BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015 my wife left me leaving me with a whole lot of debt that I was unaware that I had. My mortgage company, Ocwen Loan Servicing , LLC, offered to lower my payment. The company had impounded my taxes and insurance and I received a letter of tax lien from the county collector stating that my taxes were not being paid. I received a letter from the county and called my mtg. co they told me to disregard the statement it must be a mistake. I have seen many discrepancies in just the statements that I am sent monthly. I am now in the process to hire an attorney to help with understanding what exactly has been going on. My escrow account has been in the negative although I have been on time every month since I started paying the mortgage myself. There is a " deferred '' balance that has been fluctuating throughout. In 2015, I received a form XXXX of a cancellation of debt for XXXX in which I filed with the IRS but I was never forgiven of that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX and XXXX, 2019, I repeatedly received an error message from EXPERIAN when requesting a copy of my credit report. I was able to log in to the account and lift the security freeze temporarily, but I need to see the report to check for inaccurate information.

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 2016-05-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, I began to have problems paying my mortgages. I own rental properties and many of them had loans where the payment was doubling. Additionally, a number of my tenants were having trouble paying their rent due to job issues. My rental property was my only income and I began to have serious financial issues. Consequently, XX/XX/XXXX, I filed Chapter XXXX. My reorganization plan was confirmed XX/XX/XXXX and my Chapter XXXX was closed XX/XX/XXXX. As part of the Ch XXXX, I gave back one of my properties to the bank. At the time my lender was XXXX XXXX. Then, XXXX XXXX sold my loan to Ocwen. When Ocwen contacted me about the loan, I presented them with my court documents showing I gave the property back to the bank. It took over a year and countless phone calls and letters for Ocwen to finally acknowledge I gave the property back to the bank. But finally XXXX ID # XXXX, who is one of their BK specialist, finally did acknowledge I gave the property back to the bank in my Chapter XXXX, and we began the DIL process. When we were almost done with the DIL process, Ocwen stopped the process. They changed their minds and refused to acknowledge my court documents. They said I was still responsible for the loan and I had outstanding payments of about {$50000.00}. This makes no sense. My court document -- Memorandum of Points and Authorities in Support of Confirmation of XXXX Modified Chapter XXXX Plan of Reorganization, page # XXXX -- clearly states I gave the property back to the bank. Furthermore, on XXXX/XXXX/XXXX, I received a letter from Ocwen acknowledging I surrendered the property in my Chapter XXXX. I escalated this matter to XXXX XXXX, Ocwen ombudsman. She was no help. She just kept saying I did n't give the property back to the bank. I need help making Ocwen honor my Chapter XXXX reorganization plan which was clearly confirmed by the BK court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX paid off our federal student loan than we were told we owe a loan to a private company Navient, we have tried to make arrangements to make payments but were told they would only accept the full amount yet they keep posting on our credit that every month were late with payment, damaging our credit is this legal for them to do this if not could you please look into this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: CT
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 filed a Dispute XXXX XXXXXXXXXXXX XXXX XXXXXXXX thru Equifax and Equifax came back and said that the account and balance is valid. Not sure how they confirmed with and I have asked Equifax numerous times to forward me the information that XXXX XXXX XXXXXXXX provided to them to validate the debt and all I received is a credit report. When I filed CFPB complain for XXXXXXXX XXXX XXXXXXXX you can see the attached that they reported different. They mentioned that my account should be XXXX. I have never used this company before. No idea who they are and I have asked them more than one to validate the debt and they refuse. Please delete this from my credit report ASAP because it's causing harm on my credit report but providing false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made several attempts and spoken with the debt collection agency and credit bureaus. Notify them that I was a victim of Identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Union Bank IT employees continue to " Cancel, Stop, Change '' Bank Fraud Alerts, Overdraft Protection Alerts, Deposits and withdraws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was foreclosed and sold on XX/XX/2015 with the sale price paid off in XX/XX/2015 yet the mortgage company ( Caliber Home Loans ) still shows a {$59000.00} balance on my credit report. I filed a dispute with the credit report agency and Caliber affirmed the balance still owing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen has made numerous mistakes, delay tacktics, postdating items I have sent in, and now decided to foreclose without any notice or proper advertisment of my foreclosure. On XXXX XXXX I received a letter from Ocwen stating that my loan had been postponed and that as of this date, no future date has been determined. I continued to sell my house and my house is due to close on a sale in XXXX days. I submitted this information to Ocwen on XXXX the XXXX. They wrote me on the XXXX that my home was being sold at auction Tomorrow XXXX XXXX. I supplied them with a copy of the letter and they wrote me back and stated they did not need to give any notice to sell the property. I was given no information of the sale, I asked for copies of proper advertisement and they did not provide it. I am beyond myself. I have filed several complaints about there actions which are currently under review. Alaska statute states they must properly advertise the sale prior to foreclosure for date and time. This has caused me extreme hardship. They stated they would postpone the foreclosure if I provided proof the loan would close on XXXX XXXX, which gives me XXXX business days notice to foreclosure. There letter clearly stated no new date had been set. I could have secured short term financing for the amount due but since the house has sold and they did not set a new foreclosure date, I opted to do the entire payoff. I also notified Ocwen they had made an error by not advertising the sale and not giving me notice and denied me the XXXX day delay until they formally respond. Now they tell my I have to submit any further correspondence with them in letter form to ensure delays in my correspondence instead of contacting them by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
Responding a job offer email, I interviewed with XXXX XXXX ( XXXX ) and was sent a job offer for XXXX XXXX XXXX as a XXXX XXXX employee. They even created an ID Badge for me. XXXX said they were creating at home work in the USA for the XXXX based company XXXX XXXX. They sent a check for {$3800.00} to be used to purchase company equipment & software for XXXX position. Besides asking I purchase a printer, they began to request XXXX payments sent to a Vendor at XXXX and requested XXXX Gift cars be purchased to allow them to purchase to computer tools. Bank held the deposit until XX/XX/21 and then put it through. 2 days later, my bank flagged the check they sent for {$3800.00} as a return deposit item, and is going to remove it from my account despite having approved it for deposit after a 72 hour period. Bank will not assist in preventing the funds from being withdrawn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: TRANSWORLD SYSTEMS INC
State: NH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/XXXX, Transworld Systems reported an unpaid debt from XXXX XXXX for {$71.00} to all XXXX credit bureaus. 

Despite writing and contacting this company asking proof of this debt, they have never provided such proof. 

XX/XX/XXXX, I spoke with XXXX XXXX and again ask for proof of the debt, as she did not want to provide me with the information, I asked to speak to a manager, but she kept me on hold for close to 20 minutes, only to hang up the phone on me. 

XX/XX/XXXX, I called and spoke to Manager, XXXX XXXX, who said that she would personally mail me proof of the debt. I gave her my mailing address and she re-assured me that she would send the information. 

As I did not hear from the company and because I was being denied a loan due this collection item, I decided to pay the bill, see attached. 

Although I paid the bill it is still being reported to all XXXX credit bureaus as a collection item. Upon contacting the company again, I was told that they do not remove collection items from any one 's credit report. 

I contacted the credit bureaus who informed me that this was incorrect and that the collection company simply needs to inform them that the collection item was paid in full and to delete it as a collection item. 

I have made several phone calls to this company and they have failed to assist me and this item still remains as a collection item on my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have XXXX accounts with Bank Of America and they have altered the account numbers so that they can continue to report it to the credit bureaus despite the accounts being written off and over ten years old

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 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 called Transunion to the fraud department and I was told they could not help me that is the inquires are on there it was mine.

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 2021-12-23
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2015-07-22
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2015 I applied online to open a Savings Account with American Express. Everything was fine until I tried to submit my account information from XXXX XXXX XXXX so that I could fund my new American Express account. I called their customer service number where they verified my name and my husband 's, our address, our Social Security numbers and our NJ Drivers License numbers. I was then told I would be asked a timed series of questions. I was asked when I lived in the XXXX area ( 16 years ago ) what county did I live in? I believe I answered that correctly " XXXX XXXX '' I was asked what county I lived in now? I answered " XXXX XXXX '' I think I was asked the nearest cross street to my present address ; I answered " XXXX. '' And then there were XXXX questions listing the names of XXXX streets in my town. I was asked each time to identify the name of the street that was located in XXXX, NJ. I could not answer either of them correctly. There were no more " identifying '' questions for me to answer.I requested the opportunity to speak to the Customer Service Representative 's supervisor. When I spoke to her she told me she could not help me! I would receive some communication in 5-7 days. 
This was ridiculous! I have resided in XXXX, NJ for 16 years ; I do not know every street in town. I am a XXXX ; I am XXXX! What happened to protecting my information? American Express now has my XXXX XXXX XXXX Account information and my SSN, as well as my husband 's. They also have our XXXX XXXX XXXX information. This was not a satisfactory experience. My application number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
American Express sent my billings to the wrong address for months after they were advised that I had moved. Bills were not delivered to me until months later. When they turned bill over to XXXX who immediately contacted my ex wife, even though she was not a cardmember. They contacted her before I even received notice that they were involved. They advised her who they were, what was owed, etc. This is not the first time this has happened. This happened several years ago on AE account XXXX. They went so far as to call my children to attempt to collect the debt, threatened me with court and called continuously, even though they were advised not to. American Express was made aware of their actions at that time but still uses them. It would appear to me that AE is aware of the problem and approves of their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I have viewed my XXXX credit report and notice that there is an unauthorized inquire place in my file. This company has put a hard pull inquire on my XXXX. I have sent them letters explaining to them that I have not given any such authorization or signed any documents allowing Wells Fargo Card service to RUN my credit. I have asked them in Both letter to provide me with A copy of the loan application with WET Signature. If they cant provide me with the information I requested, I ask that they remove this inquire from my XXXX Report. They have failed to provide this information and using stall tactics. This inquire still remain on m report.

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 2015-09-15
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with Suntrust on XX/XX/XXXX in XXXX, Va in order to automatically deposit my Social Security and Pension monthly. At this point, I have an account with XXXX XXXX XXXX but recently moved to XXXX, Va and there is no XXXX XXXX XXXX. Suntrust opened the checking acct with no problems. I received my checks and XXXX debit cards with different acct numbers. When I called Suntrust about this, they told me to destroy XXXX card and the other was okay to use. I then transferred my Social Security and Pension to Suntrust. About a week later, I received a call from Suntrust saying they could not keep the account open with no explanation and I would receive a letter and my deposit in the mail. This did not happen. I changed my fund back to XXXX XXXX XXXX. On XX/XX/XXXX, I went back to Suntrust to find out what happened. They told me there was nothing wrong with the account, it was active and they could see no problems with accepting my deposits. I made a small deposit to test the system and no problems. I then transferred my Social Security and Pension back to Suntrust. The following week, I called Social Security and Pension and transferred back to Suntrust. On XX/XX/XXXX, I received a call from Suntrust saying they were closing my account again but did not know why. I then called Suntrust Corporate and talked to them. They also could not see a problem. I was told to go back to the branch which I will be going tomorrow. This situation has caused me to having health issues. I am a senior and have been XXXX since XX/XX/XXXX. I don ; t even know if I want the account now but it is the principal of the matter and feel I have a right to know why I 'm having this problem, not to mention having to call Social Security and my Pension and redirecting my info over and over again. No one should go thru this to open a checking account. Please help me solve this problem. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I've had a student loan since 2002 with an original amount of {$34000.00} between two consolidation loans. I currently owe {$43000.00}. I've used the maximum amount of deferment and forbearances due to financial hardships. I wasn't advised that income based payments were an option, and as a result, 16 years later I owe {$8400.00} more than when I started. I've been charged {$950.00} in fees and {$11000.00} in capitalized interest. I've made a total of {$17000.00} in payments with only {$3500.00} making to principal. I think my loan provider has unlawfully advised me and unlawfully acted so that I would pay more for a longer period. I believe these actions to be predator in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Bank of America Visa card. This account was paid and should be off my credit report but Bank of America show it still unpaid. I've tried to get them to correct the information but it still shows up as unpaid on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 Paypal responded to XXXX complaint : XXXX. 

They stated : " PayPal released your remaining balance of {$1400.00} after the 180-day timeframe expired on XX/XX/2021. 
You are able to log in and withdraw your Account balance at your convenience. '' However this is completely false. I have logged in tried to withdraw the funds by check in the mail and instant transfer the only 2 ways to withdraw funds and they are still blocked.

Company response to consumer: Closed with explanation