BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have filed several complaints about Ocwen Financial Services for force placed insurance for over 3 years. We went ahead and paid the amount for the force placed insurance when they started sending us late payments and foreclosure notices while fighting the charges. They finally reimbursed us the amount we paid for the force placed insurance and removed the escrow balance. However, they still have not restored our mortgage payment to the scheduled amount. They are charging us extra fees in the amount of {$13.00} for late fees/other charges when we have not been late ( see attached ). 
Additionally, they reported to the credit bureau that we were late XX/XX/XXXX, XXXX and XX/XX/XXXX when they assured us that while the account is in dispute, they will not be assessing any late fees or report any late payments to the credit bureau. We sent them the attached email to request that they remove the late payments on our records but they have not replied. 
We would like Ocwen to restore our mortgage to its scheduled amount and remove any other fees that do not apply. Most importantly, we would like them to remove the late payments that they reported to the credit bureau as the account was in dispute during the time they reported these late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX/ Navient. We paid off the final balance of our bill on XXXX XXXX, 2017 ( almost {$10000.00} ). Almost a month later ( on XXXX XXXX ), they " pulled '' another monthly payment for {$220.00} from my bank account. I called and asked for a refund, they said they 'd send it within " 30 days of the last payment '' ( which THEY created and pulled ). There is no option on their website to STOP their pull payments. The representative on the phone lied and said it was a push payment from our bank -- which is completely and veritably false. I suspect they are doing this to all of their clients and making money off the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received a very tricky and dishonest offer in the mail from Bank of America. It offers 0 % interest until 2016 but after really looking into this offer it is trying to trick people who pay off their balances each month ( like me ), because it makes all new purchases subject to interest charges. It is so bad that Bank of America is going this route .... I have been a card holder for years and have a fico score of XXXX, and if i almost got tricked, I ca n't imagine what it would do the the average consumer. This should be illegal and Bank of America should get in trouble for this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to express my sincere disappoint in Ocwen handling my complaints thus far.. As of XXXX XXXX, XXXX, All of my other requests have been unanswered which is a violation $ XXXX of TILA ; XXXX C.F.R XXXX ( c ) ( XXXX ) ; XXXX ( f ) ( XXXX ) of XXXX I received a letter on XXXX XXXX, XXXX that the loan was not eligible for cancellation of the Escrow account because it 's currently showing a negative balance. You 'll did not even perform an Escrow analysis. Prior to your response, I 've included all invoices showing that the amount which was paid to the XXXX XXXX was not the amount that was escrowed yearly since servicing the loan. Please also note that upon further investigation, XXXX XXXX XXXX Chapter XXXX Bankruptcy proof of claims reflects that no XXXX taxes were paid to/from Ocwen Loan Servicing or XXXX XXXX from XXXX XXXX XXXX. It was the Debt was expunged through Bankruptcy. All money that I paid, should be refunded. 
In a Affidavit, XXXX XXXX XXXX states in the Bankruptcy proceeding that request immediate abandonment and destruction of certain loan files because they do not hold any interest in mortgage loans. " The loan files have no value to the Trust and not needed to proceeding in the Bankruptcy case. The motion which was Granted and in that order the Judge placed a value of XXXX cent on the dollar for each loan Ocwen Serviced. Ocwen Loan Servicing , LLC Claims was EXPUNGED through the Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I live in XXXX, Oregon where property values/home prices have been climbing for the past few years. I bought my home just a little over two years ago. I have made on time complete payments on my mortgage. I asked that my PMI be removed. First my bank claimed that my home was worth XXXX less than I could probably make if I sold it/and XXXX less than the county assessed it for tax purposes and I disputed that. Now they are claiming I need to have have XXXX % equity -- even with the low value they placed on my home, I currently have XXXX % equity.

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 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I took out XXXX student loans from ( then ) XXXX XXXX, later turning into Navient. The XXXX loans totaled XXXX dollars for a computer school that did not provide the education that was advertised. I was unable to pay loan payments and was put into a forebearence program and my loan is now over XXXX dollars. I have recently gotten into a payment program but this program only lasts a few more months. Almost double the amount I owe seems outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Revenue Recovery Corporation
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The collection agency agreed to remove the collections back on XX/XX/2015. Now they have reinserted the same accounts a year later without notifying me within 5 days, according to FCRA standards. Instead of removing the accounts, I 'm continuously getting hassled to pay bills that I did not authorize. My Mother, made financial decisions with my account while I was on life support and I could not fend for myself. 

I disputed those charges a year ago and all 14 accounts were removed. Now they have appeared back and Revenue Recovery Corporation says that they were never removed. I 've submitted proof of the removal and they are ignoring the evidence.

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 2021-03-16
Company: Experian Information Solutions Inc.
State: MO
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 an account with XXXX XXXX XXXX XXXX XXXX account number ending with XXXX ). 

This had been a reposession that was redeemed. This account has a current pay history since redemption ( I have attached a pay history from XXXX XXXX ). 

XXXX  XXXX is reporting the correct status of " current '' because it is updated on at least XXXX of my other bureaus. But this bureau still has the account listed with a present status of " repossession '' without my current pay history. 

I have disputed this with this bureau and they have left the status the same. This is a violation of my federal rights under the FCRA.

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 2021-03-16
Company: Lendmark Financial Services
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:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account NameXXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXX -- Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityJoint with XXXX XXXX Date OpenedXXXX StatusPaid, Closed. {$60.00} written off. 
Status UpdatedMar XXXX -- Account XXXX XXXX XXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX -- -- Account XXXX XXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusPaid, Closed. 
Status UpdatedApr XXXX -- Account XXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX5 StatusPaid, Closed. 
Status UpdatedNov XXXX -- Account XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$500.00} written off. {$500.00} past due as of XX/XX/XXXX. 
Status UpdatedJul XXXX -- -- Account NameXXXX XXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusTransferred, closed. {$800.00} written off. 
Status UpdatedXXXX XXXX -- - Account NameXXXX XXXX XXXX XXXX XXXX Account XXXX Account TypeXXXX XXXX XXXXIndividual Date OpenedXXXX  StatusOpen. {$4500.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX -- Account XXXX, XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXXXXXX StatusCollection account. 
Status UpdatedXXXX XXXXXXXX -- - Account NameXXXX XXXX  Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$950.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX -- Account NameXXXX XXXXXXXX Account XXXX Account TypeCell Phone ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1400.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX ******please remove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX GROVES, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ******please remove all inaccuracies above and incorrect data above not mine, FCRA violation

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 2017-01-09
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Citi Bank has denied me access to my checking account where over {$1500.00} is fudned. 

1. Can not bill pay 2. Can not transfer money in or out 3. Can not view charges or transactions or statements. 

Unethical and unprofessional conduct of Citi Bank continues. 

4. Bills will be LATE payment due to lack of access to funds Can not CALL and can not login online. 

Citi Bank is RUTHLESS!! 

DEMAND - APOLOGY and

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a checking account # XXXX and credit card with Bank of America which they decided to close w/o letting me know until my cc was declined. When calling them to ask why my charge was declined, they claimed the cc account was closed and failed to let me know that they were closing my checking account also. I received a letter in the mail that the account will be restricted in 21 days and closed in 30 days but when trying to make a payment prior to the 21 days the payment bounced and I incurred a {$25.00} bounce fee for a closed account. 
When trying to reach the number on the letter it goes right to voicemail XXXX and says leave a message and they 'll get back to me in 24 hrs, being its Friday and I have bills to pay I decided to go to a local branch to have this resolved and they told me they cant do anything for me that they had to follow procedures set by this department that no one can get a hold of not even their own reps. 
So Bank of America is holding my money for no reason and no one is able to release the funds me so I can make payments that have to be made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Consumer States Recovery in XXXX Ks. send a letter I receive on XXXX XXXX regarding a debt they said I owed to XXXX XXXX XXXX XXXX Ks. of {$100.00}. Prior to this date I never received any billing from XXXX XXXX so I was surprised and angry as my credit rating is perfect. I called the agency and they failed to return the call. On XXXX XXXX I received a refund of {$22.00} from XXXX XXXX-the same company requesting the debt collectors to pursue?. I called XXXX XXXX and the check was an over pay so they refunded it. I was even more confused as they refunded money I didnt pay and sent collection on a debt I never owed. 
I spoke with billing at XXXX and they have no record of sending a bill collection request to the Central States Recovery. 
I called the CSR and they said they would put my case on hold. I told them XXXX XXXX has no record so I would like your record of this debt request. 
On XXXX XXXX I called CSR again and asked to either they send me a letter proving XXXX XXXX sent the request of debt collection against me or they send me a letter reflecting it was a mistake and remove it from my credit record. They said they will call me back. I said thats fine but I still want it in writing. 
XXXX XXXX no letter from CSR has been received and so I confirmed again with XXXX XXXX they did not send CSR a collection request. 
I have the billing info from XXXX XXXX, the csr letter and the refund check from XXXX. I would like CSR to be investigated as I have never not paid a bill and have a good credit rating.

Company response to consumer: Closed
Consumer complaint received 2016-02-12
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am filing a complaint against Ocwen Loan Sevicing. LLC.I am in the process of filing a " Deed in Lieu '' on the property, XXXX XXXX XXXX XXXX XXXX, WA XXXX.Ocwen is stalling on this process. They do not have title to the property so they ca n't release the property as a short sale or a deed in lieu. Lien title holder is XXXX XXXX. XXXX is under fraud investigation.Ocwen sold the XXXX lien to XXXX XXXX. They are selling something they do n't own. Ocwen has defrauded me of all payments made. Ocwen is not entitled to receive payments as they are not on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Approximately a year to 18 months ago I made a purchase from XXXX and opened a store charge card through Synchrony Bank to finance it . Unfortunately, the product was defective on delivery. One section was manufactured in the wrong fabric color and there were two specific mechanical defects. The merchant was recalcitrant about addressing the situation so I eventually opened a dispute on the payment balance. Extremely gradually over the past year they have reluctantly and slowly addressed these three defects until, finally, today delivering the replacement section in the correct fabric as purchased. 

Unfortunately, 4 times over the past year Synchrony Bank has inappropriately " resolved the dispute in the merchant 's favor '' without any communication to or with me whatsoever. Each time the defects remained unresolved but each time they closed the dispute without any investigation checks with me. The most recent time was 4 weeks ago and after extensive conversations they *promised* me this would not happen again. Of course it did. Again I received nothing from them though I always receive their e-mails seeking payment so we know they can reach me. This time they marked the account delinquent and assessed a late fee. 

They have refused to acknowledge or address their repeated mishandling of this situation and inappropriate adverse actions against me for their failure to communicate with me about whether the dispute could be closed or to notify me they were doing so. They have agreed to remove the late fee but they are refusing to take any steps to remove the adverse notation of delinquency with the credit bureau and they are refusing to account for how they continued to prematurely close the dispute before the deficiencies were resolved. As this has now happened on 4 separate occasions even after the most recent time when they *promised* it would not happen again I am left with no recourse but to file this complaint against them.

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 monetary relief
Consumer complaint received 2016-06-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Back in XXXX 2009, I took out a personal loan with XXXX ( now OneMain Financial ). The term was for 84 months, and while I knew the interest was high ( 29.49 % is insane ), I assumed that the payment schedule that I was given would work to a XXXX balance at the end of the 84 months, at least that was how it was explained to me when I signed the papers. The initial amount was for {$7700.00}, and at the completion of the term, OneMain expects the remaining balance of XXXX, now. XXXX on time payments, with XXXX deferments, of monthly payments of XXXX, I have paid a total of {$16000.00} dollars towards my account, more than double the initial loan. OneMain is predatory and outright extortion. There were several months where as little as {$2.00} or less were applied to the principal. I had no idea that in order to actually pay my loan off I needed to put down triple my monthly payment!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23
Company: Mid-Atlantic Consumer Services
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
This company has called me over 20 times leaving messages that my social security is linked to an account and all my employers will be notified and will collect from them. I filed bankruptcy 2 years ago. The women stated my old account and I told her it was wrong. immediately she snapped back and said " what 's wrong ''. I asked the year of the account and she was rude and interrupting me. and said well I have your social security number so good luck to you. I called back to speak to a manager and the same women immediately picked up and said " you ai n't wasting anybody 's time ''. I called back from a different number to get a manager and a male picked up. I tried to probe for information so I asked for a mailing address to make a payment. He asked for my phone number, I told him that my phone number was n't linked to that account. he then asked for my SS and I told him I 'd rather not give it over the phone. I asked him to search me by name. he found my " account '' and I asked him what year it was from. All of the sudden the phone and the systems were down. I told him that I filed for bankruptcy and that they needed to stop calling. He said " you were lying then! '' you know what bye.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Saturday, XX/XX/2016 Cash1 called me and did not leave a message at XXXX from phone # XXXX. They did not leave a message. They called me again on XX/XX/2016 at XXXX from XXXX and I told them I had left my brother 's funeral and that it was not the right time to talk. They then called me again on XX/XX/2016 at XXXX from XXXX. I am not sure why they keep calling asking for a payment, especially when the cash1 collections dept, took two payments on XX/XX/2016. I have asked them to stop calling all day and they insist on calling me mutiple times a day, from the XXXX phone numbers mentioned aboved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
TransUnion are liars, XXXX gave me a letter that they sent TransUnion weeks ago and was told to delete this 30 day late payment, They need to be investigated and fined and exposed

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