BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-05
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
ocwen has given me bad credit because they say I have not made payments when I have proff that I did.now I cant even get HARP help because they say you need 6 months of making payments and ocwen says I have n't when I have bank statements proving I have .so now I cant get gove.helpor get someone else to take my mortgage even though I made some times two payments a month.i am XXXX.i cant XXXX.i cry all the time.i lost my son and my husband in the last year.now I am going to lose my house.and no ome will help me.can I sue ocwen for putting me through this and making it so I cant even get HARP.my interest is over 10 percent.thats just plain criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was shocked to find out my store card was closed never have I been treated like this Wells Fargo closed my retail store credit card XXXX XXXX and they didnt even inform me I found out online this is not fair

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 2020-06-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
See attatched USAA Response to CFPB XX/XX/XXXX. XXXX XXXX CONFIRMED Total Purchases XX/XX/XXXX {$810.00} Total Merchants Credits {$340.00}. USAA HELD ME LIABLE FOR THE {$470.00} WHY? WHY? see attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM Claim date XXXX XXXX, XXXX {$470.00} ALL UNAUTHORIZED TRANSACTIONS. USAA has NEVER PROVIDED PERMANET FRAUD CREDITS. When I asked usaa where are these permanet credits. See attatched XX/XX/XXXX REVIEW OF YOUR CLAIM USAA CONFIRMS (?? NO FRAUDULENT ACTIVITY??? )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: HI
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:
NAVIENT Solutions Inc. has for the past 13 years steered me in the wrong direction to pay off my loan by telling me that I was not eligible for an income based repayment plan, but rather enrolled me in forbearance and deferment plans that include continued interest accumulation and late fees. Despite my continued efforts and attempts to inform them about my inability to pay, due to my low earnings and high cost of living, they continue to harass me by repeatedly calling my work place and leaving messages with the administrative staff, and sending me threating letters. When I attempted to lower my loan via a XXXX Loan Forgiveness Incentive, they have denied it despite my being eligible and submitting all the paperwork and proof of eligibility as requested by them through Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
OCWEN AND XXXX ARE FALSING REPORT OLD MORTAGE LOANSMortgage account number XXXX and mortgage account number XXXX XXXX I started the hardship process with XXXX XXXX XXXX weeks prior to the closure of the short sale the loan servicer XXXX bundled my into a bulk sale/transfer of an new servicer Ocwen . Subsequently Ocwen providing false or misleading reasons for denying short sale and refused to handle my loan modifications without me first making a payment. The customer service agents at Ocwen suggested I take a loan from my XXXX account to prove I was serious about resolving the matter. A loan was taken from my XXXX payments were made to Ocwen up to XXXX XXXX and I was still unable to get assistance with a short sale or modification. XXXX year later, the deed of the property was transferred to the HOA and later sold in a sherrif sale. Attached is a summary of attempted interaction with OCWEN and Experian. 
XXXX is the only credit bureau who has refused correct the reporting mistakes by OCWEN both XXXX and XXXX have been compliant with my request. 
Attached : XXXX XXXX Experian list Ocwen as verified/updates with incorrect dataAttached : XXXX report of XXXX reporting agency show the account status as deed in LieuAttached : Sheriff Sale of the property AttachedAttached : Deed transfer in lieu of for foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America. I was told that when my home equity loan was paid in full it would be reported that there was no late payments. The 3 month payments that were reported as late was the time Bank of America took to mark my account PAID IN FULL. This should be removed from my credit report. The second Bank Of America is my loan modification in which I was making payments to Bank of America on a trial modification. Bank of America waas to remove from my credit report these lateness reports. I would also like this removed from my credit report. The XXXX report that is wrong is XXXX, this was reported wrong as being late. I cosigned a student loan and my step son is still going to school and the payment was suspended untill he graduates. They reported the XXXX payment in arrears even though I paid them on the phone.I never received a notice from XXXX about this lateness. I also need this report removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan modification under HAMP. IndyMac was servicing the loan and transferred it to Ocwen two - three years ago. Under the terms of my loan, my interest rate goes up one percentage point every year until it maxes out at 5 % for the rest of the life of my loan. My interest rate started at 2 % for the first five years of my loan. When the interest rate went to 3 % in 2015, Ocwen, not only increased my payment to cover the interest rate increase, they reamortized my loan and took an additional {$150.00}. - to {$200.00}. per month of my principal reduction amount and applied it to the interest. They did the same thing when my interest went to 4 %. They are RESETTING my loan, CHANGING THE TERMS and VIOLATING TRUTH IN LENDING LAWS. Every time the interest rate changes, per the terms of my HAMP modification, Ocwen increases my payment to cove the interest rate increase. This is spelled out in my documents. HOWEVER, there is no DISCLOSURE that my loan amortization will be reset ( my principal reduction amount is reduced by {$200.00}. per month ) and that they will take an additional few hundred dollars of the principal and charge it off as additional interest on my loan. 
They are violating the terms of my HAMP modification, there is no disclosure, they are double-dipping on the interest by stealing from my monthly principal reduction amount and I should be entitled to damages. I have called them numerous times and they continue to tell me my payments are applied correctly and sent me a copy of my HAMP documents ( which I already have ). 

If they are doing this on my loan, they are doing it on thousands of loans. I need consumer protections because I believe they are in serious violation of disclosure laws and have changed the terms of my HAMP modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have never been late on a mortgage payment. My current mortgage is with Ocwen and my payment is {$2900.00}. I made my XXXX payment on XXXX/XXXX/14 and transposed the last XXXX digits, paying {$2900.00}. Ocwen held the funds, did not post the payment but put on my account, and did not notify me. When my XXXX bill arrived, it showed that I was short the {$54.00}, which I promptly paid with my XXXX payment. Then Ocwen started sending me foreclosure paperwork and added a 30 days late payment to my credit report. I called Ocwen, and the individual I spoke with agreed that this seemed incorrect, but did n't have the ability to fix. I asked for it to be escalated, so he forwarded to their credit department and promised that someone would call me. No one ever did. 30 days later I received a letter that stated due to policy, unless Ocwen receives 100 % of the funds, they do not have to post the payment. I do n't think my credit report should reflect a 30 day late mortgage payment due to a {$54.00} error. This will affect my ability to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
They were taking overdraft fees, limited balance fees and extra ATM fees

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 2020-06-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I requested to dispute a transaction from XXXX using my chase blue sapphire credit card for the amount of {$880.00}. Due to the COVID-19 pandemic, I have to cancel my trip, however, I never received this refund. The hotel confirmed me that they have already refunded XXXX, so, there is no legitimate reason for XXXX to not refund my charges. I requested Chase to dispute this transaction, but the initial investigation from Chase revoked my claim. After I submitted another request, providing all the necessary document/record, demonstrating that I have correctly followed the special cancellation policy that XXXX posted during the Covid-19 pandemic, Chase still rejected the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I deposited a check into my checking account for {$2800.00} I waited a couple of days to make sure the check funded I we nt to the Chase Br anch at  XXXX   XXXX   XXXX   XXXX  and I asked the teller if the funds cleared for that check.Her response was yes it funded so I withdrew  XXXX  and then I noticed a couple of days later that my checking account was over drawn by the amount of {$2800.00} and I was told the check was returned for insuffeciant funds.So they use what I had in my acoount to cover that. I went to Chase again to discuss the problem and I was informed there is nothing they can do but I asked if the funds cleared and was informed it does n't matter if there was enough money in my account to cover it that is how it works so I have been charged over draft fees on top of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Someone called me up and told me I had a debt. They wanted me to go to their office and make payment arrangements. I asked for an invoice or a bill and they stated they would give me somthing in writing after I paid the bill. I told them the law requires that I receive something in writing regarding this debt within 5 days of intil contact. They sent me something in writing stating that I had 5 days to pay the debt in full. I do not believe this is right. Am I not allowed at least 30 days to refute and/or accept the debt once I receive written notification?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX, continued to send collection notices to me after I requested for them to validate the debt. They didn't follow the correct guidelines for accounts that are disputed, and ignored the request that was submitted back in XXXX. It wasn't until I sent a certified letter that they acted as if they wanted to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: APR or interest rate

Complaint:
Bloomingdale 's continues to charge $ XXXX/month as " minimum interest '' when I have no outstanding balance on my account. They even reduced my credit line for not paying this {$2.00} charge.

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 2016-05-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We had a mortgage with Indymac. We attempted to refinance and discovered that the mortgage lender Indymac was in XXXX position on the title, and our HELOC lender XXXX XXXX was in XXXX position, so that made us unable to refinance. We asked Indymac to correct their paperwork, but they knew they were going to be bought out by OCWEN, so they did nothing. Once OCWEN bought our loan, I informed them of the error on the title made by the title company. OCWEN is now suing us and XXXX XXXX ( who the HELOC is with ) because our name is on the title, even though we did not make the error. It is completely unfair to be caught in the middle of this XXXX huge corporations, when we have never missed a payment or been late, and now we have even more expenses from having to hire legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On around year XX/XX/XXXX l rented a apartment in XXXXCalifornia and l was the only applicant and Renter.at XXXX apartment. 
I stayed for six months or less.There was no lease only month to month. 
I always payed my rent on timely matters and kepted my apartment cleaned and l did n't have no pets. 
I payed my deposit of around {$1000.00} in which l did n't received when l moved out of the apartment. 
I file Retaliation and Discrimination complaints with. Federal. Trade Commission and XXXX apartments and Hunter Warfield collections stopped harrassing and collection calls. 
Now XXXX Hunter Warfield collections are harrassing me in collections and sending me to collections and ruined my credit XXXX 
This collection companies and XXXX apartment are trying to collect {$990.00}. 
Also the charge of {$990.00} is for them in cleaning the apartment in which l hired a housekeeper to clean the apartment and apartment was left very cleaned and there was no pictures hinged on the walls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Hunter Warfield, a collection agency out of XXXX has been trying to collect a debt and been threatening my credit rating. I just learned today that they have reported me as deceased to XXXX even though they called me again today. I have started the dispute process with XXXX and also contacted Hunter Warfield and spoke with XXXX XXXX who assured me that they did not report me deceased. I have paperwork coming from XXXX to confirm the report. What can be done about this?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, between the hours of XXXX EST. I used the XXXX XXXX ATM machine located at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX FL XXXX. I made XXXX separate transactions that totaled {$2000.00} dollars. The funds were posted to my account on XX/XX/2022. However, they only posted funds in the amount of {$1700.00}. Navy Federal Credit Union confirmed XXXX transactions. Transaction # XXXX. In the amount of {$740.00} dollars, Transaction # XXXX. In the amount of {$700.00} dollars, and Transaction # XXXX. In the amount of {$280.00} dollars. One single deposit transaction is missing. A single deposit in the amount of {$300.00} dollars was not posted to my account. I have contacted XXXX XXXX regarding this missing deposit, and they keep telling me about the posting date of XX/XX/2022. I have requested a transaction history for XX/XX/2022. I know that whenever I use my debit card the transaction date should be reflected on the account as well as the posting date because in some cases the dates may be different. I have received conflicting information about the transaction dates. First, I was advised that the cash deposit date was on XXXX XXXXXXXX XXXX and after I questioned them about why the cash deposit had not posted the same day because it was deposited that morning, I was later advised that the deposit was on XX/XX/2022. I do not believe my dispute was thoroughly investigated and I would like to know what happened to the missing deposit. There's a surveillance camera on the building and it's aimed directly at the atm machine that I used. I would like to request an investigation to review the surveillance and confirm the ACTUAL DATE OF DEPOSIT ( NOT THE POSTING DATE ) and the number of deposits shown. I am demanding that Navy Federal Credit Union investigate this complaint and correct any errors made to my account regarding this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: AR
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
please update my current address to XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX and remove all other addresses showing on my report. I have attached a copy of my most recent utility bill with my current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I qualify for the XXXX buyback. I 've gone about XXXX to XXXX time over the years to get the problem fixed. Most recently 2 weeks ago. So I asked how much I would get for my truck if they were to buy it bac they offered XXXX I owe about XXXX. My problem is I bought it new in 2013 I have n't used it recently becouse of the risk that 's involved but I do n't want to give it away to XXXX. My total cost with financing is XXXX I 've paid about XXXX I owe XXXX. I have about XXXX recalls on it do I qualify for the lemon law for the reason they do n't have part for it and have n't had any till present day. My vin number is XXXX

Company response to consumer: Closed with explanation