BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are with this mortgage company name OCWEN. We are trying to modify a loan but the company keeps asking for documents that we have already submitted numerous times. The company claims that they are not receiving the documentation. It has been seven months to try to get this modification completed. During this seven month period the company stop excepting our mortgage payments and received mail that they are starting foreclosure. On their documents it states that while we are in the process of modification that there would not be a foreclosure filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a very difficult time with Mr Cooper. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Mr Cooper always seemed to lose my paperwork, which I constantly had to re-fax. I am a XXXX US Veteran and can afford my mortgage. I need a modification to place the past due payments back into my loan and save me from a foreclosure. If the payment stays the same or goes up a little bit is ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: GA
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, XXXX XXXX XXXX, fully authorize this investigation. Last week I thought I saw an unauthorized account on my credit report which would be XXXX XXXX and a collection. Please forgive me I mistakenly thought it was unauthorized but I fully have verified that the account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
During XXXX of this year I reviewed a copy of my credit report and noticed several fraudulent accounts reporting that were related directly to identity theft. I immediately reached out to my local authorities who advised I needed to submit an identity theft report to the credit bureaus. During this week of XXXX, I reached out to XXXX, XXXX, and Transunion to notify them of the situation via phone direct mail of the fraudulent accounts that were displaying on my credit file. Since, it has been over 30 days and yet have not received any correspondence from XXXX  in regards to my complaint. In addition with my identity theft report that was sent, I was sure to include a copy of my drivers license, social security card, and a utility bill in my name. I also included a list of the fraudulent addresses ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) as well as the accounts 1.  XXXX XXXX # XXXX, 2. XXXX XXXX # XXXX, 3.XXXX XXXX XXXX # XXXX, 4. XXXX XXXX  # XXXX, 5. XXXX XXXX # XXXX. Under the Fair Credit Reporting Act Transunion has not provided on accurate verification whatsoever. In fact Transunion has not even responding to my dispute therefore must remove the following fraudulent accounts with it being over 30 days as per the Fair Credit Reporting Act. In addition Transunion has Failed to block the fraudulent accounts as per section 605b. My consumer rights have and continue to be violated per sections 609 & 611 with Transunion not being able to provide any sufficient documentation obligating me to these accounts.

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 2015-11-17
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I purchased a home in XXXX XXXX, Florida the note was in my name and mother placed on the title to show ownership via her present XXXX. My lender was IndytMac to IndyMac XXXX, to XXXX to XXXX additional names. I was notify in XX/XX/XXXX that I was illegally placed in foreclosure. I attempted on XXXX occasions to modify my loan with XXXX acceptance stating document would be XXXX to me then a cancellation stating I did n't qualify for a modification program but completed a six month payment plan. I have payment history of making all my mortgage payments. communicated with my several lenders. All said and done hired a lawyer I filed bankruptcy, it was discharged via mother interest on the title and courts records shows shes not on the mortgage and to this day has XXXX Credit. This stop to auction sale briefly. Now just two weeks ago .another foreclosure went before the court but this time the lender request and era on their part and requested from the court to stop sale and the judge denied request and property was auction off. An appeal was filed to stop transfer of title. Please help I do n't know what else to do other than file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Incident of Identity Theft Received Collection Letter from MRS dated XX/XX/2021 via USPS. Letter cites an unpaid account with XXXX XXXX. I do not have a cell phone contract with XXXX I am an XXXX XXXX XXXX cell phone customer. Called MRS on XXXX and XXXX XXXX to resolve fraudulent collection and was told to contact XXXX which i did on XXXX XXXX. XXXX stated account was with MRS for collection. Attempts for to correct identity theft associated with the fraudulent action have been unsuccessful. MRS letter is attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The Bureaus XXXX company is attempting to collect on a debt that has been discharged in bankruptcy. I spoke with an individual in this company on XX/XX/XXXX and he agreed that the card was discharged in bankruptcy and that he was sending the information over to another department and I would hear back.

After not hearing back by XX/XX/XXXX, I called again and left a voicemail. No response. 

Currently I am attempting to move closer to a specialized XXXX hospital, this collection account that should not be here, is impacting my ability to find housing, forcing me to drive 3 hours each way to the hospital for treatment. 

Even the original creditor has this marked as discharged in bankruptcy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX on XXXX/XXXX/XXXX, I received a notice from my mortgage company Ocwen Loan Servicing , LLC denying my request for a loan modification. Non-Approval Reason was. 1. They states they were unable to offer a Home Affordable Modification because : My loan on the related property has received the maximum number of modification permitted under the Home Affordable Modification Program ( HAMP ). You are only allowed XXXX HAMP modification on " your '' PRIMARY RESIDENCE. Please note, not all eligibility factor is evaluated. 2. We are unable to offer you a Mod 24 modification because : We are unable to verify that you live in the property as your primary residence.Please note, not all eligibility factor is evaluated. 3. We are unable to offer you a XXXX Capitalization and Extension modification because : This program is only for temporary or resolved hardships but we have determined that your financial hardship is not temporary one or has not been resolved.Please note, not all eligibility factor is evaluated 4. We are unable to offer you a propriety modification because : Your mortgage loan is secured by a property that does not serve as your primary residence and is less than 60 days delinquent.Please note, not all eligibility factor is evaluated. 
On XXXX/XXXX/XXXX, I filed an Appeal For Denial of Loan. Informing OCWEN that I have not had a HAMP loan ( I started the process XX/XX/XXXX and was laid off XXXX/XXXX/XXXX ) which made me ineligible for the HAMP. I provided OCWEN with my drivers license, utility bill along with my property taxes to prove it was my primary ( only ) resident. I also made the aware that I was receiving assistance from the Florida Hardest Hit Program because of me being laid off. 
I had not heard from OCWEN by XXXX/XXXX/XXXX. I placed a call and was told to Appeal For Denial to the research department. On XXXX/XXXX/XXXX, I received the same letter stating that I had been denied ( note letter had the date of the first denial with the top page with XXXX/XXXX/XXXX on it ). 
I have been told that if my loan is a XXXX or XXXX XXXX, that the loan holder is to assist with helping the consumer retain their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: First Associates Loan Servicing LLC
State: OH
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:
This is my 2nd complaint to be filed by me for the Peaks Loan. My first was for the fact that I did n't know who the heck they were or what they were since I signed an agreement with XXXX XXXX to service my temporary school credit. After establishing that peaks was the new servicer and paying 3 years of {$220.00} payments my balance never went down. I have tried to secure a means of refinance but due to Peaks over zealous reporting habits, my credit score took a huge hit. I was no longer able to refinance the loan and could not get anyone to loan me the {$9000.00} dollars they said I still owed after 4 years. My famly has since fallen apart and have been going through a really tough divorce that has lasted a year now. During that time I was no longer able to pay on the loan due to high childsupport payments and attorney 's fees. The company was contacted and told the situation but was not willing to help. A few months later during their investigation period with the SEC, they contacted me and tried to inform me about refinance options which were even at a higher rate eventually than the existing rate. I declined and asked for forbearance and in the past that was usually handled over the phone, well this time I was told that I would receive an email with the form to apply for forbearance, that I would have to fill out on my own. That email never came and now I get a letter from them in XXXX XXXX that my Peaks Loan is now in Default. Outraged, I have chosen to not return the single call, from the company, to me since that letter. My credit report shows that the Peaks loan was started XX/XX/XXXX. I had never heard of Peaks until after graduation in XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2021-03-20
Company: Nelnet, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An affidavit of truth was sent to GREAT LAKES and received by them on XX/XX/21 along with a invoice for the amount due for laws violated. A letter was then sent back to me stating that they would respond in 30 days as this is not a proper response for an affidavit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax of all the credit reporting agencies is wildly inconsistent and unresponsive. Both XXXX and XXXX reflect most closely my XXXX, and payment history. I have attempted to correct it with Equifax with no success and I am not alone. My wife has also experience identical issues. Both our credit scores fell over XXXX points! This came about after we refinanced a vehicle ( with a perfect pay history ) and they had not removed the old loan. Equifax also is reporting inaccurate open credit, and credit I have not signed for. 
Add to this, multiple emails to review my disputes and the site tells me there are NONE. 
There is a clear liability when XXXX credit reporting agency does not reflect reality and is disruptive to my credit profile and ability to borrow or get decent ratesXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage was bought out by Ocwen in XXXX it has been nothing but trouble, from over drafting our account by taken out XXXX bi weekly payments within 7 days to us receiving XXXX XXXXXXXXXXXX each for returned checks and payments from credit cards, vehicle payments as well as utilities. When I lost my job in XXXX we wanted to apply for a loan modification which of course they recommended as well as visiting XXXX of their credit counselors which we did. Our rate was XXXX at the time and morg was XXXX at time, now almost 4 years later at XXXX XXXX for our morg. and that in a loan mod. Not only did our rate stay same our morg went up about XXXX. We STILL owe 30 years on our home that we purchased in XXXX Hmmm you do that math. Now they are stating that im XXXX behind in morg and they are requesting that money by XXXX XXXX XXXX or they will foreclose on our home. I have documents and bank statements showing all payments made since our loan mod.. I have contacted a XXXX Team which our helping us get a true loan mod at correct rate XXXX ( well i hope ) which is costing me XXXX. There is no way at this point that we can get away from Ocwen due to them reporting to credit companies. Im at a lost with this company. They will get you out of home pay a hefty fine back to you, but then turn around sell your home and do the same to next owners ( or should i say renters ) I wish there was something we could do to keep our home that we worked so hard to get. They tacked so many fees on end of our morg Im not even sure if that is legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi. I would like to lodge a complaint against Coinbase Global Inc. 
Coinbase is a Cryptocurrency exchange and is a publicly listed business. I opened an account and started investing with Coinbase since XX/XX/2021. 
I had invested XXXX XXXX, worth more than {$20000.00} until XX/XX/2021. On that day my account was hacked and all my cryptocurrency amount transacted out of my account through XXXX transactions within a few minutes. 
While my account was hacked, I claim that Coinbase was the main contributor to this event as the hacking started after I responded to an email from their Customer Service. 
The email from Customer Service had been sent to me XXXX days prior to the hacking event ( XX/XX/2021 ) in response to a problem in my account that I had raised with them earlier. 
I trusted that Coinbase Customer Service email was legitimate as it had clear reference to my previous history and my complaint, so there was no reason for me to believe that it was fake. All I know is that once I clicked on the link provided in the Customer Service email my account was accessed and unauthorised transactions started. 
I was devastated and raised a complaint with Coinbase and received a complete rejection of my compliant and any responsibility for my account theft that was triggered through their own email. 
I understand that a lot of scams happens to people through scam emails but I believe the way my account was hacked is clearly a fault within the Coinbase customer service system. 
There is no ability to escalate the matter in Coinbase organisation, no phone response or direct email and I am really hopeful that you could help me getting my money recovered. 
I have also filed this matter with California Attorney General and Internet Crime Complaint Centre, XXXX. 
I would be more than happy to provide more information and evidences supporting my claim and looking forward to hearing from you about how I could get my money back from them. 
Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My brother XXXX XXXX used my name to apply for a credit card from Capital one and maintained the account without my knowledge. He used to live with me, he is incarcerated now and I was not aware of this. I have filed a police report and sent it to the company but they dont care and still calling me every day to pay. I dont owe that money. I did NOT authorize my brother to obtain any kind of credit cards with my name Original is Capital one Now bought by XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My brother XXXX XXXX used my name to apply for a credit card from XXXX XXXX and maintained the account without my knowledge. He used to live with me, he is incarcerated now and I was not aware of this. I have filed a police report and sent it to the company but they dont care and still calling me every day to pay. I dont owe that money. I did NOT authorize my brother to obtain any kind of credit cards with my name Original is XXXX XXXX Now bought by portfolio recovery LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have an ATM dispute. I tried depositing {$7500.00} in ATM on XX/XX/2020. While depositing, the ATM started acting up after I put my money in the ATM. The money door opened up and all the money i had was stuck inside the ATM. I tried pulling my money out but only half of the money was retrieved and the rest was stuck inside the ATM. The ATM went blank and restarted and after which the ATM was in error. I tried opening claim multiple times with bank of america but they keep denying my claim saying that i took the money out. I checked with the bank of america manager at the ATM location and she was able to validated all the issues i mentioned and her daily balance was indeed over by my missing dollar amount of {$4600.00}. I have called them numerous times and visiting the branch office many times but they would not resolve my claim. They forcefully closed my account due to negative balance and now that is being reported in my credit history. I am asking bank of america to fix this issue and the headache it has caused me for this nine months over the money they took from me.

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