BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-02
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
TO WHOM IT MAY CONCERN : RE Loan Number : XXXXThis is a Notice of Error filed against Ocwen Loan Servicer for violation of CFPB Servicing Rules 1026.41 ( d ) ( 1 ), 1026.41 ( d ) ( 2 ), 1026.41 ( d ) ( 3 ). 

According to recent news reports Ocwen is broke and I believe that the company is trying to recoup monies from customers like me so they can pay the monthly advances on delinquent loans in their servicing portfolio. 

These blatant violations of federal rules are adversely affecting my mental and physical health. 

I am a retired senior citizen, living on a fixed income in XXXX and every penny counts. 

That is why Ocwen 's practice of repeatedly increasing the amount of monies they claim I owe is so disturbing. 
A quick recap : I signed a modification agreement in XX/XX/XXXX and agreed to pay monthly amount of {$1500.00}. This amount included escrow to pay my insurance and taxes. 

I paid the agreed amount on time every month. 

Unfortunately, Ocwen does not recognize the terms of our agreement and has changed my monthly payments XXXX or XXXX times since XX/XX/XXXX. Of course, the change is always an increase in payments - not a decrease. 

I filed a Notice of Error in XX/XX/XXXX, because Ocwen stopped sending me a periodic statement. 

Ocwen referred the complaint to their law firm XXXX XXXX, who responded with a package of information, none of which answered my complaint. 

However, Ocwen did begin sending me monthly statements in XX/XX/XXXX. Unfortunately, those statements are filled with errors. 

The errors were in the escrow category, and after repeated attempts to resolve the errors over the phone with Ocwen reps, I decided to pay my property taxes and insurance directly, instead of paying into escrow with Ocwen. 

In XX/XX/XXXX, I mailed a letter to Ocwen, stating that I am going to pay property taxes and insurance directly, and cancelled the escrow. Ocwen sent me a letter dated XX/XX/XXXX stating it had received my Notice of Error and was researching the issue. 

I never received an answer regarding escrow, but paid the {$1600.00} which included escrow in XX/XX/XXXX. 

In XX/XX/XXXX, I paid only the principal and interest in the amount of {$600.00}. I refuse to pay escrow to Ocwen because they are mismanaging the funds. It is my right to suspend payment of escrow upon notice given. I have noticed Ocwen of my decision. 

What do I want? 

I want to manage the payment of my taxes and insurance directly. I will no longer pay Ocwen escrow. 

I want Ocwen to correct the errors in my statement, apply my payments to principal and interest, and remove all fees. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2022-08-03
Company: Experian Information Solutions Inc.
State: OR
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 a security freeze on my Experian account. They changed the process so you have to create an online login to access your freeze account and place a temporary lift. It keeps saying that my information is incorrect and so I can't access my account. The options are to fully cancel my freeze ( which I don't want to do, just need a temporary lift ) via phone or to submit a form to cancel/lift the freeze. Neither option explains how it will reinstate my online access. I can't mail a form everytime I need to lift a freeze. 
All I want to know is how to verify my identity so I can get into my experian account online but there is no information available.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Patenaude & Felix A Professional Corporation
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested verification of debt from another collection company in XXXX. I answered a summons and pled not guilty, as they would not provide me with verification of the debt. My wages have now been garnished by another agency. I was not aware of another judgment attempt. I have contacted them, as of XXXX XXXX, for verification of debt and they told me that they had a legal garnishment and are not sure that they will be able to find the verification. They did tell me that it is XXXX XXXX, but that information did not have any meaning to me. They have not yet supplied any written documentation for verification. I believe that the debt is not only not mine, but also past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There was a fraud on my account notified all parties that i have done no inquiries at all and to remove these fraudulent claims from my report, after the reports were sent in they still have not removed these inquires

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 2017-04-27
Company: Advanced Collection Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I resided at  XXXX   XXXX  apartme nt (   XXXX   XXXX   XXXX   )  from  XXXX  to  XXXX . I moved out at the time that was lease was over and moved into a sister building owned and managed by the same company right around the corner. A year ago I pulled my credit report and realized there was a collection  from Advanced Collection Bureau Inc. I co ntacted the company and told them that I did n't know or understand why this account was reporting on my report. I informed them that I had an outstanding debt from the sister building owned by the same company and I handled that debt. She requested that I send that documentation over. I kept sending via email and fax. The lady stated she never received the documents that I sent. I began to get frustrated with the ordeal and took a break on trying to resolve it, as I realized that it was deleted from my report and added back on. A few months ago, I reached out to the company again as its the only item that I still had in collections that I could n't wrap my finger around. I spoke with  XXXX  and went through the same steps that I went through with the previous lady. He told me that 's great that you settled that but this is another debt that is yours and you need to pay. I explained to him that I do n't understand how this debt is mine if I were never contacted regarding this and I was living i n one of th eir buildings at the time it went into collections. He said he did n't know but I need to pay the debt. I asked him to validate that the debt was in fact mine. He sent me an itemized receipt that is barely readable with wrong contact information on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: DISCOVER BANK
State: MI
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:
I got at least 2 personal loans with Discover Personal Loans. I paid them off in record time. When I applied for a loan this time they kept making me submit more documents, Which I did when I called they said every thing was fine call back in a week. Then when I called back said they were unable verify credit application information. I have a Discover XXXX XXXX. This a case of sex, age and race discrimination. These people sent the loan application and when they found out who I was they canceled me out. I am a XXXX  for the State of Michigan and I see work on these type of cases all time this behavior needs to be exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Lending Club Corp
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
LENDING CLUB IS IN VIOLATION OF THE LAW OUTLINED BELOW : The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances.

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief. 

Lending Club offered a payment arrangement on XXXX. They had always offered a 15 day grace period, and I was very happy about that because I had received my first paycheck from my new job. I left the workforce pre-covid making $ XXXX/yr and re-entered on a Contract assignment the first week of XXXX making $ XXXX/yr. 

I made XXXX XXXX payment. A week after my new job started my elderly father caught Covid. So in XXXX, my entire world was upside down and any Bill that wasn't on autopay slipped through the cracks. I was totally overwhelmed. 

I called Lending Club and explained that it was an oversight due to my circumstances. 
My plea fell on deaf ears. They did not care, even after I immediately made the payment at the beginning of XXXX ( see attached ). Keep in mind that when I made XXXX XXXX payment in XXXX, the payment was not 30 days late. 

Then when I logged in to make XXXX XXXX payment on the XXXX, the account showed that I was approaching 60 days past due and that I owed {$780.00}! 

I was able to borrow the money from I relative because I did not want my credit ruined. 

I had no idea that they started reporting my account late in XX/XX/2020! 

Please make them follow the law and remove all 4 late payments from my credit report, I would also like to know how that {$780.00} was applied. I was on a Forbearance plan, and the law states that I wasn't supposed to incur penalties, late fees, or interest during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. 
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2017-08-14
Company: Experian Information Solutions Inc.
State: ND
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 am a victim of identity theft. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report that do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XX/XX/2017, XXXX XXXX, XXXX, XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017

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 2017-04-27
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several certified letters to  XXXX ,   XXXX   and Equifax demanding that this item be deleted.  XXXX  deleted the item and should have reported the results to  XXXX  as well as Equifax. All credit bureaus except for  XXXX  are still reporting this item on my consumer credit report.     Dates :  XXXX / XXXX /  XXXX    Amount  : {$520.00} Actions taken by me : Sent letters demanding that item is deleted from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Ditech Financial LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ditech Morg. company sent me my payment of {$1700.00} TAX CREDIT CHECK back in XX/XX/XXXX. I never received it. And they claimed that I received and cashed the heck that I never received. I did all of the research, and check with the bank that they said it was cashed at, bank of XXXX XXXX XXXX XXXX. They confirm that no check was never ever cashed there by me or that Amount. As per XXXX XXXX the bank manager. After checking the copy of the returned. There separate check, the one with my sign. was from the previous year check for {$1000.00}. that did receive a year ago.XX/XX/XXXX. I never received the XXXX check for {$1700.00}. Please see the attached police report, I contacted DLLR -Dept of Labor, Licensing and Regulation XXXX XXXX XXXX & XXXX XXXX XXXX Who told me to contact your office. SUDDLEY, DITECH HAVE CLOSE THE CASE AND DID NOT OPEN THE RESEARCH AT XXXX XXXX XX/XX/XXXX XXXX XXXX ACCORDING TO XXXX XXXX THE BANK MANGER. CLOSED UP THAT LOCATION AND TRANFER THE NAME ON MY ACCOUNT WITH OUT TELL ING DLLR. I STILL DO NOT HAVE MY CHECK

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: AES/PHEAA
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Would Fed-Loan retroactively bill me from XX/XX/XXXX to XX/XX/XXXX? Yes or No XXXX  did hot have a loan forgiveness program from XX/XX/XXXX to XX/XX/XXXX and I was never billed. ( See attachment. ) I was placed in deferment until the program could accept payments. 

Would Fed-Loan retroactively bill me from XX/XX/XXXX to XX/XX/XXXX? 

Thank you for your time and cooperation. 

Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For many years I have Citi Credit card and always paid the balance in full and in time. In XXXX of this year the payment due date was as always on the first day of the new month, i.e., XX/XX/2021. That date was on Sunday and since I paid my bills through bank transfers I could not pay the due amount on that date and it was paid the following day, i.e., on Monday XX/XX/2021. Yet I was charged late fee and interest charge in ridiculous amounts. I

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 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
We were applying for a home loan, had something on credit report that was n't ours, now that got taking care of, but in the process of dealing with all  XXXX  credit bureaus  XXXX ,  XXXX , Transunion we found out they all out sourced  ALL AMERICANS CREDIT INFO , to what we believe was  XXXX . I tried to get them to tell me what country I was calling and they refused to say! They also would not give me their name or even an employ number and when they found out we had them on record or speaker phone they refused to talk to us, now keep in mind that is the first thing you hear when calling them, " this phone call will be recorded for training purposes '' We want all credit info to stay in the United States of American. It ridiculous that Americans complete personal info is being shipped to a foreign country, for, who know who, to see and use and they are getting every bit of our personal info, Social Security numbers, phone numbers, name, addresses, jobs, jobs phone numbers, dependents and credit card numbers .We want to know why is something as important and personal as credit report is being treating in this way!

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 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I 'm very disturbed to receive a decline letter from your agent providing me insurance I did not ask for. In fact the agent was advised why I do not do business with you but they evidently went ahead and pulled credit anyway even while freeze on my credit report. At no time was permission given to pull my credit. In fact the credit reports are supposed to be secured from this type of activity because numerous errors are being corrected. You further complicate my credit worthiness with this inquiry.

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 2017-08-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In late XX/XX/XXXXI started having problems handling the mortgage payments. I am a widow of a XXXX and a XXXX year old XXXX senior citizen. I am retired and do not make a lot of money. Between Social Security, VA XXXX Benefits and Government Retirement I am getting a gross amount of {$3900.00} a month. My mortgage payment is {$2000.00} with Wells Fargo Bank. I also have medical bills, food, home up keep and maintenance, Insurance, and utilities. I applied for a loan modification and Wells Fargo has been giving me the run around ever since. They stopped taking my payments and did not notify me of any liquidation options to resolve this issue. The keep saying that they need bank statements that I have already provided them with on numerous occasion. They told me they were waiting on me to send them a statement on why I did not finish the loan modification process and they even sent my case to a new employee to start the entire process over again. Lately the excuse is that my case is with the underwriters and they are waiting to hear back from them but the auction to sell the home is still on. I believe they have been running out time while trying to remove the house from the bankruptcy I filed in XXXX. I have no where else to go. I have had several people contact me from out of state claiming they could help litigate my case in court for a fee. My son told me that is a scam and stopped them before I signed anything and gave them any money. The auction is set for XX/XX/XXXX. Please help asap! Thank you

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