BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
USAA sent me notifications that I had been paid due to them billing me incorrectly on closed credit card accounts. I called them to find out where this credit went. Every representative asks for money for a debt from a renters policy that was discharged under a bankruptcy XX/XX/XXXX. I want an audit of my account and them asking for money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: The Regional Adjustment Bureau, Incorporated
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get multiple daily phone calls from the number XXXX that are hang ups or messages left to call. After researching the number I found a website where many other people experienced the same treatment or worse from the company who makes these calls. It is a debt collection company whose name I have listed below. 
Regional Adjustment Bureau , Inc. 
Phone : ( XXXX ) XXXXXXXXFax : ( XXXX ) XXXXXXXXAddress : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXXI received my credit report only weeks ago and have no outstanding debt so I do n't know why I am being continually harassed daily by this company and how they are allowed to continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen has been misapplying my mortgage payments and then claiming that I am not making my payments, and, as such, have been notified of possible default. In XXXX 2015, they applied my mortgage payment to an escrow account to cover property taxes and homeowner 's insurance even though I was making timely payments and my account was not impounded. The biweekly program I have ( XXXX ) had a conference call with me and an Ocwen rep ; the XXXX rep told the Ocwen rep that they ( Ocwen ) had misapplied not only my funds, but also other customers '. This issue took many weeks to clear up, with almost daily phone calls from Ocwen. Recently, Ocwen took one of my mortgage payments to pay my homeowner 's insurance, even though I was paying it. XXXX has no record of having received such payment. Now, I find out that Ocwen returned my mortgage payment that had been sent by XXXX back to XXXX. I only found out because XXXX sent me a courtesy letter explaining that they had sent back the check to Ocwen. According to Ocwen, I am " behind '' two payments. This is the result of their error, not through any fault of mine. Also, approximately three weeks ago, i got a call from an Ocwen rep at XXXX XXXX. When I notified her of the time, she dismissed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
After 25 Years an account from XXXX showed up on my credit report with a zero balance but a past due amount of {$6000.00}. I am trying to refinance my house and would like it removed due to age and unfairness of reporting such an old debt. I have filed a dispute with Experian XXXX, but have not received any resolution as of yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 XXXX a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Integrity Solution Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This has been happening since last year and the calls were not as frequent last year as they have been at the beginning of this year. They 've been calling my phone hounding me everyday about a medical hospital bill that I owe and no matter how much I tell them to stop calling and I will pay on it when I have the money, they still keep calling. Sometimes more than once in a run of a day. It 's persistent and annoying. It 's gone beyond the point of phone harassment because I tell them to stop and they still keep doing it. I just paid them XXXX XXXX dollars on this medical bill they keep talking about and normally when you make a payment, the calls slow down, even if it 's just XXXX payment. But no. I make XXXX payment, they 're still calling my phone bothering me to make another payment when I already told them that I DO NOT HAVE THE MONEY. I do n't get paid much at my job and I said I 'll do what I could after my bills are paid. My more important bills are a XXXX of a lot more important than XXXX hospital bill. I 'm not about to go homeless just so they can stop calling me. I want them to stop. I made a payment online that was on the paper bill I received and they said they got it. If they got it, they need to stop calling me. Or I 'll have them sued for phone harassment. I understand they 're bill collectors and all but I 'm not made of money. If I do n't have it, then I do n't have it and I 'm not going to make promises on days saying I 'll pay it then because I know I wo n't be able to if something comes up. They want their money and they will get it but I do n't need them harassing my phone. So long as they got XXXX payment they should be happy and not annoying as XXXX. I want something to be done about this and if nothing is, I 'll just have the XXXX phone turned off and any new phone number I get, they will not be getting. I do n't need the sound of constant ringing in my ear from people who just want money. I do have a life and other things take top priority of it. It will get paid when I have the money. Simple as that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: EMBRACE HOME LOANS
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I filed a TILA rescission letter and the alleged creditor did not file a declatory action within 20 days. I have a state Judge that is ignoring TILA and continuing with the court case. Who enforces TILA? Thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi there, I actually completed a loan modification with IndyMac Mortgage XXXX, but shortly after my modification was approved and I started making payments, the loan was transferred over to Ocwen Loan Servicing. They did not accept the loan modification that IndyMac Mortgage XXXX has agreed on and instead raised my payment ( almost XXXX it ). I wanted to see if that was legal and if there are any options that could help me? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: First Associates Loan Servicing LLC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Peaks is unwilling to help me with my XXXX XXXX loan being unemployed and unable to make payments on my loan. They charged me {$60.00} in fees to bring me up to date but after refused to work with me any further demanding I pay. I have sent emails that have gone unanswered and receive phone calls that just ask me for money. I have exhausted my 6 month grace period not having a job. They know I am unemployed and currently unable to pay them back. Their lack of help will lead me to default and financial ruin for years to come.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The description provided is a brief explanation of what happened. I have attached copies of corresponsdence between Ocwen and I which outline the specifics of my claim along with supporting documentation. Please refer to the documentation for more details. 

Ocwen erroneously expedited my 10 year interest only loan by demanding that I make a full principal and interest payment as of XXXX XXXX, 2015. Not only did Ocwen 's claim violate the terms of the mortgage note agreement but their blatant disregard for their error is unethical and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
On XXXX XXXX, XXXX I refinanced my mortgage with Option One Mortgage Company in the amount of XXXX. Option One Mortgage became a defunct entity in the state of North Carolina in XXXX. On XXXX XXXX, XXXX I received a notice of foreclosure of deed of trust from XXXX XXXX. This notice stated that the present holder of the deed of trust is XXXX XXXX Bank XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX. There was no note attached to notice of hearing. On XX/XX/XXXX months after the notice of foreclosure an assignment of the mortgage from Option One Mortgage Corporation ( a defunct entity ) was assigned to XXXX XXXX Bank XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX. Although XXXX XXXX and XXXX require the servicing company to send a pre-foreclosure notice and notice information, the servicing company did not provide the notice before accelerating the loan on behalf of XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX before become the alleged holder of the note on XXXX XXXX, XXXX according the assignment recorded in the XXXX XXXX XXXX of deeds on XXXX XXXX, XXXX. The deed of trust signed by myself and my spouse clearly states that notice would be sent before the acceleration of the debt. The servicing company is attempting to have the property sold on Tuesday XXXX XXXX at XXXX when it knows that the 45 day pre-foreclosure/acceleration letter was not mailed as required by NC law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a call from a collections company about a past due bill in the amount of {$470.00}, as well as 3 letters stating the same, from Southwest Credit, a collections company. After discussing with them we found that it was for a new account with XXXX XXXX, a telecommunications company. We then called XXXX XXXX with the information and verified that we have not used their services, nor approve any use of the services under our name or credit. XXXX then informed us it was for service for an address in Texas, of which we have no affiliation. They then required that we fill out a form, downloaded from their website, and submit an FTC report on the situation. They also require past utility bills, statement notarized, proof of Identification, and to submit all info by mail or fax. 

I do think that it is very cumbersome and unprofessional that we have to prove it's not our debt, while they didn't have to do the same to verify the party involved. We didn't get an actual address or any names of anyone involved, only the collections company phone call and letter, and a brief discussion with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: BlueChip Financial
State: CA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Spotloan was the lenders i went with. I had to close my bank account beacuase spotloan charged me on the XXXX and not on the XXXX as I was expecting. They took more money then I could afford and left me XXXX in my account. I had to change banks. I also recieved a call stating they were going to take the remaining balance on the loan.So that they were insured it was gon na be paid. I also closed my account based on that. I 'm on XXXX and they asked that when I signed up and my payments were almost XXXX dollars a payment. It 's surely a scam. Please help me! Having to change banks has messed up both my XXXX and my sons XXXX checks and now I 'm stressed out and scared please help me!! I had also setup {$100.00} payments with them and they took XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I are veterans and have a VA XXXX year hybrid loan through XXXX Mortgage ( Formerly XXXX ), and their Loan Servicing agent is Ocwen Loan Servicing. We are not in Foreclosure and we are not XXXX days late, but because of the timing of my paydays we are often paying our mortgage beyond their XXXX day grace period each month. Promptly, on day XXXX, they begin a barrage of calls to our house, literally blowing up our house phone. My husband is a XXXXy XXXX and he has laid there and listened to them call, then hang up and immediately, auto-redial us repeatedly sometime XXXX times in a row at like XXXX in the morning. Today is XXXX XXXX, a Saturday, and we laid there and listened to our phone go off at XXXX this morning for about XXXX or XXXX minutes of the phone continuing to ring. This wakes up our kids and is disrupting my husband 's sleep. Even after we pay our bill we continue to receive collection phone calls for days after, even after repeatedly reminding them that we have paid. They have reported us late several time when we are not or when I have had trouble with their website, and even after filing disputes with the credit reporting agencies, the report remains unchanged by the credit reporting agencies. Now, our credit has been harmed and if we were to attempt to refi at this time, we would pay more based on our credit score. XXXX weeks ago we tried to get a refi quote from a lender, and I called the Ocwen customer service line, requesting a copy of our Adjustable Rate Note, for the loan application. The agent on the phone said it would that XXXX days to receive it in the mail-that was XXXX weeks ago and we still have not received our Adjustable Rate Note in the mail. VERY VERY POOR CUSTOMER SERVICE-AND PREDATORY COLLECTION PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: BlueChip Financial
State: DC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I 'm being harassed by a lender who both charged me fees/interest I did n't expect and also would n't stop charging my account despite calls/emails. I also have received threatening emails and calls, but no actual paper work despite appeals for information in writing. I also submitted a formal letter asking for information when i lost my job, but no information was provided.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in bancruptcy when my mortgage was sold back to Ocwen. They raised my payment which made me file for a modification. I was approved which also allowed me to end my Chapter XXXX. My modification was effective in XXXX 2015, my Chapter XXXX was dismissed in XXXX of 2015, and it has taken until XXXX of 2015 for them to straighten out the billing on their end. I have not been late but was still be reported as late. I was told that it would be corrected, however today I received notice from them that they were going to just " not report '' ( but already showing late ) for the time period of XXXX to XXXX and just report going forward. So was reported incorrectly while they did their clean up and now they are not going to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Husband lost job on XXXX XXXX, XXXX. Last payment made was XXXX XXXX. Unemployment ran out in XXXX. We moved to XXXX to find jobs near daughter. Home was on the market since XXXX XXXX and we were working with OCWEN for Short Sale. Husband obtained job in XXXX, XXXX, but payments were severely in arrears. We have had two offers on the property ; first buyer backed out, second is still waiting. We have submitted everything OCWEN asked for and they have confirmed the receipt of these documents. We are still waiting for an answer to our buyer 's offer. We were served with foreclosure paperwork XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Go Capital Holdings, LLC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Hi I finance a XXXX Chevy Tahoe with Go Fincial in AZ and the truck was paid in full XX/XX/2016, they have not reported truck paid I file complaint with XXXX and they have completed it saying it is correct. This is not true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been trying for months to clear out a medical debt that was sent to collections, with a service date of XXXX/XXXX/XXXX. I did n't know about it until XXXX when I could n't get credit and reviewed my credit report. The issue is that I was covered by Medicaid from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX, which I confirmed with XXXX XXXX, Director of the Office XXXX in the Department XXXX in XXXX XXXX. Her phone number is XXXX. Every other bill from that hospitalization was covered, so I 'm not sure how that fell through the cracks. My attempts to clear that debt have been unsuccessful because the collection agency claims that the debt is valid -- which is true, but it should have been covered by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: HW Holding, Inc
State: NC
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:
My lease was coming to an end at the XXXX. I submitted my 60 days notice 90 days ahead of time to then property manager. He honored the notice and filed it along with my lease information at that time. 30 days before my lease was up I get notice telling that my lease is up in 30days and I had n't submit any notice as to if I 'm renewing my lease or leaving. I then contact the rental office and told advised them that I had already turned in my noticed not to renew. I was then advised that the office staff is new including the manager but they would check everything and I could disregard the letter. They did contact me and informed me that they has my notice the next day. Upon move out day I was told I didnt have any balance and my account was clear and closed. But then 1 month following that I get a phone call telling me that I will need to pay for a prorated month and a whole month for the unit not being under another lease agreement upon me leaving. So there trying to make me pay the monies loss while they waited for another tents to rent the unit. When I refused to pay and cited that I submitted timely and proper documentation to be let out of my lease. That excused me for having to pay any loss monies for the unit being empty. They then stated that I would be sent to collections because of it. And now I have a account in collections with fraudulent charges all because this complex wanted me to pay for a unrented unit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Tri-State Adjustments, Inc.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Oxygen company failed to submit claim to insurance company in a timely manner. I asked for the company to pick up equipment they said they needed an order from the doctor. The doctor provided it and they ignored it. I finally took it to the company myself.

Company response to consumer: Closed with explanation