BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-05
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I signed up for Experian credit monitoring service. I had a score of XXXX on XXXX XXXX, 2016. When I logged in again on XXXX XXXX, 2016 just 6 days later, my score had dropped to XXXX a deficit of XXXX points ( XXXX-XXXX ). I have since called Experian over a dozen times to correct an obvious " glitch '' or what have you and they have failed to : assist, provide any feedback, and/or correct this! This is quite frankly ruining my life and future pursuits. Between XXXX XXXX and XXXX XXXX, there were no changes to any of my accounts to have prompted a XXXX points decrease. If anything, I continue to pay on my XXXX credit card account which should have prompted an increase NOT a decline. Whenever I call Experian, they apologize but are unwilling to help. I was given this ticket # : XXXX and was informed today that although my ticket was " escalated, '' it still has not been looked at. I am beyond livid and exhausted at this point. Each representative I have spoken with ( more than XXXX ) seems to not know what happened but are just so incompetent and unwilling to " go the extra mile '' to assist me with this.

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 2016-11-10
Company: ECMC GROUP, INC.
State: MI
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Social Security is allowing XXXX ( a collection agency ) to garnish my XXXX {$260.00} every month

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 2016-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
In 2013, I had a XXXX Credit card with Capital One Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Over the past several months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows I have a contractual obligation to pay Capital One. I have not received anything that I have requested and it is still listed on my credit report from all XXXX of the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Ditech Financial LLC
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
DiTech Financial ( DF ), formerly known as Green Tree Servicing, is reporting information on my credit report in direct opposition to an Stipulated Order for Permanent Injunction and Monetary Judgment ( XXXX ). I have contacted DF and sent them a copy of injunction. No action has taken place as far as removing the information from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called into my mortgage servicing company Ocwen Loan Service LLC as I usually do on my Friday ( my payday ) or Monday ( if there is carryover ) to pay the monthly amount due. I admit to behind on my payments, but pay the set amount monthly amount as to avoid foreclosure. I go through the automated system to avoid their incompetence, rudeness and lengthy processes which can easily eat up my entire lunch break. On Friday XXXX XXXX I made my monthly payment of {$600.00}. Not only did Ocwen drag their feet with processing that payment but 4 days later on Tuesday XXXX XXXX, they went into my account and withdrew additional funds WITHOUT my consent! I found this out when I made this month 's payment of {$600.00} and found an anonomous charge mentioned on their automated payment history breakdown. I called the company and inquired and was told that Ocwen took this amount out for an inspection charge where they have someone come by my property and make sure I am still a resident. Ocwen has a policy that before any late fees or additional charges accumulated can be paid off the initial back payments of monthly mortgage amounts due must be paid off first! Any amount that exceeds the {$600.00} will be held in " limbo '' and applied AFTER the back payments are made and not applied to the debt itself. Therefore Ocwen VIOLATED IT 'S OWN COMPANY POLICY! There is NOTHING on their website or paperwork stating that they can just pull money from my account for this purpose. I NEVER gave them authorization to pull this amount from my account! I RECORD EVER CALL I MAKE TO OCWEN WHETHER IT BE WITH A REPRESENTATIVE OR WHEN GOING THROUGH THE AUTOMATED SYSTEM MAKING PAYMENTS! I ARCHIVE ALL THESE MESSAGES. Ocwen WILL HAVE NO PHONE CALL on XXXX XXXX from me AT ALL! They went into my account ILLEGALLY! I have evidence NOT just of this but I caught them in past lies and the representative was warned and hung up on me when I revealed that they had lied! The amount was small but it 's the principle I am more than willing to FIGHT FOR! I alerted them yesterday that I will be filing a complaint and that I RECORD ALL THEIR EXCHANGES!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XXXX site said it is normally 20-35 % interest, but when loan documents arrived in mail, it stated 365.6258 % yearly. I was given {$3300.00} and so far I have paid {$3700.00} and they are demanding wage assignment to collets {$3700.00} in additional fees. Loan was made XXXX XXXX XXXX and is scheduled to complete XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
This was previously submitted and I received my XXXX control number meaning that you have received all of my articulate and lengthy response. My case number is XXXXfor some reason no matter how many times I have. Submitted my responses I am prevented by this website to proceed with the remainder of the form. If consumers can not submit serious issues. Through you site efficiently then we have no way to submit our very serious violations

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wired Funds to Ocwen on XXXX XXXX, funds previously wired credited properly with same information. Credit has been damaged due to Ocwen reporting base on their error. Unwilling to immediately correct situation which blocks my chance of refinancing and rates are going up. This error is now costing me money as rates rise and has lowered my credit score

Company response to consumer: Closed
Consumer complaint received 2016-09-11
Company: Tri-State Adjustments, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sent a notice to pay a {$60.00} debt to XXXX after my insurance company paid the remainder for a XXXX that I received. I went to the company 's website and immediately paid the debt on XXXX XXXX, 2016. I then received XXXX notices from XXXX expecting me pay the debt that had already been paid. I called the XXXX and they stated to me that they had not inputted the payment correctly and that it was taken care of. I then received a notice from a collections company stating that I owed them {$60.00} plus various late fees. I then called the company, and they stated that I had no balance. On XXXX XXXX, 2016, I received a notice from Tri-state Adjustments that I now owe them XXXX for a debt that was paid in XXXX. I was told to email them the digital receipt that I received from XXXX. I have done so on 3 occasions, but they have claimed each time that either they did not receive the email, or it was blank. I called XXXX to see if they would be able to resolve the issue, and they said that they were unable to because the company that they work with had already sold the debt. This appears to have happened before I even received notice of the debt in the mail as I called the day that I received the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage due to loosing my ex 's household income, I also was XXXX at the same time & lost my job. I have applied for a modification on serveral occasions with Ocwen, and they deny me every time stating that the " investor does n't allow a modification ''. My attorney found my mortgage papers and the investor XXXX XXXX XXXX trustee ) had a clause in the loan stating that the loan could not have a modification. I contacted the trustee, they said that the servicer can allow a modification, me servicer XXXX Ocwen XXXX still refuses to allow a modification. XXXX has turned me down because of the investors clause. My attorney has stated that a foreclosure judge can not order Ocwen to offer me a modification. that my only option is to file a BK XXXX if I want to save my home. I 've spoken with BK attorneys and even doing a bk XXXX, the monthly payments would be too high for me to afford. I am now working but had to take a lower pay because not a lot of companies will accommodate the time I need to take off for my XXXX needs

Company response to consumer: Closed
Consumer complaint received 2017-01-10
Company: Ray Klein, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I have a public record reporting on my credit report that the debt was not paid. I have a release settlement letter dated for XX/XX/XXXX that was paid and settled. It continues to appear on my credit report as a Judgement. I called a month ago and XXXX XXXX had the letter of settlement on file and as of today it is still on my Public report. I have been turned down for XXXX because they have not removed it. the reference number is XXXX. I have another XXXX on my public record for the same thing XXXX agencies also a medical debt that was satisfied in XX/XX/XXXX still showing on public record for XXXX XXXX and needs to be removed. the reference number for that is XXXX

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
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: CA
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:
I have been submiting dispute letters to the Credit Bureaus to update and correct the information being reported on my Credit Report. I have been awaintg for their reply and yet they have sent me nothing! I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, # XXXX, and # XXXX, and I'm including it again. 

1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT ED/XXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT ED/XXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Commonwealth is trying to collect a debt from me for XXXX XXXX XXXX XXXX. I contacted original creditor in 2014 and they sent a letter to Commonwealth that the debt did not belong to my SS # and to remove all debt from my acct. Commonwealth did so. However one year later they put the debt back on my account. I called them and told them it was a mistake, they agreed it was and told me to dispute it. I have disputed it but it keeps coming back on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Company did not give me the opportunity to dispute the debt they hold in my name. They placed the debt on my credit report 14 days after I received thier letter. I wrote them and told them I will be dealing only with the original creditor and that they need not contact me anymore unless they are taking legal action. I sent the letter certified and will provide the information if needed. I also said I dispute the amount and that was why I will only deal with the original creditor, which is my right, by law as I do not have a contract with Northeast, I also do not have one with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
We received a notice from Commonwealth Financial Systems ( CFS ) regarding an unpaid medical bill. Upon contacting the purported medical service provider and providing the original account number listed on the letter issued by CFS I was informed that no such account number existed. 

I contacted CFS and the employee identified himself as " XXXX XXXX ''. However, the name on the letter issued by CFS was " XXXX XXXX ''. 

Commonwealth Financial Systems lists the following address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I went through a credit consolidation company to reduce my debts, the program was to be be completed XX/XX/XXXX. Instead of closing my account with Capitol One, Capitol one took the payments that were issued to the agreed account, after it had a XXXX balance and applied them to my other card. The card that had payments placed to it was not in the consolidation and caused my account with the consolidation company to remain open, where I incurred service fees monthly. At no time was there any arrangement to pay on any other account, only the 1 that was listed in the consolidation contract. I feel strongly that this was a breech of contract with Cap.One and highly illegal. At no time did I approve my payments to go to any other account. The accounts, including one in my wifes name, were receiving payments. The consolidation loan was only in my name, so not only did Cap. One make payments that were directed to accounts not in the consolidation agreement they applied money to an account that was n't in my name. I have contacted cap one and their response was it is in their practice to take over payments and apply them to other cards. ABSOLUTELY NOT! That can not be legal. A consolidation company works with the debtors to drop interest and reduce the payments, the open accounts had not been included in this. Had this account been paid off my consolidation payments would have finished XX/XX/XXXX for all the companies in my debt consolidation. being that it was not, I had several months where my payments were being divided between Cap one and a separate debt. So not only did I pay out XXXX months of unnecessary service fees it lengthened my pay off to the other account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I discovered that my mortgage servicing company records indicate that I am ahead in mortgage payments. I never intended to " pay ahead '' but have paid money in excess of the minimum payment to be allocated against principal. I requested an audit of the account and for an accounting of payments made and the allocation of those payments since the servicing company bought the account from the original lender in order to validate that payments have been properly applied. They state that an accounting was sent to me and charged {$5.00} for this service ; however, no accounting has been received. I have requested the information be emailed to me. I have called on multiple occasions and written via the website internal messaging feature. To date, I have not received the information sought. My account information on the company website shows only minimum payments received and applied to the account. The website provides only the last XXXX months of payment information, despite a feature that purports to provide XXXX months of information. I want more than XXXX months of information but do not know exactly when they took over the loan. When I call, their automated answering mechanism does not recognize my SSN which sends me into circular query until I have exhausted all attempts. After this time wasting exercise in patience, I am connected to a human who indicates my SSN is properly associated with the account. I have notified the company XXXX of this problem. The customer service representatives are clearly reading a script, are not helpful, and refuse to transfer me to supervisory personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Fraud by my mortgage company - not complying with the Obama law about the mortgage and receiving false documents.I asked for copies of our taxes and received paperwork with my name with incorrect address. 
They have been increasing our escrow and I believe trying to cheat us all the time. When they gave us a loan mod there were stipulations which should not have been plus the principal was not reduced. We were under water and the house at the time was not worth what is owed, we have not moved and have had the same address for over 10 years. We never received documentation of them taking over our loan. 
We have asked them for original documents and they can not provide them. 
They always send some form of excuse. I am tired of every year they are always increasing our payment. 
They keep sending all these paper work with false documentation and no one is holding them accountable and I have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I Have a second mortgage that was sold to GREEN TREE/DITECH. This account was sold several times. IT IS XXXX XXXX XXXX XXXX ACCOUNT. Many of my payments went unreported. I asked for loan modification from Green Tree, they told me no. They did not give me any option but NO. Green Tree has tried everything they could to foreclose on my home. They put my number on auto dial which is robo calling. They call my phone many times a day. I have worked hard and paid my bills and my mortgage. The balance barely went down after paying all of the years that I have done so. This is wrong. Now I find out that Green Tree is Ditech. I am writing you for some type of justice with this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
OCWEN Mortgage company raised our percentage rate which resulted in a XXXX % increase in our mortgage payment per month. It is forcing our family to sell the home, potentially at a loss. What adds insult to injury, is that OCWEN claims that they notified us 30 days prior, but I check out mailbox every day, and we received the updated bill 16 days before the due date. How is a family of XXXX supposed to be able to survive with evil mortgage companies like OCWEN existing in this world? We originally signed our mortgage with XXXX XXXX who then sold our mortgage to INDY MAC who then sold it to OCWEN. For 10 years we have never had a missed or late payment. I blame all of the companies involved that is forcing us out of this home and holding our good credit rating at ransom. This is extortion in the modern age.

Company response to consumer: Closed