BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-12
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother died in XX/XX/2011. She had two mortgages with Ocwen loan servicing. The interest rate is outrageous, 12.5%. I have tried to refinance the mortgages but I can not because I was told it is under an Estate name. I paid off one mortgage. Sent in all documentation, the will, and the estate paperwork. I have sent in the paperwork every time I try to speak with this company about payment, refinance, everything, and each time they pretend like I don't have authorization. I had authorization when they wanted proof of insurance. I had authorization when they want their money. 

The company has since had a name change to PHH mortgage and they are no better. They are practicing the same underhanded mess as Ocwen. Please help me get rid of these people. If you can not get rid of them, please help me make them play fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
For the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

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 2022-05-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citzens-alert : We have temporariIy restrictd your XXXX due to unusuaI XXXX XXXX XXXX to confirm your details. 

I don't have a citizens card. So I wouldn't be able to have it restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: OH
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 request that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have update my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.

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 2016-10-27
Company: USI Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XXXX, USI Solutions XXXX XXXX XXXX XXXX ) contacted me regarding an alleged year XXXX {$540.00} XXXX debt. 

I advised a person identifying herself as XXXX XXXX and XXXX XXXX her supervisor -- in conversations minutes apart ( XXXX XXXX XXXX that I 'm aware of no such debt and they refused to provide a written statement. Instead, both XXXX and XXXX pressed me to pay the unknown debt. They stated they would report the debt as a refusal to pay to credit bureaus. I am aghast at their strong arm tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I placed a fraud alert on my credit file with Transunion as I was the victim of IDENTITY THEFT yet after getting several calls from various auto dealers and lenders I requested a copy of my credit report only to find that over 10 companies accessed my credit report without permission. I specifically placed a fraud alert on my account to prevent this very thing from happening. Below are all the unauthorized inquiries on my credit report : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX   Service DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX via XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX ( OLDER THAN 2 YEARS )

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 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting me as 60 days past due on the XXXX XXXX partial account numbers XXXX and XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2020-06-10
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had an overpayment from XXXX with the Florida XXXX  XXXX XXXX XXXX, that was discharged in my Chapter XXXX Bankruptcy XXXX. I provided XXXX and their benefit payment unit a copy of my bankruptcy. I currently have an active, and payable unemployment claim. However, the XXXX contracted collection agency, United Collection Bureau, is garnishing 100 % of my state benefits to recoup my overpayment with them that was included in my chapter XXXX bankruptcy. I sent copies to XXXX, and United Collection Agency to  cease all garnishments of my state benefits to no avail. This is a direct violation of federal law namely section 524 of Title 11 of the United States Code, otherwise known as a bankruptcy discharge violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to both XXXX XXXX and credit report agencies regarding a late payment that is showing on my credit reports. This is inaccurate and needs to be updated/deleted immediately. XXXX XXXX, Experian, XXXX, and XXXX all sent back computer-generated letters saying they found it to be " accurate ''. I then requested a method of verification -- No Response! It has been well over 30 Days.

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 2016-08-24
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I understand that the CFPB has increased their focus on student loans, so I am hoping that you will be able to help me with an issue that I was unable to resolve after months of trying with my student loan servicer. I would like to start off by saying that I am a supervisor at a mortgage servicing corporation, and I know that if we made the error that my student loan servicer did, we would not only be able to fix it, but would likely have some regulatory implications as well. 
My student loan payments increased XXXX % without notification, and when I called to find out why, I was told that my student loan servicer ( Nelnet ) miscalculated my payment last year when my repayment began. They calculated my payments based on a 30 year term, when I actually have a 20 year term. This caused my payments to be lower than they should have been, therefore my principal is much higher than it should be, and therefore I am paying more towards interest. I have requested that Nelnet reverse my payments back the 17 months that I have paid so far, and apply them at the amount that they should have from the beginning. Had the correct term been used, my payments would have been slightly higher. I have offered to send in money so my account will not be past due after the corrections. After several hours on the phone with Nelnet, they flat out refuse to do this ( one rep even said it was against their morals ), and blamed it on the Department of Education guidelines. I am not asking for them to give me a payout in any way, I just want my payments applied at the amount that they should have been from the beginning. At this rate, I will end up paying roughly {$2300.00} more in interest due to their miscalculation that they refuse to fix. I am sure that Nelnet has done this to their other borrowers, but they might not have caught the mistake. At this point, I do n't know what I can do to not be penalized for their error. I can make a lump sum principal payment right now to get my principal to where it should be, but that wo n't fix the erroneous interest that has accumulated since my loan originated. Is this something you can help me with? I have documented my most recent calls to them, and have had other issues with their loan servicing - this is just the only one that is costing me money. 
It is unreasonable for Nelnet to expect their borrowers to calculate their own loan payments to ensure that they got something as simple as a loan term correct. This is undue borrower impact, and has impacted me in a significant financial way. I did escalate to their consumer ombudsman, who took weeks to respond and did not follow up when he promised to follow up. At the end of the day, the request was denied and Nelnet said there was nothing they could do to correct their error. This is an unfair servicing practice that impacted me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
Twice I have submitted my police report identifying a fraudulent account from XXXX XXXX to Experian reporting in error on my credit report. The account number and fraudulent account details were included both times in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be blocked pursuant to the Fair Credit Reporting Act, Section 605B. Each time Experian has processed disputes and " verified '' my name and social security number that have been breached and each time Experian has ignored my police report and the crime of identity theft documented in the police report. Experian refuses to honor my police report and refuses to comply with federal law pertaining to victims of identity theft. Experian 's policy has directly and repeatedly violated the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-08-16
Company: Asset Recovery Solutions, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A lady by the name of XXXX XXXX from Asset Recovery called my work and demanded to talk to me about some issues I was having and told our nurse that I knew who she was so to just transfer her to me. My nurse checked with me and I told her I did n't know who she was. A male also called from this same number two weeks ago and pretended to be my patient and needed to speak to me. He of course was n't in our patient database. He did n't say who who was calling with but the number is the same for XXXX people.

Company response to consumer: Closed
Consumer complaint received 2017-03-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
My previous complaint ( # XXXX ) had been closed - without benefit from CFPB 's scrutiny of OCWEN 's response. I have attached OCWEN 's response here which sets a deadline to accept or reject the loan offer within 14 days ( ends in XXXX XXXX, 2017 ). 

Contrary to CFPB 's concluding statement, the dismissed lawsuit I filed against OCWEN ( with XXXX Bank, XXXX, et al. ) did not include complaints about the systemic misconduct on " robo-signing '', which the CFPB and the Courts of California found OCWEN to have wrongfully engaged in and for which reasons, they have been penalized for. 

I am writing to inform that OCWEN, continue to defy the law and CFPB compliance requirement - OCWEN had fabricated " robo-signed '' documents and used such forgeries to enforce their illegitimate claim on my property. 

Here they have tampered /blacked out the loan numbers, added documents purporting to assign valid transfers of the note and mortgage. 

CFPB should hold lawyers from XXXX liable for aiding and abetting the fraud. They are at the heart of many wrongful foreclosures in California. 

I can not accept these documents for what they represent. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was approved for a loan modification to a HELOC reset. I was having trouble affording the payment. After signing the agreement a few years later the loan was sold. 
I had a new servicer, SLS, who changed the loan term. They are now charging me a {$30.00} late charge for payments I made the same time as with the previous servicer. 

They accelerated the grace period about a week. That posed a problem for me.. That was the reason for the modification because my source of funds are direct deposited into my bank the latter part of the month. I can only make payment after the funds are in my account. The modification did not specify when late charge would be assessed or amount. The previous lender said late charges may be assessed after 15 days, more like a mortgage See loan statements. This continued throughout the loan with the previous servicer. 

The current servicer, Specialized Loan, responded to my complaint # XXXX with copy of pages from the modification agreement leaving out the disclosures pages that were part of the agreement. They were silent as to late charge and amount. 
The original lender said 'once the modification was is in effect it could never revert back to the original terms '! 
Each loan statement where I made payment on the XXXX of the month NO late charge was assessed and said ... 
Your Home Equity Account has been modified under a Modification Program. This statement reflects the changes made to your account. See attachments The only payment made after the XXXX was XX/XX/2020 in the middle of the pandemic as I was waiting on my stimulus check. I call Specialized to let them know, payment went out next day after received. 


XX/XX/2020 ACH Transaction - XXXX XXXX XXXX XXXX XXXX ACH Credit {$1200.00} {$1200.00}

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 2016-06-23
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen has serviced my mortgage for the past several years, succeeding GMAC when GMAC sold its assets in bankruptcy. In the past few years I have received several communications from Ocwen that appear to be attempts, surreptitiously or by threat, to extract money from mortgage-holders beyond the amount payable to remain current on your mortgage or escrow. These include : 1. Sending notice that Ocwen is increasing the customer 's monthly escrow payment ( and correspondingly the mortgage payment XXXX to purchase property-casualty insurance to insure the property securing the mortgage, despite the property-owner already carrying the necessary coverage. When confronted with this fact, Ocwen representatives claim that they have no record of the existing insurance, despite receiving documentation from the customer and the customer 's insurance provider. I receive essentially the same letter every XXXX for several years, despite carrying the same policy from the same insurer from the date I purchased my home. 
2. On XXXX XXXX, 2016, I received a monthly statement from Ocwen stating the amount payable on the mortgage XXXX XXXX, 2016. I paid that amount during the requisite payment period ( prior to XXXX XXXX ). I have since received numerous calls from Ocwen " attempting to collect a debt '' stating that the amount of my monthly mortgage has changed and the amount stated on the XXXX statement was incorrect by {$72.00}. I have not received, nor can Ocwen identify sending, a statement with the different, larger amount stated on it. Nonetheless, I have received almost daily calls attempting to collect this amount. I have notified Ocwen representatives several times that I have never received, nor, as they acknowledge, has Ocwen sent, a written notice or statement identifying the higher amount. This would appear to be both fraud, and an unlawful attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was offered and accepted a Shared Appreciation Modification from Ocwen. The modification documents they provided me to sign, stated my interest bearing principal balance would be equal to the current value of my property at the time of the modification. At the time of the modification my property was valued at approximately {$700000.00}. The modification documents stated the value of my property was {$840000.00}. When I confronted XXXX XXXX XXXX, my single point of contact at Ocwen he told me that Ocwen was offering me the modification as typed and would not make any correction related to the value. He told me if I wanted the modification I would have to accept it as is by the due date. I have honored the letter and the spirit of the agreement but Ocwen has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Revenue Recovery Corporation
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I originally was contacted via phone by a payday loan office calling for an XXXX? I figured they would get the hint when they called my voice mail the message says XXXX, NOT XXXX, that they would figure out they have a wrong number. Now I have a collection agency calling me at least once a month. I never went to or took out any loans with any payday or quick cash establishments. XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed