCORRECTLY. When I applied for classes in approx.   XXXX   XXXX    , I used my   XXXX   XXXX   XXXX   benefit to cover all costs, with  0 bal ance due. After later receiving some suspicious emails regarding a student loan due, I called the college several months ago to check my status, which they said is good, as I am now a   XXXX   XXXX   preparing to use further benefits for my education. My prior attempts to get more information through the suspicious email were unsuccessful, so the college agreed it appeared to be scammers. I am wondering if I need to contact the  XXXX   human resources  again, to check and see how this could happen. Any assistance is greatly appreciated!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage with XXXX XXXX XXXX and they transferred my new loan to LoanCare LLC. As I am accustomed to paying my mortgage ( previously with XXXX XXXX ) online within the grace period ( up to the XXXX of any month ) usually around the XXXX, I make a one-time bank transfer each month and never was charged any fee to do so. Today I find out that LoanCare will charge me a variable fee for this monthly ACH transfer and the fee is based on when I make my payment EVEN within the grace period. Fees are XXXX-XXXX day of the month, no fee ; XXXX-XXXX of the month {$7.00} and the XXXX-XXXX of the month it 's {$10.00}! I find this egregious, unfair and punitive, it 's punishing me for making my own decision on when to pay them and I should be able to pay up to the last day of the grace period if I choose without paying a tiered fee, or any fee for that matter for a simple ACH bank transfer. I do n't know if other loan services do this but I have never seen this before and have refinanced a few times in the last 6 years and no services made me pay these fees. Hope you can help me as I am stuck with this company unless I refinance again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I attended XXXX XXXX and they set me up with student loans that now belong to Navient. After unsuccessfully finding a job in my field, and no thanks XXXX, I found myself in default and unable to pay my massive loans. I have finally reached a point in life where I can attempt to repay my debt. After negotiating with Navient, I have been sending payment to Navient, but it only covers the interest of my loan. My principle still looms over my head. It was the best deal they could give me I guess. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Accounts has not been verified

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 2017-05-02
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My co-signer passed away from  XXXX . I gave the information to  Navient,  the collector stated there was nothing he could do to help me. I am   XXXX   XXXX   XXXX   and not working. The collector told me again there was nothing I could do ... surely there are options for deaths and life circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I did a payment of XXXX $ from XXXX through PNC, but once I did the transaction the person blocked me on XXXX XXXX, I tried contacting on the phone number he has has, but no response, I tried every single way but no response. 
I tried to raise dispute but my company says that as the transaction was dne through XXXX we can not return the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: CORELOGIC INC
State: RI
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: Problem with personal statement of dispute

Complaint:
Hi and thank you for your assistance in this matter but I have 2 hardships against my credit report and the reason why is that I unconsciously applied for credit and was denied on the basis that they couldnt gather enough info for me as I forgot I have everything locked for any information on me, even as far as my social security number so I think this is the reason I was denied to begin with, but I had to report and lock my info because unfortunately all my personal info was compromised to the tune XXXX in three months and had to take the necessary steps to protect myself, so when I applied for the credit I was solely denied because of the fact that all my information was/is under lockdown, I hope you can find forgiveness for my stupidity in this matter and again thank you for all your assistance I very much appreciate it, sincerely XXXX XXXX XXXX email again 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 2016-09-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I went to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and was unaware of some of the loans that I had until it came up on my credit report. I had a sub par education and never got hired in a decent job in the field of XXXX XXXX. I am not even in the field as I work in the XXXX XXXX field working with kids with XXXX. XXXX XXXX XXXX never explained all these loans and I felt pressured when they would rush me through signing some of the loans. I do not even remember signing for all of the loans. I make close minimum wage and can not afford these loans and the cost of living such as paying rent, electric, gas and other bills I have. XXXX XXXX XXXX XXXX, CA and XXXX XXXX, CA Campuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
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 numerous requests to experian to provide proof of verification of   XXXX   XXXX   XXXX   XXXX   XXXX    account that is being reported on my credit. Under the FCRA Act, the bureau 's are responsible for keeping this documentation on file. Under the FCRA, experian has to verify the account with the original documentation in order to comply with the " right to report '' and FCRA laws. If the original documentation is not provided, the company must delete the account. Under the FCRA, Experian must provide a copy of the verifiable original creditor documentation if it is requested properly by the cosumer. Since Experian can not provide proof of verification to me in the form of a physical contract document per this request and the handwritten request that is uploaded to this file, the account is classified as " unverified '' and under the FCRA, all unverified accounts must be deleted. I would also like to note that experian comes back with they have " verified '' the debt but never provided written proof. If they never received written proof, then the numerous times they have come back with a supposed " verification '' is a complete lie and breaking the law.  Either  show me documentation in its original form for the   XXXX   XXXX   XXXX   XXXX   XXXX    account or remove it from my credit report. I have also uploaded my driver 's licnese and paystub with the last  XXXX  of my socail that matches my credit report,  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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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, i felt disrespected by the customer service representative 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!

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 2016-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a total loss on my truck due to an auto accident. I have telephoned Bank of America as has my insurance company to request a copy of Letter of Guarantee and Title as Bank of America holds my loan. After being on hold for ( documented time of 4 hours ) for 3 days in which no one picked up the phone at XXXX, I finally spoke to someone today who said they would do their best to honor the request for the needed information in 5 business days or more ... And to call back if it was not received. While I continue to pay daily interest, rental car fees, and continue to make car payments. I notice when I search the web and Bank of America 's website there is a significant amount of data for consumer auto financing? but very little data on the total loss policy except a phone number that no one ever answers? This process does not in anyway appear protective of the consumer, only of the big banks. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX Auto Loan # 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