BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been informed from Ocwen 's Ombudsman office that Ocwen 's legal counsel, XXXX XXXX, has advised Ocwen not to speak to me about my account. I have filed complaints against Ocwen through the CFPB portal because of servicing misconduct and fraudulent activities that are being used to wrongfully foreclose on our primary residence. The Consumer Account Analyst, XXXX XXXX, from the Ombudsman office stated in one of her responses to my complaint, that I could call her if I had any questions regarding her response to my compliant. When I called to speak to her, she advised me she was unable to speak to me regarding my account and she has failed to thoroughly research my complaints and concerns regarding the fraudulent documents produced to wrongfully foreclosure on our primary residence. She just simply attaches a response from their legal counsel from XXXX XXXX, XXXX instead of thoroughly researching my complaint as she claims to do. In her last response to my latest complaint filed, she has directed me to address any questions or concerns regarding my account to XXXX XXXX. I am not really sure how this firm can address the concerns raised when XXXX XXXX is the reason behind my concerns. XXXX XXXX is the firm that produced to us an allonge in XX/XX/XXXX that was unstamped during the discovery phase of our lawsuit. Then XXXX XXXX provided a stamped allonge months later. XXXX XXXX is also making a false claim that I was presented with the original loan documents during my deposition and did not deny that it contained my signature. That statement is absolutely false. I stated in my deposition that the signature appeared to be computer generated and did not appear to be my original signature. The attorney for XXXX XXXX continued to badger me when I made this statement and was trying to force me to admit to it being my signature. We filed a lawsuit against XXXX in XXXX XXXX because of their servicing misconduct activities being done against our primary property. This lawsuit is now closed and Ocwen should be able to speak to me directly involving any unresolved issues or concerns I have about my account. My relationship manager, XXXX, XXXX XXXX, has also advised me that he is unable to discuss my account with me. As part of the Ocwen National Servicing Settlement Agreement, I am to be assigned a single point of contact. What is the point of having a single point of contact to ask questions about my account, when they have been unable to speak to me about my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I previously owned property which carried two mortgages. The property went into foreclosure and was sold. OCWEN was the holder of the second mortgage. OCWEN is showing a " charge off status '' on the property, which is reflected on my credit, continuing to severely damage my credit. OCWEN has advised that they require a copy of the " Trustee 's Deed Upon Sale dated XX/XX/XXXX '' and that OCWEN never received one. My Attorney has forwarded the document to OCWEN multiple times, beginning on XX/XX/XXXX, but OCWEN has not acknowledged receipt nor advised my Attorney or me, that the " charge off status '' on my credit report has been removed and my credit amended to reflect the XX/XX/XXXX date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have several problems to report with Ocwen Loan Servicing : I was laid off XX/XX/XXXX. I got in touch with Ocwen and applied for Mortgage assistance. After reviewing my application, Ocwen recommended a Trial modification forbearance plan, whereby my mortgage payments would be reduced to {$600.00}, due on the XXXX of the month, beginning XX/XX/XXXX and ending on XX/XX/XXXX. I made all payments on time as agreed to by Ocwen and myself. This program was recommended and sanctioned by Ocwen, yet they reported these payments as being late to XXXX, XXXX, XXXX, and XXXX credit agencies. Rather than offering a helpful solution, Ocwen has done long term damage to my credit rating. I am still working with credit agencies and Ocwen to resolve this dispute. 

I have not been able to find work in my field so I reapplied for a Loan Modification through Ocwen on XX/XX/XXXX. I meet the following eligibility requirements for HAMP loan modification : XXXX lien -Loan originated before XX/XX/XXXX -Primary residence -Property is XXXX unit and principal is below {$720000.00} -No previous HAMP modification -Payments exceed XXXX % of monthly income -The only criterion I do not meet is that the loan is not delinquent, however, considering my situation loan default is reasonably foreseeable. 

Ocwen called me on Friday, XX/XX/XXXX to tell me my application for assistance was denied. When I asked why I was denied, the caller said, " because the account is n't delinquent. '' I asked for more information or alternatives and was offered none. I have not received detailed information on why my application was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
ZOMBIE TITLE Ocwen/Property Tax Liens City of XXXX XXXX XXXX XXXX XXXX Pa Hud was the undersigned of above property XX/XX/XXXX-XX/XX/XXXX They sold homes to Ocwen. From XX/XX/XXXX-XX/XX/XXXX Ocwen wanted to foreclose. Ocwen lost 6 months of mortgage payment cashed the checks but never credited the account. We fell one month behind. Ocwen wanted 2 months then XXXX % of the balance of the mortgage in only 4 months Unserved court dockets led to XXXX judgement ( XX/XX/XXXX ) House went to sheriff sale 3 times XXXX and No Sale! When home was purchased XX/XX/XXXX HUD Inspected. And failed to release information of settlement damage report XXXX XXXX & I XXXX Row house was build on creek and filled with debris from past property XXXX. My husband myself and XXXX minor children moved out XX/XX/XXXX when Ocwens lawyer issued document of eviction. HUD stated Ocwen was foreclosing to move out. XX/XX/XXXX Ocwen sent a realtor to collect keys sign paper to exit cleaned home Payment was {$500.00}. Also locks were changed and property appraised Damage from settlement was {$35000.00} on a {$29000.00} loan Ocwen boarded up home XXXX Never transferred the deed/title on the property. Squatters moved in XX/XX/XXXX used our names lived there XXXX House was stripped of all metals pipes wall busted out to get the pipes. Major ID Theft case to date from squatters. Home deemed unsafe risk of collapse XX/XX/XXXX was demolished XX/XX/XXXX City of XXXX has 16yrs of unpaid property taxes on " Zombie Title '' I found XXXX liens on city of XXXX court site. All signed by administrated Judge that was my x-fired lawyer due to misrepresentation and conflict of interest. We lost everything and are XXXX living with my XXXXyr old Mother. Property is vacant land! It did n't sell in sheriff sale when it had a home on it! Taxes are over {$22000.00} with some years showing errors in which the tax penalty is {$200.00} more then the orginal taxes! No lawyer wanted this case! Most likely due to my x lawyer being a Judge Now he is a PA State Supreme newly elected Judge City of XXXX lost all documents on property

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WV
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I found a deal on craigslist for a vehicle and and contacted the supposed seller. She ( or whoever ) sent me a text message asking for my email address so they could send me more info and pics on the vehicle. I did. She sent me info and a link to pics of the vehicle. She then told me she was in the military and that she needed to sell her vehicle asap. She said she was using XXXX as a third party so everything would be covered. I stayed in contact with her until I did the money gram and then she would n't reply to my emails. Also I got the invoice from XXXX and thats where the info to wire the money was at. I figured out it was a scam when I received an XXXX invoice for another vehicle but did n't have my name on it. It was being sold to another person. The address was the same for the seller but different names. Also I contacted XXXX and they have no record and do not sell vehicles, but I did report all the info on the names and supposed people invovled. My money was wire to XXXX state but picked up in another and I do n't understand that. I would love to get my money back but I know that wo n't happen but I would also like for this not to happen to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit management company has called multiple times in the past 3 weeks alleging that I owe money ( apprx. {$300.00} XXXX to XXXX. When I inform them that I do not have a XXXX account they ask me for the last XXXX of my soc. # to 'verify the account '. I refused and said you give me the last XXXX digits, and I will tell you if you have the right person. They said they could n't do that. They said well perhaps it 's identity theft and we need to verify that. They said have you ever lived on XXXX, and I told them no. I told them I would run a credit report to see if I had any fraudulent information and to stop calling me or I would inform the attorney general of Michigan. They have called back 3 more times, and I have put a block on my phone for their number. I ran XXXX credit reports and there is no XXXX account or any other suspicious activity. The number they are calling from is XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-14
Company: TCF NATIONAL BANK
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
We have a car loan with Gateway One Lending and Finance. Due to our financial situation, we pay late almost every month, not 30 days late but late. Gateway will call me. I explain that they payment has been scheduled with our bank bill pay system, the date it will leave our bank and how much the payment is. They will take the information, thank me and advise that they will follow up. The next day, they will start calling at XXXX. They will call me, my husband, my work, my parents and email me multiple times. If they speak to anyone other than me, they claim they have never spoken to me, have been trying to reach me for weeks or claim that I promised they would have received payment already when that is not the case. One month after we had switched bank I tried to make a payment on their site and entered the info wrong so it was returned. I spoke to them and explained it was my error, and that my bank bill pay would send the money in the next day. They told me someone was on the way to repossess my car and the only way to stop it was to make a payment with them on the phone immediately. They also said they could not accept bill pay from banks so any payment sent that way would take weeks to post ( It takes 3 days at most ). Almost everyone that we speak to is incredibly rude.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: MT
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 previous dispute because all of my student loans with XXXX XXXX are paid off. They removed all but XXXX of the student loans. I have notified them and also the credit reporting agencies and XXXX XXXX still won't remove the balance and report the loan as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have delinquent mortgage that is being serviced by M & T Bank ( " M & T '' ). M & T placed forced insurance on the underlying property. An insurance claim was filed by me and XXXX checks sent to me with certain specific instructions from M & T as to how the insurance funds would be disbursed ( i.e., M & T wanted a proposal from a contractor, a lien waiver from the contractor, a contractor 's license as well as a signature on teh XXXX checks and an endorsement to M & T of the checks ). All documentation M & T requested was forwarded to them with the XXXX endorsed checks ( XXXX check for $ {$990.00} and aonther for approximately {$5900.00} ). Funds were expended by me for the repairs in order to protect the property ( a rof that leaked very badly and thast was causing additional dmage to the subject property ) and reliance on M & T 's representation that a " reimbursement '' would be forthcoming. After the checks were endorsed to M & T ( each check was written to both myself and M & T ) and forwarded to M & T they refused to pay the claim, notwithstanding significant documentation sent from M & T to me indicating that the insurance would be applied toward the claim if certain procedures were followed, which I did follow. 
As a second part to M & T acting in bad faith, they separately provide ( not in insurance documentation ) a letter on their letterhead ( not part of the forced insurance ) called an '' Acknowlegment of Term '' and thereafter indicated to me because I signed said document, and that because the insurance was paid by them and the loan was seriously delinquent and/or in foreclosure that " M & T could apply any and all insurance proceeds related to the subject property to the delinquent mortgage, as they saw fit. 
I indicated to M & T that I did not sign an " acknowledgment of terms '' upon which they used that fact to deny reimbursement to me for the insurance claim. Thereafter, a manager at M & T ( XXXX XXXX ) was put on the call where I informed him that the phone call, which he was recording, was going to be used for purposes of litigation, as well as several prior calls where M & Tindicated that they " did not have to pay over the endorsed insurance checks under any circumstance '', again, " since the property was in foreclosure ''. I thereafter indicated to M & T that I was filing a complaint with the CFPB and that I was an attorney and was filing a lawsuit against them and that this issue was ripe for a class action. I find it highly likely that M & T is doing that to many borrowers in default and are doing so in contravention to the documentation being sent to the consumer, XXXX various " red herring '' excuses not to pay over the claim but to apply the insurance funds toward the delinquent mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This CFPB complaint is a follow-up to the one I previously filed with the agency. I wrote to the credit bureaus on XX/XX/XXXX, asking them to delete the following fraudulent accounts and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX ; that I DO NOT KNOW. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit reporting agencies are obligated to erase and ban any accounts and information not later than 4 business days after XX/XX/XXXX. I ask that you kindly comply with this requirement. I have mentioned this in complaints # XXXX, # XXXX, and # XXXX and I'm including it again now.

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 2017-03-20
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I, XXXX XXXX believe that all my mortgage payments made to M & T Bank on a mortgage I had with my brother since XX/XX/XXXX was paid perfectly by direct withdrawal from my checking account. In XX/XX/XXXX, we sold the property and a copy of the HUD-1 is attached. However, M7T Bank shows a 30-day late payment for XX/XX/XXXX, that should be corrected. I believe that the credit reporting system works, but sometimes mistakes are made. I have disputed this late payment and M & T Bank has not responded to my satisfaction. Accordingly, I respectfully request a review through the Consumer Financial Protection Bureau to rectify this matter. The 30-day late payment should be removed with every credit reporting agency.

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 2022-08-04
Company: EQUIFAX, INC.
State: AZ
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 in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: ClosingMark Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was working with XXXX XXXX from Pacific Financial Corporation on a refinance of my home. At a certain point he wrote an e-mail to me indicating my loan was approved. He said all I had to do was get an appraisal ( and have it appraise sufficiently high ). I wrote back clarifying that the loan was for a 30 year XXXX fixed with {$2400.00} in closing costs. He said yes and indicated the loan was definitely approved. To be extra clear, I indicated to only proceed with the appraisal if we definitely got the loan at the above rate. After the appraisal went fine, he said we would " close on Monday. '' On that Monday, he sent me another e-mail indicating my closing costs would go from {$750.00} to {$15000.00} ( but he encouraged me to just do it ). I was angry. He said he would re-imburse me for the appraisal over the phone. And then he stopped returning my phone calls. This is predatory fish and bait lending. He lied a number of times. It has been quite a blow to my family.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from SYNERPRISE CONSULTING SVS INC -XXXX, Get more information on collections acco I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Synerprise Consulting in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: FL
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 am interested in disputing all inaccuracies on my credit report with Experian.

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