BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-02
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
they are wrongly seeking foreclosure judgement against me. the debt they are trying to collect was modified by our chapter XXXX bankruptcy plan. they were court ordered to modify the debt and are in contempt of court. they are trying to collect for fees and charges that they are forbidden from collecting by the provisions of our bankruptcy plan. I sent them several qualified written requests and proof of their errors but they will not correct my account. I provided their attorney with the modification, proof of all payments and court documents that prove we were not in default. The proof of claim that was submitted by XXXX Bank in our bankruptcy case has a different Note than the Note they 've presented in this case. They 're attempting to collect on the same debt with XXXX different Notes that they 've asserted to be the TRUE promissory Note. There 's only XXXX legal promissory Note. they have no case yet they continue to push through with their fraudulent documents. Furthermore, XXXX XXXX, an Ocwen representative signed an affidavit regarding the factual accuracy of our account despite Ocwen 's failure to do a Bankruptcy account reconciliation when we were granted a discharge. Ocwen did not do a bankruptcy account reconciliation until XXXX 2016, more than 2 years after they were legally required to.Their attorney, XXXX XXXX, submitted an affidavit declaring that he has " a continuing obligation to amend his affidavit in light of new discovered facts following its filing '' and certified the accuracy of the affidavits filed. However, he stated in the default hearing that he did n't read the modification agreement. The Agreement was attached as Exhibit A in my Answer. He also lied to the XXXX during the Summary Judgement Hearing that I missed due to a family emergency. He told the XXXX that he communicated with us but he never did, not once! he stated that they were willing to make loss mitigation or discovery efforts but they need participation from us. I gave him proof of everything, I have participated in every way possible! He lied several times to the XXXX because we were n't there to contradict him. they have misrepresented the amount of the debt, made false statements to collect on this debt, and seek to collect on a debt that their client has no legal right to. We were not in default. Ocwen 's unwillingness to correct my account as required by RESPA, the XXXX, and the FDCRA has subjected me to undue hardship and emotional distress!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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:
Transunion has placed another fraudulent medical charge on my account from XXXX for {$400.00}. I am unaware of this charge, the charge does not belong to me, and the charge is fraudulent. My identity and identification had been stolen and used for years, as I have reported to Transunion. Transunion is aware of my identity theft that I reported to them. I do not live in the state in which the charge was placed. I would like for Transunion to remove the {$400.00} charge. I have never had any dealings with the collections. The charge and account are fraudulent. Please remove from 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 2015-06-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Unethical billing practices, no resolution. I have counted over XXXX overdraft and/or NSF fees within 2 months. I have decided not to use Wells Fargo for anything and have chosen to discontinue my direct deposit due to them pretty much robbing me constantly. They give you a false account balance and also have payments come out sometimes a week later, when there are not enough available funds in the account to cover, resulting in numerous overdraft fees. They mistakingly charged me a few times and realized the mistake but other than that, they never want to resolve the issues. If the funds are unavailable in my account, why do they continue to let any bill payments or merchants charge me, they let the fee ( s ) go through, then they reject them all the while charging me a overdraft fee as well as NSF fee, this is ridiculous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Peoples Bank had an advertisement for a bonus for their checking account as well as a bonus for their savings account. I clicked the link for the bonus and signed up for the checking account and savings account. The terms for the checking bonus were " Get a {$300.00} bonus when you open an XXXX  XXXX  XXXX account when you receive qualifying direct deposits in the account totaling {$2500.00} or more within 60 days of account opening ''. The terms for the savings bonus were " Open a Savings or XXXX XXXX account & maintain a balance of at least {$10000.00} for 60 days and get an additional {$100.00} bonus ''. I opened up the XXXX XXXX XXXX  account and met the terms for the {$300.00} bonus and I have now received that bonus. However, I also opened up the XXXX  XXXX  account .and met the terms for the {$100.00} bonus. I should have been paid the {$100.00} bonus but I have not received the savings bonus payment as of now. Please credit me {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Big Picture Loans, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The loan agreement when I signed up for it was suppose to be paid once a month in the amount of {$140.00} and they are taking it every paycheck which is every two weeks, the other agreement when I applied was the pay back amount was going to be {$540.00} on a {$400.00} loan which is now closer to {$2000.00}. These are not the terms I had agreed to and they did not inform of such changes, I feel I was mislead and scammed, they completely changed the agreement and I 'm being told there is nothing I can do about it. Furthermore they say they are on tribal land so the laws do n't apply to them. The company is called Big Picture Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX ( XXXX  ), # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX XXXX XXXXXXXX, XXXX cardXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights and have inconsistent information being displayed on all 3 bureaus.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 section 1 : states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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 2015-09-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The reason I am making this complaint is because I was working with my Lender Ocwen Loan Servicing to get a Loan Modification, and I was approved for a Trial Payment and after I made my first payment I was advised by my account manager that I was Denied due that I had already got modified under a Government Modification and they can not do a XXXX modification under the same program. I am not satisfied with this denial and I have proof that I was not given a Government Program the first time I modified. I am a XXXX Loan but did not get a Government Loan. Now I am getting phone calls from my Account Manager XXXX XXXX and he has been trying to collect all my default payments in XXXX large payment or else I am getting foreclosed. He placed me into this Foreclosure status because he took months to get me a resolution, got me approved, then got me denied. I want my Trial Payment approval as they offer me and to correct what ever mistake they did to my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
-I switched cellphone carrier 's on XXXX.22 went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX -On XXXX.22 I received by last bill from XXXX in the amount of {$620.00} -what was concerning about the bill was that neither of the payments I had made on XXXX22 or XXXX.22 were annotated on the bill. 
-I contact XXXX spoke with a rep by the name of XXXX she asked detailed information about the payments and placed request to search for the payments the request # 's are as follows : XXXX & XXXX she stated that I would be notified by a XXXX about the request but I never was contacted. 
-In XXXX I received a bill from XXXX stated that I owed {$340.00}, also noted on the bill was the XXXX22 of {$280.00} but no mention of the XXXX.22 {$260.00} payment. 
-Then on XXXX.22 I received a collections notice form Convergent on behalf of XXXX stating that I owe {$340.00}. 
-To date I have not received any follow up from XXXX in regards to my XXXX22 payment of {$260.00} towards my XXXX account. Also when I logged in online on XXXX22 to make my last payment it showed a balance of {$280.00} which should have paid of the account then end of XXXX I began receiving bills that made no sense and my online account did not allow me to see all the billing. 

PLEASE SEE ALL ATTACHMENTS WITH THE XXXX BILLS AND MY PAYMENTS.

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 2022-05-20
Company: Exeter Finance Corp.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 usc 1681 section 602 states 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 response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2017 I deposited a check into my savings account with the understanding that there would be a hold to confirm if its a valid check. I deposited at the branch of People 's United Bank located in XXXX XXXX, CT on XXXX XXXX through the ATM. NO CASH WAS WITHDRAWN ON THIS ACCOUNT. I later received a direct deposit in my CHECKING account from my monthly annuity. On XX/XX/XXXX I received a letter from the bank with a photo of the company check drawn on a out of state bank telling me the account was closed so the check was not valid. On XX/XX/2017 I present to the branch and questioned why my CHECKING ACCOUNT was frozen and my debit card cancelled. The branch manager ; XXXX XXXX XXXX said it was a fraudulent check and their loss prevention department said close the accounts. XXXX XXXX relayed to me that I would not be able to open an account anywhere because I am now looked at as being a fraudulent depositor and it will be reported to XXXX. He advised me to go open another account at a different bank ( i.e ) XXXX XXXX before he closes the People 's Bank accounts. I asked him how can it be fraud if no funds were withdrawn and the purpose of my depositing the check into my savings was for the purpose of being classified as fraud. Today, XX/XX/2017 my funds into my checking account have not been released and i was refused to contact Loss-Prevention to further remedy this problem. 
I would like this matter to be resolved and not flagg as a fraudulent bank depositor and not report me to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Well in XXXX I filed chapter XXXX bankruptcy I believe my first payment started XXXX of XXXX and a correspondence I got from wells Fargo its stated that I was past due in XXXX all the way back from XXXX I ask Wells Fargo what happened to the {$1800.00} a month I paid to my chapter XXXX for almost 2 years considering they were my only creditor on my chapter XXXX they responded their documentation is correct so I requested payment history from the XXXX County Court Clerk 's Office and regards to payments made to Wells Fargo on my behalf I 've been went to XXXX which is a service provider for Wells Fargo and printed out payment history from XXXX of XXXX until current date which is XXXX XXXX XXXX when I entered in XXXX of XXXX XXXX XXXX the only payment they have recorded started in XXXX XXXX of XXXX although my bankruptcy payments started XXXX of XXXX so I added up each month from XXXX XXXX and in XXXX of XXXX the court sent Wells Fargo {$2600.00} and then in XXXX they sent them {$1300.00} then in XXXX they sent them {$870.00} and in XXXX {$380.00} XXXX XXXX {$3.00} and in XXXX {$1000.00} and in XXXX {$770.00} and then starting in XXXX in XXXX XXXX the courts sent them {$1500.00} and in XXXX {$1100.00} and then in XXXX {$1100.00} and in XXXX {$1100.00} and then in XXXX {$740.00} and then {$740.00} and then another payment came in XXXX of XXXX and it was only for {$7.00} so not only are several of the payments from XXXX not being reflected on my mortgage loan but all of XXXX payments are not being reflected on my balance or payments and then which I will provide documentation verifying those amounts from the courts and then payment statements from XXXX who is the service provider of Wells Fargo. Then amount I have paid and that is not reflecting on my pay history is not a small amount it is a very large amount and may be the reason Wells Fargo stated that my loan was due for XXXX payment in XXXX considering they did n't post over a years worth of payments from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 've been trying to reach and/or talk to someone at Ocwen Loan Servicing, and I can never get through to anyone. I 've left several voice messages to get my issue resolved and no one is wanting to help me ( no live person to talk, to about my case ), no call backs ( nothing ). In addition, my checks ( that I 've mailed monthly ) have never been received ( by Ocwen Loan Servicing ) although I 'm sending my payments. Ocwen Loan Servicing does n't want to cash my checks. My call goes to a XXXX number in XXXX ( which is a call center, where people are only reading scripts and not able to help ). I 'm about to loose my house and I do n't know what else to do, no one is wanting to help me. I need help and I do n't know what else to do, I want to put a complaint, because no one, wants to take ownership of my situation and no one cares if I loose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX ) XXXX Opened XX/XX/XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance - XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  XXXX ) XXXX Opened XX/XX/XXXX Balance {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Dynamic Recovery Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The Company DYNAMIC RS is reporting information on my credit that is not correct from what they are telling me that are the date of services that is showing on my credit is different than that of what they are telling me verbally. I was not notified by this company in writing before they put this information on my credit. Also this information that they are saying that I owed was removed off my credit reports from all the major credit bureaus but since they put different dates of services this is how they were able to get this put back on my credit. I ask them to remove this from my credit and they stated thAT THEY WILL REMOVE IT ... .I HAVE PHONE RECORDING OF THIS BUT NOTHING HAS HAPPENED AS OF YET.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: Fidelity National Information Services, Inc. (FNIS)
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:
To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again XXXX and their XXXX score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document XXXX states my XXXX score is 0, which is outside of the acceptable ranges ). To resolve this situation, I would like XXXX and XXXX  to immediately remedy their system problems so that my XXXX score is not shown as 0, send a copy of the credit report and XXXX score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. Put bluntly, the fax that the XXXX XXXX score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a XXXX score of 0 being given to financial institutions that are unable to process a 0 score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my XXXX score was presented as 0, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.

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 2015-09-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I recently executed a Deed in Lieu with Bayview Mortgage servicing ( XXXX XXXX had bought the loan from XXXX ). The date of the Deed was on, or about, XXXX/XXXX/15. I have heard nothing From the servicer or the Title Company since then and can not get them to record the document. 

I had kept the mortgage current for several years even though the property was " under water ''. By renting the home ; I was able to service the debt while still putting in additional cash. This situation became untenable when the loan became amortizing. I offered Bayview the opportunity to move the loan back to interest only and I would rent it and carry it for XXXX more years as the market recovered. They liked that plan but put my through the HAMP program. After months on information gathering, they determined the program was not available to me ... the reasons are still unknown to me. As the HAMP program only allows for interest rate reduction ( ( my rate was 2.75 % ) ; it did not provide me the relief needed to continue. The interest only model would have worked for both me and the Lender but I was told it was not allowed by the CFPB. 
Regardless, the best alternative for me was the Deed in Lieu, I am just looking for them to complete that process OR at least communicate with me.

Company response to consumer: Closed with explanation