BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-17
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN : Need I say more? 
They have ruined our lives, our sanity, any quality of life. Upon reading many of the horror stories online, I almost feel fortunate that ours is not worse. Nonetheless, it 's a true downer having them in charge of your life. My husband lives on SS and has a son who is a XXXX who lives in a home that he bought for him in 1990 and spent a ton of money equipping it for him. Now due to their ineptitude, inaccurate accounting, and just plain GREED, the kid may soon be in the street in his XXXX. I have filed several complaints here but I am not able to scan and attach documents. I 'm no computer whiz. Just spent an entire week delving through a foot high stack of inconsistent and fabricated documents from Ocwen, printing, highlighting, pulling my hair out to compile a package to the NY AG ; do n't think I can do it again. Just will keep trying to get the truth out there and ask WHY are these people allowed to remain in business?!? I 'm just so sure you do n't get any more complaints about them after the big settlement. XXXX. Corruption at it 's highest level

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last year Ocwen did the same thing and the XXXX contacted them and part of the issue resolved. I have HAMP and my loan goes to 4 % this year. The amount I pay now is XXXX. My amount should not go to XXXX. Effective XXXX/XXXX/XXXX they want me to pay XXXX which is understandable, but as of XXXX/XXXX/XXXX to pay XXXX. Ocwen told me to pay in the amount of XXXX for my Escrow account and I did and they said that would cover everything. The first letter I received in the mail states I will be paying XXXX which is not correct. The XXXX highest amounts are incorrect. My Escrow account has a balance of XXXX, why did I still have to send money to cover Escrow. Ocwen has been cheating home owners for a long time, if I do n't check behind them this will continue. Ocwen raised my monthly amount before the five years was up to XXXX whereas the agreement with HAMP was XXXX monthly for five years. When you call to talk to them they say their going to investigate the situation but nothing is done, only a letter with a higher monthly payment. On their site when I check the principal and interest amounts its not the same reported to me. The amount I should be paying for XX/XX/XXXX is XXXX. How are they calculating wrong amounts with monies still in Escrow from XX/XX/XXXX. This company has been nothing but problems since they bought my loan from XXXX. Why is it they can do what they want and get away with it. I 'm a senior citizen paying bills on time and tired of the headaches Ocwen has caused me. On my credit report Ocwen states they were part of a bankruptcy which is not true they were only sent a notice of filing and they were not included, that 's when they started charging me XXXX, which they were not suppose to. This is an ongoing problem with mortgage companies like them. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I scheduled XXXX online payments that PNC sent out as checks. I was charged an overdraft fee for each check even though they did n't post to my account until XXXX and I was n't notified until XXXX. I the past they have always given until XXXX the next business day to cover any overdrafts, in fact this is their stated policy : PNC 's {$5.00} safety buffer PNC allows a {$5.00} margin of error. If you 're overdrawn by {$5.00} or less, PNC will refund any overdraft fees. 
Also, if you overdraw your account but then deposit enough money to be within the {$5.00} margin by the end of the business day, you wo n't be penalized. PNC will automatically refund any overdraft fees. 
However when I called and spoke to two different supervisors I was told that because the items were sent as checks the buffer policy did not apply as I should have had the money available for when the check processed, which I did, I had checked the account the day before after business hours and the checks had not presented. So when I went to transfer the funds the following business day as per the buffer, there were already XXXX overdraft fees in excess of the amounts that were covered! After multiple calls I was refunded XXXX of the overdraft fees after being " educated '' regarding PNC 's current policy in regards to checks. I asked how I was supposed to cover the XXXX checks on the same business day if they did n't post until XXXX and was told again that the buffer did not apply to checks which is not stated in their policy. Unfortunately this is not the first time having issues with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: NY
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:
Two years after I thought I paid off my student loan Navient contacted me, without introduction, asking me to pay off my student loan. What loan, I thought, they I have another loan I was unaware of? The long and short, after six months of hounding me, along with the XXXX, ( not their fault ) they finally certified the loan " paid-in-full. '' However, the experience was a big pain : calls, letters, more calls, more letters, more calls_ususally a call center in the XXXX. Talking to them was like talking to a wall. I kept asking for an " amortization schedule '' to no avail, just a useless list of how the money was disbursed. Finally I spoke to an some specialist " adviser '' with them. I insisted I would not pay anything without an " amortization schedule. '' But, he said, that will take a lot of time. That 's when they " forgave '' the loan. They are the worst. Now I 'm concerned that all these years they may have mishandled my loan without my knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Having received a reply from the history of my loan, XXXX XXXX, who went bankrupt and gave out faulty and or predatory loans, Litton loan who has had its ' owner purchase shares of new loan servicer with indemnity clause and finding knowledge of hedge funds and investments traughs that may have been awarded compensation on the note of my property, wanting to stay in home with a workout solution with added income. The persistence I have had to provide a home for my family and XXXX childs needs as a hardship said earlier, leaves me a pursuit to quiet title on residence for a additional loan audit which was securitized XXXX, XXXX XXXX having legal issues with real estate domestic and abroad. Having XXXX a year income since XX/XX/XXXX makes me want to cure with findings a lodgical solution with aided government help to see all is legal and done properly. The signing of papers from a censured attorney and a attorney that was sent to jail ( XXXX XXXX ) for mortgage fraud and other legal issues have hindered my resolve but to add more delays. Please find a happy Medium that a arbitration can produce a mediation that works for all involved. Ocwen, XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
here i am again complaining about ocwen this co. needs shut down. i tried emailing this through my email but it wouldnt go through. something has got to be done about this co. i guess they are in XXXX so you cant understand them and you cant ever talk to the same person XXXX. they are XXXX days from foreclosing on my family. i have been begging this place for help. our payments went from XXXX to XXXX to XXXX XXXX, now they are XXXX. when i XXXX called ocwen for help they informed us that we have to be behind to get help we didnt really want to do that but we did XXXX months behind they said so we did  and then asked for help and they assured us over and over again they would help. i filled out the application and all the paperwork numerous times bc they would lose something or didnt recieve something or couldnt read somehting or the very XXXX time they made us an offer they raised our payment XXXX a month. what? we are asking for help and they are raising our payments. thats ludicrous. after XXXX more months of being jerked around, the whole time them promising to help us, we were then almost a XXXX. behind on our mortgage. once you get that far behind there is no catching up. we hired a lawyer he did absolutely nothing but lie to us and take our money. what is this world coming too? then another lawyer and they are like well just file chapter XXXX and your new payment is XXXX a month. you got to be kidding me. we couldnt afford XXXX a month but now XXXX. give me a break. we had our house appraised it come in at XXXX we owe XXXX which is exactly what we barrowed XXXX yrs. ago. i will  not give up until they physically throw us out. why cant anyone stop this co. from their illegal, improper and inhumane practices? they get you behind and then foreclose on you. something is wrong here. if you go to any website on ocwen there is nothing but complaints and people going through the same exact thing. everyone is begging for help and the govt sues them goes in and slaps their hands and its over right back to the same old XXXX i just dont get it. i know they have more money that XXXX but please why cant someone make them stop. everybody is afraid of this place i guess. i swear to you if i was a lawyer i would rip them apart. and i wouldnt stop until they had nothing just like they are doing to everyone else. you can publish this anywhere it doesnt matter bc there is tons of these complaints and everybody is just turning thier heads like nothing is going on. there is actually a website that says "nobailout for ocwen homeowners letter to barak obama" and he dont care either. whats the problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I started the weekend with my account at XXXX dollars. I had my rent come out on monday which was XXXX During the weekend I deposited money that I knew would not be available until tuesday. On tuesday the money was made available from my deposit. Also on tuesday my transactions from the weekend posted. According to my account history provided by the bank to me, Before any transactions posted I carried a balance of XXXX dollars. I had XXXX transactions post all of which were less than the amount of the deposit I made over the weekend. According to bank policy which was verified to me by the bank manager transactions post from large to small. therefore i had enough funds to cover all transactions, and my bank register confirmed so. However, I was charged with almost XXXX dollars in overdraft fees. Furthermore, I am having issues with getting more fees and dishonored payment fees because the banks original overdraft fees made me go into the negative almost XXXX dollars. The bank claims no refunds unless bank error. I argue that it is a bank error because i had the funds available to cover all transactions. I spoke with the teller and manager as well as customer service. I was hung up on by customer service when the issue was brought up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My old loan company sold my loan to the new loan company Caliber home loans and in the process a payment I made was lost on the loan companies end but they still took my money. I made two payments to the old loan company on XX/XX/XXXX, and XX/XX/XXXX and two payments to the new loan company XX/XX/XXXX, and XX/XX/XXXX. The payment on XX/XX/XXXX is missing and both loan companies dont know where its at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I was advise by Transunion, XXXX that my 2017 Bankruptcy was given to them by a third party that was furnished by the court. I contacted the court by mail and the court stated that they DO NOT give out personal information I submitted the needed documentation to the credit bureau to remove this item from my credit profile and this still has not happened.

15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
CFPB Request a review of the following account XXXX I requested to close this account due to poor customer service. XXXX had a pending credit transaction of {$99.00}. See attached e-mail from XXXX I paid the min due required at that time for the charge of the XXXX to XXXX to protect my credit rating Upon/once XXXX got the credit transaction processed from XXXX XXXX and closing my account as I requested. XXXX than refunded me the min due payment back as well closed the account as I requested. 3 months later after XXXX posted this on my Experian as a late pay for {$99.00}. A week or so later they added interested to the {$99.00} for a total charge of {$110.00}. 
I disputed the prior late pays as well requesting for documentation. So it appears that they now believe or claim that they never received the funds from XXXX. I contacted XXXX on the XX/XX/2016. I spoke with XXXX at XXXX who claims they ( XXXX ) request was made reversing the charge of the {$99.00}. He additionally claims that the transaction C/C shows that XXXX was credited the funds. 
Prior to XXXX reporting this false / incorrect information to Experian they had not or still have not reached out to me in any manner about the said debt ... .after closing the account as well marking the balance as {$0.00}. See XXXX reports most recent or prior reports for Experian and or XXXX. 
I would like to request an audit on my XXXX file providing all documentation regarding this matter/account. 

XXXX XXXX, LA XXXX 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 explanation
Consumer complaint received 2015-04-14
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AZ XXXXTo whom it may concern, I bought my home in XXXX XXXX for {$260000.00} and put {$26000.00} down on it, with another XXXX cash put into home in upgrades. At the time I was salaried at 42k a year + OT. 
In XXXX of XXXX the company I worked for re-structured and I was let go along with many others. Little did I know that at the same time this happened the economy crashed. It was impossible to get hired again in my occupation as XXXX. While I was able to get a loan modification, it did not reduce the principle on the loan leaving me upside down on the note. Owing XXXX on a home worth around XXXX plus a XXXX mortgage of XXXX.I have stayed in my home determined to keep it regardless but got behind by XXXX payments back in XXXX. Since XXXX XXXX I have been in the same very stable position, but have not made enough to handle all the late fees from back payments. My mortgage is now XXXX of my take home pay and has made it difficult to make ends meet. Now another hardship of a family emergency with a parent that needed me. This has left me more than 3 months behind. I applied for a loan modification back in XXXX and was turned down by OCWEN. They said I did not make enough money. I applied for another loan modification with them, this time my mother paid my health insurance. OCWEN then said that I made too much money and did not need another modification. They said that they were a loan servicer and that they did not have the means to do a principle reduction. In short, I stayed in a home that has been underwater for most of the years that I have owned, put a lot of money into it. Loved my neighbors like family but am not able to get caught up on my payments and am sorely in need of a principle reduction /loan modification. 
Please let me know if there is anything you can do to help me. 

Most Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: Southwest Credit Systems, L.P.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Southwest credit XXXX are still hurting my credit even though I already paid it off and it 's been four months. I want this to get fix ASAP because it 's holding me back on purchasing necessities in my life.

Company response to consumer: Closed
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: NJ
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:
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX, XXXX, I opened an account with Huntington National Bank. I requested an account that do not charge any fees. Banker XXXX XXXX assured me the account he opened for me had not management fees involved. They provided me with their " Huntington Plus Checking Account '' which is free of charge. Since opening the account until XXXX XXXX no fees were charged. In XXXX XXXX, they started charging {$15.00} for checking accounts. I have not noticed the charge until XXXX XXXX. My account was charged {$160.00} in fees during the period between XXXX and XXXX XXXX. I approached a banker with last name XXXX at the XXXX XXXX XXXX XXXX branch ( XXXX ). She refunded {$40.00} but she said she needed authorization to refund the remaining {$120.00}. Then she modified the account and the fee was waived since XXXX XXXX. In XXXX XXXX, I asked her what happened with the additional refund. She told me that since the claim was that old, she was able to refund only {$40.00}. I need your assistance in this claim. The bank has not honored its promise and without notice, it starting charging the fee which I did not authorized. My account No. XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-12
Company: Atlanticus Services Corporation
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
The company Fortiva has provided misleading information when it comes to submitting online payments and their customer service is horrible. I normally pay all my credit cards online because I feel safer if I am able to submit an online payment. Every time i have tried to submit a payment online the website it always under maintenance no matter what time of day it is. Which leads me to believe that this method of payment is not available. This is very misleading as mentioned on the statement this is a method of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: SC
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:
The unverified account specified below continue to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to Equifax credit bureau last XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not confirm this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016, I had three credit card accounts with Bank of America. I was using the option of recurring payments with two of the accounts. The third account had zero balance. I always made all of my payments on time and I never had any issues with Bank of America. In XXXX 2016 I began receiving various letters from other creditors informing me that my accounts were either being closed or the credit limit amounts were being reduced. I could not understand what was happening because I always paid my bills on time and I had never had any issues with none of my credit card accounts. I finally found out that Bank of America had closed out all three accounts and reported that I had not made any payments for three months, all the while they were taking payments out of my checking accounts. When I contacted them, a representative said that the minimum amount had been raised on one of the accounts and that is why everything is showing non payment, when in fact they were still deducting money from my checking account. Bank of America has caused me great harm because of them my credit status with my previous credit card accounts are gone and I am considered as a credit risk. This is not fair because no one from Bank of America informed me of anything. No one called or sent me any statements telling me what the problem was. This was their mistake and they should be held accountable not me. Is this what happens when you make your payments on time and never have any issues? PLEASE 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 monetary relief