BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: Experian Information Solutions Inc.
State: FL
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 no knowledge of account with we financial, I was victim of identity theft and informed Experian of this. I received letter from company that account would be deleted. Ive attached that letter. However, Experian still reporting

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 2021-03-11
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/2021, {$2500.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$5000.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$5000.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$5000.00}, the money was used to purchase XXXX at Western Union at XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$2500.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting foreclosure " started on '' our my husband and my XXXX XXXX mortgage which is n't true. I demand they remove this status because it is causing us an issue with getting a loan. We have tried disputing with Experian through a paper dispute process as well and we have n't been able to get this corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
A Collection agency has pulled XXXX hard inquery on my Experian credit report with out my permission and for no legal permisable reason I have contacted them and had no coperation I would like to have them send me a letter just saying i did not authorize them to get a copy of my credit report. I have talked to experian and they recommended i file a complaint Thank you XXXX XXXX the compants name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2016-06-28
Company: M&T BANK CORPORATION
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I was issued XXXX refund checks from when I sold my house and overpaid M & T Bank. I forgot about the checks and when I found them a little over a year later, I went to cash them with my bank who told me that they were too old and that I needed to contact the company to be reissued the checks. I have made several attempts to contact M & T Bank and every time I speak with them, they tell me an excuse as to why I have n't received the checks. They keep telling me that they mailed them and that I should receive them any day and they never show up. I call them several days later and they tell me the exact same thing. It has been over a month of calling them and I still have no checks. They keep telling me that it is my money and that I do get it, but I 'm still receiving no checks. I receive all other mail and have n't had a problem and it 's strange that they keep telling me the same thing over and over and never have a reason as to why they have n't been received.I have verified the mailing address with them several times and they have it correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have been asking for my mortgage company : Ocwen Loan Servicing ( Loan Depot, Loan Depot Escrow ), to send me a complete copy of the closing documents and to validate their escrow analysis as it is incorrect. They have not provided any information despite my follow-up requests since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX/XXXX/2016, I applied for a HARP refinance loan with Homeward Residential ( Homeward ). I was told I would not need an appraisal for my refinance. I received my initial and ONLY Loan Estimate ( LE ) from Homeward on XXXX/XXXX/2016. A copy is attached. The LE does not include an estimated charge for an appraisal. It does include a general lender credit of {$180.00}. This lender credit reduces the cost of the loan and as such is a closing cost subject to zero tolerance under 12 CFR 1026.19 ( e ) ( 3 ). 
On XXXX XXXX, 2016, I received an e-mail ( copy attached ) from the loan officer indicating that an appraisal was required. I was asked to verify that payment information previously provided was accurate and could be used to process payment for the appraisal. The loan officer indicated that I would receive a lender 's credit for the appraisal amount at closing. I was charged {$440.00} for the appraisal, which was paid. 
I was given no opportunity to shop for an appraisal service. I was told this service was required by the lender. Under 12 CFR 1026.19 ( e ) ( 3 ), this makes the appraisal cost an item subject to zero tolerance. 
I never received a revised Loan Estimate detailing the change in the costs of my loan, as required by 12 CFR 1026.19 ( e ) ( 3 ) ( iv ). After the third business day following the date that Homeward was aware of the change ( XXXX XXXX, 2016 ), Homeward should have lost the ability to charge me for the increase in cost represented by the cost of the appraisal. Homeward should be required to rebate this cost under 12 CFR 1026.19 ( f ) ( 2 ) ( v ). 
On XXXX XXXX, 2016, I received an initial Closing Disclosure ( CD ). A copy is attached. The initial CD included a charge for the appraisal of {$440.00}, shown as paid prior to closing. This CD included a lender credit of {$620.00}. Presumably, this amount was the original general lender credit disclosed on the Loan Estimate of {$180.00} plus the amount of the appraisal ( {$440.00} ). 
The loan was closed on XXXX XXXX, 2016. We received a copy of the final Closing Disclosure, which is attached. The CD did not include a rebate for the zero tolerance error related to the appraisal as required under 12 CFR 1026.38 ( h ). I received no lender credit of {$620.00}, as disclosed on the original Closing Disclosure. 
I contacted Homeward Residential on XXXX XXXX, 2016 to discuss this situation. I was told that I was not entitled to a rebate of the appraisal fee or any other costs associated with this loan. At that point, O notified Homeward of my intention to file a complaint with the Consumer Financial Protection Bureau. 
Under Regulation Z, I am entitled to a rebate of {$620.00} for the increased zero tolerance costs on my loan with no proper disclosure under the requirements of 12 CFR 1026.19 ( e ) ( 3 ) and 1026.19 ( f ) ( 2 ) ( v ). However, Homeward is refusing to rebate these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: AES/PHEAA
State: PR
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:
Since XX/XX/2020, I have filled 3 times a dispute asking for a removal of remarks of delinquency reported by FEDLOAN SERVICING. Each time XXXX sends a letter with the resolution in my favor and an updated report. The problem is 30 days later the remarks appear again in my report. XXXX says there is nothing they can do if the creditors send the remarks every month. This last part clearly violates federal regulations that states : " If the provider continues to report the item you disputed to a credit reporting company, it must let the credit reporting company know about your dispute. And if you are correct that is, if the information you dispute is found to be inaccurate or incomplete the information provider must tell the credit reporting company to update or delete the item. '' The item under dispute is a missed payment remark from FedLoan when the loans were under forbearance. I have disputed this with FedLoan without any luck, even though my evidence is a letter from them stating the the accounts were under forbearance in the same period they claim there is a missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX was give a trial plan by SLS.. He made the XXXX payments. SLS then said he failed the modification because he did not return the correct modification paperwork. He said he never got them and could they resend them. SLS said they were sent to his XXXX XXXX . POst office had no record. SLS then emailed him the paperwork. But the paperwork they kept sending him in XXXX. XXXX and XXXX was not the modification documents but the letter stating he was approved for hamp tier 1 with the NPV values. He signed it and returned it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My house was foreclosed on after I moved out. The mortgage company was Ocwen Servicing. They have never recorded the deed and they have it on my credit as being behind AFTER it was foreclosed. I need to get this record corrected. I looked the property up online and that is where I got the date of XX/XX/2013 when the deed was transferred. I want proof of when the deed transferred back to the bank and no one is giving it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have paid my 6.25 % interest loan faithfully for 12 years. I finally paid my balance off enough to have 20 % equity therefore allowing me to refinance my loan. I attempted to get a payoff from Ocwen first in XXXX and then again through the lawyer who is handling the refi. He was unsuccessful for a time, but I eventually made it happen around XXXX XXXX. The payoff was sent to the lawyer. My principal balance was somewhere around XXXX on my XXXX statement. I was sure the payoff would be somewhere around XXXX. I received the closing statement XXXX XXXX before the scheduled closing on XXXX XXXX. The payoff Ocwen sent was XXXX. I have submitted a dispute. Ocwen says they need 10 days to research something that should pop up on a computer. 10 days is {$700.00}. Ocwen stalled giving me my payoff ( at least 3 weeks ). They gave an incorrect payoff and are now forcing me to make another {$3500.00} payment to them before I can refinance the loan. I am concerned I may never get a correct payoff. They do not want me to pay this loan off. I am super concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied more than 5 times over the years for a refinance. I 've Never gotten to speak to a person who XXXX. I 've been denied a lower interest rate from XXXX percent. I filed a complaint with the Indiana Atty. generals office and a representative from Ocwen denied I applied for a refinance. They placed me in foreclosure proceedings and chagred me a fortune for their atty. fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX a foreclosure complaint was filed against me. On XX/XX/XXXX, I filed a counterclaim against the Plaintiff. On XX/XX/XXXX, I submitted a request for a loan modification request to Ocwen, the current servicer for my loan. On XX/XX/XXXX, Ocwen acknowledged it received my request and on XX/XX/XXXX, Ocwen asked for some additional documents. There were a few more requests, and on XX/XX/XXXX I was approved for a modification. On XX/XX/XXXX, the lawyer for Ocwen sent me a letter discussing a settlement agreement would be drafted if I liked the modification. XXXX XXXX, Ocwen 's lawyer then told me that I had to dismiss my counterclaim with prejudice in order to get the modification. I then filed a motion to dismiss my counterclaim which was granted. However, Ocwen 's lawyer refused to dismiss the foreclosure complaint and said they were going to proceed with litigation and the case was continued to XX/XX/XXXX. On XX/XX/XXXX, I did receive my final signed loan modification, but the foreclosure complaint is still pending. I read in the CFPB settlement that a bank can not make me dismiss my counterclaim as a result of a modification. I had to go through underwriting, and I was eligible for a medication. I dismissed my counterclaim for fear I would lose the home my mother built.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
A request for a short sale was submitted prior to the seven days needed for to be reviewed before a trustee sale date. The short sale requests was rejected due to insufficient time, even though I have evidence it was in prior to the seven day that 's required. I also informed Ocwen there e-mails and faxes were getting kicked back,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is another complaint with the same problem that still is not resolved even though the bank said they had fixed it. TD bank has problems with posting my mortgage payments properly and has problems with keeping my insurance on file. Their representatives have problems with telling the truth and based off my experience a tendency to lie. The letter I had received as a response from my last complaint had XXXX XXXX 's contact information on there. She said to call in case this was not fixed. Well her number that she provided is not a working number and is disconnected.??? I was given a new escrow analysis from TD bank reflecting the corrections promised. Then told to take that to the bank since I was never given a bill. Then make a payment based off that. I did exactly as the bank instructed. Now I received a bill with a late fee attached to my mortgage. This was supposed to be taken care of as promised. It hasn't. I feel as though this is a form of prejudice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-16
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen has a Hamp that was submitted by a Housing Counselor since XX/XX/XXXX. Homeowner was approved for a Trial Mod and due to XXXX and XXXX She did not make her 1st payment but Funds were paid by the 3rd trial due date and returned to the Housing Retention Program. Since approved trial modification the homeowners income improved with XXXX and Contribution. The lender not only has not made a decision, they have just recently asked for a new packet for it being outdated, I submitted on XXXX/XXXX/XXXX. I have asked for status updates and they have asked for a XXXX page that included her Name, Phone number, Social and if her intention is to keep or sell the property, information they have had on file since a minimum of XX/XX/XXXX. The ongoing strain of the homeowner health and the thought that she may loose the home she has lived in since XX/XX/XXXX is causing a decline in her health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: CA
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:
Experian keeps lowering my FICO scores. I called Experian twice about unrecognized inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I also called these two companies and could not reach them. Experian promised yesterday to call back but I have not gotten a call. 

I also called months ago two times regarding the Bill Negotiator. They charged me without even telling me what they have done. They promised to call back to explain but never got a phone call back. 

Thanks! 
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 2016-12-07
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The home sold at foreclosure auction XXXX/XXXX/XXXX back to the bank. The homeowner applied for assistance before the foreclosure sale date and has not been reviewed for help prior to this submission. There is also no previous modification since XXXX applied to the loan. We spoke with representative XXXX ID XXXX on XXXX/XXXX/XXXX and he confirmed that the clients modification request was sent to underwriting on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Money was transferred from my checking account through XXXX with out my authorization and the bank says that we need proof that it wasnt me who authorized those XXXX transactions

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 2016-02-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I signed contracts on XXXX modified loans with OCWEN loan servicing. After months of paying my payment they said I was not paying the correct amount and my payments were more than what was stated in the contract. I tried to work this out with them for almost a year. I worked with there reseach dept and made call after call with always the same result. I was told the person I need to speak to is not here but would call me back of which never happened. I sent them copies of my contract and continued to pay my payment up until they stop excepting my payment. I recently lost XXXX of my homes and will soon lose the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Experian Information Solutions 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:
There are three accounts that do not belong to me on my credit report I have been disputing this with the bureaus for 2 years almost this is my last hope these accounts I have not approved or signed on. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2016-12-30
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
attempting to collect on a debt that is XXXX years old and is not reported on any of the XXXX credit reporting agencies reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is with Caliber Loan, I received a modification though Caliber. I was making my monthly mortgage payment by cashier check. But they still foreclosed on my home, of which they recently foreclosed XX/XX/2016 and I was making the monthly mortgage payments. I 'm still living in the property. I received correspondence from XXXX stating they were going to foreclose on my property. I was not given the appropriate XXXX notice that is required by XXXX law prior to the foreclosure sale. It is a misdemeanor not to give the appropriate notice prior to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 1st letter, and 2nd Letter on XX/XX/2021. I mailed a letter to XXXX, Experian, and XXXX and XXXX XXXX about the Bankruptcy that's reporting on my Consumer Report about the inaccurate and inconsistencies that's on my Consumer Report. I sent a Demand to Comply and that was my 2nd notice to the bureaus. Today is XX/XX/2021 so that's over 70 days. I don't understand why I haven't received any letters in reference to my Letter. This is unacceptable and against my consumer rights. Since this has been over 30 days and outside of the allowed time for a response and they never put a notice of Dispute on my Consumer Report this Bankruptcy must be removed because of 4 of the Bureaus are in Violation of my Consumer Rights. Please remove/delete this Bankruptcy from my Consumer Profile. It's time to hold these Bureaus responsible for their errors and violations to Consumer Profiles.

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