BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-10
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For over a year Ocwen Servicing has stated my loan was delinquent, I have repeatedly informed Ocwen that I have a cancelled check for the full mortgage payment for every month on this loan. I have sent certified letters with copies of the cancelled checks and made multiple phone calls. Their response has been to send Pre-Foreclosure letters starting in XXXX 2016, which I responded to. I received the exact same Pre-Foreclosure letter in XXXX ( new date on letter was the only change ), which I responded to requesting a In Person meeting ( per page XXXX of their letter ), I then received the exact same letter in XXXX ( with a new date ), which I responded to again asking for a In Person meeting, additionally I had my attorney send them a letter also. And I have again received the exact same letter, which I have again responded to asking for a In Person meeting. I dispute that I am in any way shape or form delinquent in my payments, I can ( and have ) provided copies of cancelled checks. ALL correspondence has been sent via certified mail, and I have the signed return receipts, so I know they have received the information. Ocwen is beyond frustrating to deal with, I have spent hundreds of dollars trying to get them to respond to me in a way other than a computer generated form letter, all because some where along the line, THEY have made a error with my payments, and now I can not get them to correct the issue or even acknowledge my correspondence. I am afraid they will find a way to escalate the process and cause further monetary damage - I have resorted to sending my monthly mortgage payment via certified mail so I have evidence it was sent to them in a timely manner HELP!.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: AmeriCash Holding LLC
State: TN
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I was in a accident and doctor bills and travel started mounting causing extra expense so I started a debt consoldation program but the advance company branch refuses to work with the debt consoliation company telling me they would turn me in to collections refusing to accept any payment from the consolidation company

Company response to consumer: Closed
Consumer complaint received 2020-10-06
Company: Peer Advisors, LLC
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband we did a reverse mortgage back in and XXXX or XXXX The company XXXX XXXX came to us we never wake looking for there they made us think it was a great deal they knew I was under the age meaning that XXXX and now I'm one of move my home because of this XXXX  movr me my husband XXXXI believe with XXXX XXXX  Reverse mortgage during that time my husband was over XXXX I was still in my early XXXX Then a new Reverse mortgage company XXXX  called Celink took over in XXXX or XXXX my husband passed away XX/XX/XXXX from that point they contact me I'm living in our home Me and our XXXX XXXX XXXX son and then that's when you know I'm receiving forms To be signed and notarized plus I had to get the XXXX  XXXX lean off the account which was already done the same day should have been removed would never was all this information which I sent it to them requested everything and they sent XXXX paperwork that had to be notarized and signed off I did all the next thing thrir wanted I know in XXXX their telling me that I was not approved a can not stay in my home unless I paid off the mortgage or short sale or Refinance so me and my son have to move on find something my credit is not the greatest but I'm living in my home and now the plan on for closure on my home and I don't have any help would trying to remain in my home XXXX XXXX XXXX XXXX  XXXX Virginia XXXX my telephone numbers XXXX I am paying the taxes and Insurance the insurance has been paid monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Just a little perspective for you : * It has been approximately 1530 days since my last mortgage payment on the property. 
* It has been approximately 1220 days since I informed the mortgage company ( GMAC, now bankrupt, then transferred to XXXX Bank ) of my intention to relinquish the property. 
* It has been approximately 1120 days since I moved out of the property. 
* It has been approximately 1020 days since I filed for bankruptcy and stated in my petition that my intention was to relinquish the property to the new mortgage company ( XXXX ). 
* It has been approximately 945 days since my bankruptcy was finalized and all of my debts were officially discharged including the mortgage on the property. 
* It has been approximately 640 days since the property was " winterized '' by the new mortgage holder. At this time, they changed the locks and I no longer had any access to the property. 
* It is my assertion that on the date the bank changed the locks, they effectively took over the maintenance, care, and responsibility for the property. Prior to that time, I had continued to maintain the property. After this time, I have done no maintenance or maintained the property as it is not accessible to me. I understand that the mortgage holder and/or HOA has been maintaining the property since the locks were changed. It is my assertion that this was on behalf of the mortgage company who took responsibility for the property back in XXXX of 2013. 
My frustration at the length of time it is taking for me to officially relinquish the property continues to grow. I believe the excessive length of this process has caused me undue stress and emotional damage not to mention the continued negative hit to my credit. It has affected my emotional and physical health negatively and impacted my work, my family, my self image and my relationships. The excessive length of time is cruel and unusual exceeding industry standards of acceptable practice. This current situation due to the length of this process is unjust and punitive. I have done all within my power to remedy the situation. What is my recourse? What do I need to do to resolve this and be given an opportunity to move on with my life?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I advised Ocwen that I received a loan modification approval with my XXXX lien holder. I called them for three days straight and they said I had to come up with the total due to reinstate loan, I expressed that I wished to modify as my first did and they said that it was too late that they had to have a package in 7 days prior to sale date. I found out that was untrue and that XXXX and XXXX are exempt from that rule. Had I been told the truth, I would have done everything I could to get a packet to them. The kept putting me on hold, saying they would try to escalate file and yet they did not and lied to me. I want the oppurtunity to stay in my home and continue with my modification trial months with my first and work out a modification with my XXXX yet the sold my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; COLLEGE XXXX/XXXX Date of Inquiry XX/XX/XXXX ; XXXX XXXX  Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XXXX/XXXX/XXXX ; XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Over the past several years, I have sent numerous letters to Central Financial Control in XXXX, XXXX requesting evidence of an unsubstantiated collection they placed on my Experian credit report. 

Central Financial Control has ignored every letter I have sent them. Although they have ignored my letters, they had no problem verifying the unsubstantiated collection when I have disputed the account with XXXX. 

I have reached out to the CFPB in the past. On XX/XX/XXXX, my story about Central Financial Control was published on the CFPB website and I see that it is still listed on your XXXX XXXX article. I was notified XX/XX/XXXX that the CFPB had taken action against Central Financial Control for failing to send debt validation notices and for failing to respond to consumer disputes. I was told that consumers who have been mistreated by Central Financial Control would be identified per the order by the CFPB. I was also by the CFPB that I would finally receive a response to the many letters that I have sent over the years. This has not happened and it 's been over a year now since the CFPB took action against Central Financial Control. 

I sent my letters via certified mail so I have proof they were received. I can provide the CFPB with all the documentation I have kept which includes certified letter receipts, credit report disputes with XXXX and proof that Central Financial Control verified with XXXX while never responding to me. Because this has gone on so long now, I have filed complaints with the FTC, and the Attorney General of XXXX and XXXX. 

Using credit reporting as a tool to collect an unverified debt is very unfair treatment. Nobody should have to find out that they have been accused of owing an alleged debt by finding it on their credit reports. It 's so embarrassing because I pride myself on paying all of my bills in a timely manner. Other than Central Financial Control, my XXXX credit report is perfect. 

Put yourself in my position for one second and think about how you would feel if you had spent your entire life working hard and paying your debts and then reviewing your credit report and finding out that you are being accused of owing a debt that you were never notified of. It is a horrible feeling that I can not properly describe. I feel that I have been more than patient. My prayer is that this horrible situation can be handled in a quick and civil manner.

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 2020-10-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To whom it may concern, I XXXX XXXX is stating on 2019 I hired XXXX XXXX  and XXXX XXXX The lawyers name was XXXX XXXX XXXX my actions was to get my finance together with payment 's paid to the creditors every month but the payment arrangements was not livable and none the paper work was filed to the creditors paid the company XXXX $ fired them for non-compliance asked for a refund never got it. WE never went thru the whole process of the bankruptcy I never went to court to finalize .I got a dismissal letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My complaint is genuine. I 've sent in a forbearance payment which was XXXX dollars for XXXX signature loans to this cover up XXXX XXXX now Navient student loan company. Some staff member did not follow through what was submitted. I 've contacted the better bureau business about the company as well. The Navient feedback was a fraudulent submission. As as of now they did n't keep they word regarding the terms and conditions which were complied in the letter. They continue to call everyday using fraudulent out of state numbers which is very harassing after the company knows I am unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have asked for Bank of America to provide me with a copy of the authorization agreement to prove I requested the account to be opened in my name. They have n't sent anything but billing statements which do not legally prove I requested the alleged account to be opened in my name and a letter I will attach.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Southwest Credit Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i created this debt along time ago at least 8 years ago an i would like you help on cleaning it up an stop the harassing call from collections ageny

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-04-28
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I revived a letter from : Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX, TX XXXX stating that I had a balance due to XXXX. This was news to me since I have n't had a XXXX XXXX account in 4 years. 

I wrote a letter asking them to validate the debt with no response. 

I then discovered they have reported me to XXXX credit reporting agencies and my scores have dropped XXXX-XXXX points. 

I do n't know these people and I have since sent a second letter with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: WI
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:
My entire federal and state tax refund was taken for the amount of {$5000.00} for my student loans in the year 2018. There is absolutely no record of this on your end of any payment what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Drew Eckl & Farnham, LLP
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I spoke with XXXX XXXX of the Drew Eckl & Farnham firm on XXXX the XXXX. I asked for a debt validation that day through email. I reached out again on the XXXX of XXXX requesting the debt validation. He could not provide the validation either day. 

I reached out again to the XXXX XXXX firm on XXXX the XXXX of 2017 requesting it again and they could not produce a validation of debt. 

I then called/email XXXX XXXX on the XXXX the XXXX of 2017and was cc 'd on an email with XXXX XXXX and XXXX XXXX to produce the debt validation and they could not provide that for me. 

I called XXXX XXXX and XXXX XXXX of XXXX XXXX of 2017 and they refused to send me any debt validation. 

They continue to report the debt to the credit bureau agents and continue to request payment but have refused to send any validation of debt over a span of 3 months and a total of 5 requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: HW Holding, Inc
State: CO
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:
Please help assist us, an apartment complex is collecting a debt client does not feel he owes. After further research client had electric in his name and was turned off. We have attached the supporting documents. The apartment complex states they do not own the debt as Hunter Warfield now owns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Case number : XXXX ] Please except my apology for not using my account log in, However I could not Log in to follow up on the status of my previous complaint. 
There is essential information regarding my residence, After meeting with a new attorney located within the XXXX XXXX County Court House to request Legal assistance with filing an appeal decision to the Judge deciding with my current lender " Ocwen '' for thier unfair lending practices. It discovered y and my families case ; was the first case the judge resided over andour case was extremely complicated!!! We are still residing with our home after a period of # 2 years which was a result of vigorous fighting on our part to prove Ocwens mishandling of our Mortgage. Following our last attended court date which happens to be # XXXX of only # XXXX in a period of # 2 years the Judge stated he would render his decision in # 28 days. To our astonishment we received notice from our former attorney, the judge closed our case and sided with our lender without ever looking into the documented legal history of this servicing company within only one week interim. I am submitting this information due to the appeal timing and under duress of only # 2 day 's remaining before we loose all rights and Ownership of our property. We feel due diligence within the discovery process has not been served and Due process has not been considered, Ocwen has received and are currently receiving more complaints daily than all other servicing companies combined!!! I would appreciate your assistance in this most important matter. ( without rendering legal assistance ) understood. My Congressman XXXX office personnel are assisting my family as well / I was referred to your agency via their assistance! THANK YOU FOR YOUR CONSIDERATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: MNE Services, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I do not have a loan with this company and I received this email todayNotice For XXXX XXXXXXXX XXXX ( XXXXXXXXXXXX ) Add to contacts XXXX Keep this message at the top of your inboxXXXXXXXXXXXXXXXXXXXXCASE FILE # :XXXXXXXXLOAN INFORMATIONDUE AMOUNT- $ XXXXXXXXLOAN COMPANY- USA FAST CASHYou are going to be legally prosecuted in the Court House withincouple of days.. Your SSN is put on hold by US Government, so beforesomething goes wrong we would like to notify you about this matter. Itseems apparent that you have chosen to ignore all our efforts tocontact you in order to resolve your debt with Payday Services. Atthis point you have made your intentions clear and leave us no choicebut to protect our interest in this matter.? 


XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONSAGAINST YOU UNDER THE DEBT COLLECTION PRACTICES Act, SECTION XXXX AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFERNow, this means few things for you. If you are under any stateprobation or payroll we need you to inform your superior or managerwhat you have done in the past and what would be the consequences oncethe case has been downloaded and executed in your name. If we do nothear from you within XXXX hours of the date on this letter, we will becompelled to seek legal representation from our in-house attorney. Wereserve the right to commence litigation for intent to commit wirefraud under the pretense of refusing to repay a debt committed to, byuse of the internet. In addition we reserve the right to seek recoveryfor the balance due, as well as legal fees and any court costincurred. 


WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYMENTAND BANK ABOUT FRAUD. 


And once you found guilty into the court house than you have to bearthe entire cost for this law suit {$5400.00} which is excluding loanamount, attorney 's fees, and the interest charges. You have the rightto hire an attorney. If you do n't have one or if you ca n't afford thenone will be appointed to you. We believe that this was not your intentand that these steps are unnecessary. We merely require you to contactour recovery asset location department at XXXX between XXXXXXXXto XXXX ( EST ). 


IF YOU HAVE ANY QUESTION OR QUERIES PLEASE FEEL FREE TO CALL US BETWEEN WORKING HOURSON : XXXXXXXXUSA.FAST CASHLEGAL GROUP OF ATTORNEYSXXXXXXXXCopyright ( C ) XX/XX/XXXX - XX/XX/XXXX USA.FAST CASH | Privacy | Terms of use ( C ) XX/XX/XXXX XXXX Terms Privacy & cookies Developers English ( United States )

Company response to consumer: Closed with explanation