BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-29
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
There has been fraud and robo-signing going on with the companies that handle our note and Deed of Trust! A complaint will be filed with the CFPB and other agencies in the near future regarding this issue. We are requesting the following information to complete our investigation before we file the fraud and robo-signing complaint with all supporting documentation including a third party investigation, with federal and state agencies! 
Now ; we send our monthly mortgage payments to Ocwen Loan Servicing, our servicer. Our trustee is XXXX XXXX XXXX. Again, I am requesting the following information in writing with documentation! 
First, provide documentation on who Ocwen Loan Servicing sends our monthly payments too. 
Second, provide documentation of when ( dates ) Ocwen sends our payments. 
Third, provide documentation of how much ( amount ) Ocwen sends each month. 
Forth, If Ocwen sends our monthly mortgage payments to XXXX XXXX ( our trustee ) as suppose to be, then Ocwen Loan Servicing must request additional information from XXXX XXXX! 
Fifth, has XXXX XXXX XXXX kept any of the funds that have been received by Litton and Ocwen Loan Servicing since 2006? 
Sixth, provide documentation on which investor did XXXX XXXX XXXX send our monthly payments too going all the way back to XXXX XXXX XXXX, our original lender on XXXX XXXX 2006. 
Seventh, provide documentation on how much did XXXX XXXX send each month to the investor? 
Eighth, provide documentation of the dates when XXXX XXXX sent the payments? 
Ninth, provide documentation on the type of payment sent to the investor? ( check, electronically, ETC ) Be warned, do not add any other information with in your response other than what is requested with in this complaint, otherwise more complaints will be filed against Ocwen Loan Servicing!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX certified letters within a 60 day period to I.C. System, Inc. has failed to provide the following requested information to validate alleged debts:1. Signed credit applications between myself and the original creditor2. Copies of all signed vouchers from the date accounts opened until default3. Copies of all statements from the date accounts opened until default4. Proof of the statue of limitations5. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) or6. A copy of the contracts I.C. System, Inc. purchased the alleged debts7. If the alleged debts were purchased, provide a copy of agreements between I.C. System, Inc. and myself, signed by me, stating that I have a contractual responsibility to I.C. System, Inc. for the alleged debts8.Provide proof that I.C. System, Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from I.C. System, Inc. I.C. System, Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ), and carries a {$2500.00} fine. Please advise I.C. System, Inc. of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I submitted the online form to request my credit report annually at the very end was denied access to view my report and was given instructions another options to view

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 2023-08-30
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a letter in the mail regarding a debt that was from 2011. Under the Fair Credit Reporting Act I am no longer obligated to debt nor could I be harassed or have information on my credit report regarding this old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone used my personal information and identity to obtain services. I did not create this debt. I am a victim of identity theft. I have reported this to the police and have tried several times to have the collection agency to correct their records. They continuously ignore my dispute and verified this fraudulent account with the credit bureaus. I have sent them certified letters, ID theft police reports and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. I contacted the collection agency via mail and have not received any response National credit systems is well aware that this account is fraudulent and still verifying it with the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XX/XX/2016 I received multiple phone calls not only on my cell phone but my place of employment. Not only was I being harassed by this debt collector, but my employer/HR team was harassed by XXXX XXXX! During my second conversation with XXXX XXXX she started harassing me telling me " I heard about you ... '' which I am guess she had a talk with " The management group '' before contacting me. Not one phone call was XXXX polite nor was she professional. After multiple times asking her NOT TO CALL MY WORK, she continued to do so, being very unprofessional, Rude, disrespectful and threatening me ( As I stated before saying " She heard about me, or she was ( warned ) about me. '' Also telling myself and my HR team that they " legally have to give all of my information to her. '' If this is not harassment I do n't know what is. Since then I have not heard from this debt collector so I am guessing this debt has been dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Concord Servicing Corporation
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been in dispute with XXXX XXXX XXXX which is a timeshare since XXXX. I pulled my credit and Concord Services has marked my credit that I am in collections but never gave me written notice of this. I should not be in collections because this is a disputed contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a home loan with quicken home loans.Quicken chose XXXX XXXX Appraisals to do the appraisal of XXXX XXXX XXXX XXXX XXXX XXXX Cerification # XXXX did the appraisal and stated XXXX Square feet causing my loan to fail. Quicken chose this appraiser and I paid XXXX dollars for a bogus appraisal. I had no part in choosing this appraiser and should not be penalized for her errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Alorica Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My brother received a call from West Assist Management and told him I them {$1000.00} and that if I did n't pay them I 'd face legal action.They also tried to badger my brother into paying.I 've never given my brothers contact information to anyone. I also believe this information is incorrect.I have never had services with this company and have no knowledge of why they 're even on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/2012 my student loans were discharged due to XXXX. I have been following the information on my credit bureau. XXXX has it correct. Transunion and XXXX do not. I have sent information and proof that the account from XXXX is not correct. I have asked over and over to investigate this. All they do is take XXXX word for it. Do they not realize that XXXX can be wrong. Do the many lawsuits and class actions against XXXX have any meaning? My biggest issue is with Transunion. It is like talking to the wall. Nothing changes. Meanwhile, due to this incorrect information, I am unable to get a home, or car. When you are XXXX, waiting for 10 years for incorrect information to fall off is not an option. I may be dead before it comes off. I think the CFPB should realize this is a big problem and consider action against Transunion as well as XXXX.

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 2015-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a mortgage with Countrywide which then became Bank of America back in XXXX. I filed Bankruptcy in XXXX. Discharged XXXX. After the Bankruptcy we continued to make payments to Bank of America for our XXXX. During the next 7 years we applied fro Loan Modifications on XXXX different times. Bank of America would have us sign and make trial payments. Each time we never received Final Loan Documents. During this time I kept making the modified payments and would call Bank of America regularly to ask why They have not sent us Final loan documents. Was told by Bank of America they would expedite it, but still never received them. We just kept making payments. Bank of America just kept dragging it on to get any payments they could. Now XXXX XXXX, XXXX I find out the Loan was never re-affirmed and that it was part of the bankruptcy and it was discharged. So Bank of America drug this out for so long just to take our money even though it was BK. We paid over $ XXXX. I believe this is Fraud on Bank of America. Please help us get our money back. Property BK now. Backup documents attached are only for recent activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Today is XXXX XXXX My mortgage server is Select Portfolio. In the last 6 months I have followed there direction and listened to them tell me that my Loan status is in review. I have faithfully spoken to them every week to see if they needed any additional documents or just to give me an update on the status. Every week its the same answer that I am in review they have all necessary documents and I just need to be patient. All I wanted is to save my home and I believed that the representatives from SPS wanted to really help me. Today I was served with foreclosure documents in the complaint it says that SPS forwarded my account to there attorneys office on XXXX XXXX, which means they never had intentions to help me. I called the law firm that represents them they told me there client never had intentions of helping me and laughed. I called the bank this evening and Spoke with a representative and he said to me that he felt terrible and after reading the notes on my account he cant believe that SPS did this to me.The he asked me if I could up load my legal documents to him so he could see them. I know what this bank has done is deceitful, they mislead me for months so that they could turn around and take the home away from me. What I did wrong was to trust Select Portfolio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
On XXXX XXXX, 2015 at approximately XXXX mountain time I contacted XXXX XXXX to speak to someone about making a payment plan on my student loan which I had stopped making payments on due to extreme financial hardship.. The customer service representative that took my call was unprofessional, rude and used bullying tactics and demanding that I pay the amount in full. I repeatedly asked him to stop talking over me so I could explain again to him that I needed a " repayment plan '' or Forbearance agreement forms so I can sit down and figure out what I can do to resolve my situation and pay my debt. I am VERY DISAPPOINTED as I contacted them to try to make a payment plan and just feel like I was abused and shamed. If the calls are truly monitored and recorded you should listen to it. XXXX XXXX - email : XXXXXXXXXXXX, You may contact me for further information if you wish.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

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 2016-01-20
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
BB & T purchased Susquehanna Bank. They are a horrible bank. I have a checking account and a line of credit which includes a fixed loan and the line of credit with them. I tried to take XXXX from my checking account and apply it to the principal balance on my line of credit. They, on their own, decided to split the XXXX between principal and interest on the line of credit and fixed loan. I called and fought with them about fixing this. Supposedly they fixed this but since then I have been locked out of my credit line account. You can see the balance only, but NO transactions, so I have no way of knowing if anything was corrected. I have called the branch manager and the IT dept., who XXXX can not access my account. Their IT dept informed me that they are aware of the issue and it was supposed to have been fixed on XXXX XXXX, but hope now to have it fixed by XXXX XXXX. So I have NO access to my account for 2 weeks. They told me they are trying to create an entire new web site, since the old XXXX is messed up, they new one also does n't work. Meanwhile, IT IS MY MONEY AND THEY HAVE BASICALLY LOCKED ME OUT FROM VIEWING IT, AND THEREFORE USING IT. I received a monthly statement from them which shows a fee/service charge for {$57.00}. I have no idea what that is, and i can not find out about it since I am locked out. Besides that, when I called the bank to find out about the fee, they can not find it as well. They have no idea what it is, no one there seems to know anything, but they have access to all my money, but can not tell me anything. THIS IS NOT A CORNER DELI, THIS IS A BANK. This is so entirely unacceptable. I have never heard of a bank with issues like this, I feel like they have stolen my money. There should never be a time when you can not access your accounts ; I do understand that they need to update their systems from time to time. That is usually late at night for a several hour window. This is for several weeks and should be against the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
We began the process of a " Rocket Mortgage ''. After giving information online Quicken needed to get our credit report. After checking our credit ( XXXX and XXXX, for some reason it always comes up less in the mortgage process ), Quicken said we needed to contact them to continue as our income is primarily from rental properties. Had we know this in advance, we would not have approved the credit check and subsequent credit hit we would take from it, and I did let XXXX from quicken know about it. After an hour and a half online, Quicken need my tax returns. I was not quick enough in getting it to their online service and was told they would look at it when it was there and they ended the chat. This morning I tried to load my tax returns and I discovered a letter telling me my loan application has been denied for not having my income supported as I was about to do. This is clearly retaliation as I had indicated I would forward this to the CFPB. Now I have a second " ding '' on our credit for the loan denial. Something wrong is going on here and I hope you will examine it. I do have transcripts of the online chat, and the rejection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I signed up for transunion and XXXX credit monitoring services. I disputed all negative items on my report and many were updated and removed. I also had bankruptcy from 2008 fall of my report during my membership. All of these positive changes in my credit file had me elated. However, my score on all my reports nevertheless decreased. In XXXX case over XXXX points. I am not sure if this is a marketing scheme to keep customer enrolled in membership programs to improve their scores. However, it seem quite suspicious that negative items can be removed from a report and a credit score can significantly drop. These agencies are up to something designed to sell their credit monitoring products and keep customer enrolled after purchase. 

thank youXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I wish that i could mark all of those boxes XX/XX/XXXX while at XXXX mph, my XXXX Chrysler 300 failed and died suddenly, power steering, brakes, lights, everything inoperable, 1. ) XXXX-REFUSED MY CLAIM ALTHOUGH I WAS FULLY COVERED and HAD A COLLISION. 
2. ) CAR WAS TOWED TO XXXX XXXX, XXXX in XXXX, Dealer charged me {$600.00} in repairs, ( {$250.00} replace starter, ) ( {$350.00} in engine inspection labor ) 3 ) XXXX XXXX denies my warranty claiming that the engine died due to gross negligence on my part. They based that solely on a 1 month gap where I could not accoung for oil change receipts. 
4 ) XXXX put the remaining balance of the vehicle owed on my new loan, promised XXXX in rebates for buying a new car. XXXX also used rebates and freebes from manufacturers XXXX, " fix '' chrystler XXXX. 
5 ) I had came in with a XXXX loan approval from MILES program, XXXX pulled a fast one, a bait and switch on contracts, I NEVER PHYSICALLY SIGNED ANYTHING. I set up the madatory alloyment on his computer, and I shook his hand. 
He failed to add GAP and I had to pay {$480.00} cash from my own personal money. he kept the license, title and registration as collateral un y il I had enough a month later. 

I only found out that ally was my lean holder 2 years later when allotments stopped. 
the Chrysler 300 was under a safety recall get o r electronic key failure consistent with my story and I was fooled to think it was the engine by a CHRYSLER mechanic specialist. 
XXXX doubled the purchase price, jacked upp the interests, and made the 300 disappear before I could even ask for it. 
its almost 4 years {$26000.00} was ticket price - {$7000.00} " rebates '' {$1000.00} military discount 48months {$530.00} = {$25000.00} ( original agreement ) 72monthsx $ XXXX= {$38000.00} ( Ally 's cut????? ) refuse to provide " contract '' or statements dealer lost it I never signed it, but Ally reposessed when I got suspicious, and ruined my credit. stole my personal property, and sold at the auction the within 12 hours of repossession. NEVER recieved any mail, or documents please please help, theres so much more, I will explain it all, i hsve recordings, emails, and a compilation of deceit for all XXXX of them ... ... 
they cant get away with this, I am a XXXX veteran

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