BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have auto pay on my car with Wells Fargo Bank. In XXXX 2015 the payment returned for NSF. WFB ( wells Fargo Bank ) continued my auto draft but every month charged me late fees more over WFB reported me late to the credit bureau. 
I would like all the late fees to reversed and the reporting to credit bureau to be corrected. I was not late for eight months! also WFB must correct all that practice for all the consumers.

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 2016-05-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX account and XXXX card accounts were deleted last month and readied at the end of the month. The XXXX balance was wrong also and creditor agreed to remove from report. XXXX card account is Fruad.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX I went into Navy Federal Credit Union to cash a third party check through my Navy Federal account. Prior to going Navy Federal I contacted the company via telephone to make sure I would be able to cash the check and was told that I could. Once at the bank the story changed and I made a fuss about the misinformation. The days to follow I attempted to use my atm card only to find my account was restricted. I continued to bank with NFCU and in XX/XX/XXXX they took about {$3000.00} from a direct deposit to be posted to my account in my sister 's name, who owed the money to me and owed NFCU as well. I was not notified that my account was being restricted in XX/XX/XXXX or why it was restricted ; nor was I aware that it was legal to take money from a member 's account because the money was owed by another member.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-11
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
To start, I have repeatedly asked Wells Fargo reps to opt me out of overdraft protection ( as I had been repeatedly enrolled into it automatically ). This finally happened last year when I was told that occasionally charges would still go through ( due to " systemic '' issues ), and if that were to happen, I should come into the branch to get any overdraft charges reversed. This happened once on XXXX, three times on XXXX, and twice on XXXX. I went into the bank to get these overdraft charges reversed and was told something new, that overdraft protection only applies to charges that are made from my debit/credit card and not to charges routed through the bank account like checks. Since the charges were made from my XXXX card, which routes through my bank account, my account was overdrawn. Additionally, after Wells Fargo initially approved the charges ( against what I had been told would happen ), they then cancelled the payment the following day. When I asked why the bank first approved the payment and then cancelled it, I was told by a rep that Wells Fargo " tries to be helpful '' by " giving me until the end of the day to cover the cost of the charge. '' When I said that first approving the charge and then cancelling it was not helpful ( I would have no reason to put money into the account if it is not supposed to be overdrawn, and in this case I was not notified that an overdraft charge was approved until the next day ) I was told, " That is how banks work. '' When I pressed on this issue, and asked why does n't this bank just not approve charges if there is no money in the account, I was told " That is just not Wells Fargo 's policy. '' It got even worse from here - after Wells Fargo initially approved and then cancelled the payment, XXXX ran the same XXXX transactions, which were again approved, again incurred fees, and again cancelled at the end of the day. This racked up a total of {$350.00} in overdraft fees, only half of which the bank reversed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This deals with case # XXXX, in it i stated that Wells Fargo bank had called me to collect a debt I did not owe. This was in XXXX, they called even though I had told them XXXX10 months before that I did not owe them anything. they investigated and found that I was right. they promised to pay me the {$1500.00} fee for this infraction of the do not call registry on which I am enrolled.. This was told to me by XXXX XXXX, thier research and remediation manager, I was sent an agreement letter and a tax info sheet to sign and fax back. This I did on XXXX XXXX at XXXX. i have confirmation from Wells fargo it was received. I was told I would receive a check within 10 DAYS, NOT business days, 10 days period, that was yesterday the XXXX. I have not received the check and XXXX XXXX will not return my calls, this means they are in breach of the agreement and are throwing the rules in yuor face and mine, as they have violated the law and believe that they are above it I think they owe me another {$1500.00} and owe you an apology.

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 2016-10-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Ocwen removed remarks from the optional remarks section of my credit reports and my scores went up. Today I received a notice from XXXX XXXX that Ocwen was once again adding the score lowering remark. 
This is blatant credit score manipulation. Ocwen is engaging in tactics far more damaging than XXXX XXXX ever imagined possible. Please investigate this ongoing credit score manipulation which allows Ocwen to trap homeowners, force them to remain with Ocwen rather than refinance at better rates via credit score manipulation. 
My credit score drops every time Ocwen does this and they do it every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried repeatedly to obtain a mortgage modification from Ocwen, my mortgage servicing company. They have never offered any reduction in principal, have done their appraisal on the wrong house, and have denied me with no reason given. This is a short version of the ongoing ordeal. Giving up on a modification, I have been trying to do a Deed in Lieu for the last 9 months, with them dangling the promise of a relocation fee. They have delayed and goven me erroneous info over and over again, and have already forced me to reapply once because time had expired, even though the delay was due to actions on their part. Now a further reapply is about to occur, again because of erroneous info provided by them. It is maddening to deal with this company. I am certainly at fault for being behind in my payments on my mortgage, but it is them who have caused me to be so far behind with fees and charges and months and months and months of applying and being rejected for program after program, often with no reason given, and based on erroneous info provided by them. I have no idea if they are proceeding with foreclosure or not. I just want to resolve this issue. It is driving me crazy dealing with these incompetent, inconsistent people. One person tells me one thing and another tells me something else. Please help me if you can and tell me what I can do to deal with Ocwen and resolve the status of my home. This is certainly a short version of what has gone on over the last 3 years. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I got an email stating my account had been closed due to an overdraft. I set up direct deposit at my job and it was never processed correctly. I never used my card for anything except for the money I deposited and used. I contact wells fargo several times and no one listened or responded to my claim. I was in the hospital from XXXX Fighting for my life from XXXX. I didn't reach out at that time because I was unable. My account being closed has caused me to struggle. 

Account ending in 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 explanation
Consumer complaint received 2016-01-23
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I entered into a mortgage modifaction with ocwen mortgage thank took several months to get after hundreds of phone calls and sending information that they required for the mod several times. I entered into the mod that was to begin in XXXX of XXXX. I was told to have an amount of money in the bank by fed of XXXX that they were going to withdraw on or before XXXX XXXX XXXX in witch they did. then the agreement was to begin making my need discounted payments in XXXX of XXXX. I made all my payments on line and on XXXX of XXXX it would n't allow me to so I called them and I was told by them that my mod was cancelled for not making the down payment I was to make in XXXX. So I told them at that time that I did make the payment and you took it out of my account on XXXX XXXX XXXX. They told me that I was not in the modifaction till XXXX XXXX so that is did n't count for that and they used that for back payments. At that point I could no longer trust or make any other deals with ocwen. I have made hundreds of calls to them that goes direct to XXXX and you can not understand any of them. In XXXX they pad locked me out of my home and still have not forclosed on his home and are every month reporting to my credit for not paying. I have all documents showing that I did everything I was told to do door this modifations including all bank withdraws contracts showing all the dated and a letter from them stating why the mod was cancelled. They have no right to stop this mod and are now holding my credit hostage and are still calling me to enter into another mod

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: UMPQUA HOLDINGS CORPORATION
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
*I was a XXXX XXXX under my company ( XXXX ) when got in agreement with another XXXX ( XXXX XXXX ) to buy from him XXXX trucks ( XXXX XXXX XXXX & XXXX XXXX XXXX ). 
* I contacted " XXXX XXXX XXXX '' for financing as they called me before offering equipment financing. 
* After setting the price at XXXX for both trucks I received an offer On XXXX/XXXX/XXXX from XXXX to do such financing. ( see attached ) * For some reason XXXX used another company called " Financial Pacific Leasing to close and start the relationship. 
* After paying XXXX as at front fees and the last payment of XXXX the deal was closed and I received those trucks and XXXX XXXX was paid XXXX. I started making monthly payments of XXXX from that day. 
*On XXXX of XXXX I was notified by XXXX that my contract was terminated and not willing to renew, and I contacted Financial Pacific Leasing to know my balance on the account because they never disclose that on the monthly statements ( see attached ) and they told me the balance was so much higher of the original amount financed and said my only option was keep making monthly payments or to pay the sum of all monthly installments in XXXX single unrealistic payment. 
* Even with that response I 've been paying XXXX a month not using those trucks until XXXX. 
* On XXXX I called Financial Pacific to inform them I was having difficulties to afford the payment and asked to do something with my balance because by that day I had paid XXXX and I was told that the remaining balance was close to XXXX and the only option was paid the whole amount, this is totally unfair and deceptive. 
* After many aggressive calls from pacific leasing on XXXX/XXXX/XXXX they send me an addendum setting a new monthly payment of XXXX for the next XXXX months and I told them I was n't able to afford it because I do n't have a contract or use for those trucks ; even that I told the representative might try and when I returned that addendum they said it was to late and I 've to pay the entire amount of XXXX. ( see attached ). 
* On XXXX XXXX I received by mail a very intimidating letter from " XXXX XXXX '' Attorneys at law requiring the payment of XXXX plus late and attorney fees making me and XXXX XXXX personally responsible instead of my company XXXX. ( see attached document ) * After all efforts to honor that contract I 'm still owing more that the original loan amount with no escape of paying with their tough terms, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to get a modification on a XXXX mortgage since 2011. XXXX time we are told it has been written off, then yes it can be modified, then it has been written off, a {$60000.00} loan is now {$90.00}. They say it has been given to a XXXX party for collection, but ca n't give us the name of the company se we can contact them, they only ask how much money can I afford to pay it off, but I never have enough and it keeps going up. They will not accept payments, the interest rate is almost 13 %, they modified my XXXX mortgage but wo n't the XXXX and keep threatening foreclosure, I want to make payments on it, I want to keep my home, but I get a different story every time. The last denial was because the HAMP only modify 's XXXX mortgage, which is not true, HAMP will modify XXXX mortgages, but they did not research this. XXXX XXXX has been helping me through out all of this, she has made several appointments with the account rep ( since no one else can give us any information ) to no avail. We can not pronounce the persons name nor can I understand them, I have asked several times to speak to an XXXX to no avail. We need help, I have several letters over the years, some stating that a modification is available. Please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen purchased my loan and attempted to shorten my contractual grace period from 15 days to 10 days until I sent them a copy of the mortgage document. Every single month Ocwen asks me to register my computer, which their website ca n't seem to store. When I attempted to pay last month 's payment online through their website, I was forced to verify my email. My email has not changed in over 10 years, since before the intitation of this loan. When I attempted to complete the transaction, I received an error message including 'please try again later ' This went on until I could no longer pay through the website within the grace period. I initiated a bank payment, which I am fully aware is transmitted within 24 hours, yet Ocwen did not credit it as received until the grace period expired. I am sick of their fraudulent activities in attempting to violate grace periods and extort undue payments from consumers by manipulating the website code. There are XXXX 's of online complaints about their practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , LLC, and I entered into a modification agreement, on or about XXXX XXXX, 2016. The terms state the the down payment is to be paid on XXXX XXXX, 2016. Each month thereafter, I am to pay the same amount each month by the end of the grace period, which is the XXXX of the month. 

However, today, I received a letter entitled " DELINQUENCY NOTICE '' demanding payment for payments that have been absorbed by the modification, which is not due until XXXX XXXX, 2016. I consider this : 1. ) harassment, 2. breach of contract, and 3. ) against the laws governing mortgagors and loan servicing agencies under the Fair Debt Practices Collections Act, et al.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was transferred to Ocwen XX/XX/XXXX. I did n't realize until later that my mortgage was a ARM, nor do I remember agreeing to an ARM. I would never have agreed to this, knowing how the lender can adjust my rate whenever they felt like it. I applied and was approved for the HAMP ( Home Affordable Modification Program ) XX/XX/XXXX. XX/XX/XXXX I was informed that I no longer qualified and my mortgage would be adjust from a 1 % to a 4 % interest rate beginning XXXX XXXX, XXXX. Since then my mortgage has been adjusting every XXXX months. Then on XXXX XXXX, XXXX my mortgage adjusted from {$1200.00} to {$1300.00}, in XXXX months time. I have tried to apply to reenter into the HAMP again or have my mortgage set at a Fixed-Rate, but was denied and I was not given an explanation as why I no longer qualified. I 've never been late and I have always paid the full amount owed. I received a letter that my mortgage will again adjust to a 5.5 % rate, which will make my monthly payments {$14000.00} +. I ca n't afford these payments and have requested assistance to no avail. I would like someone to assist me in getting through to Ocwen with helping me to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A loan was assumed by LITTON LOANS/OCWEN and the loan was PAID IN FULL on or about XX/XX/2010. 

Litton continues to report MONTHLY PAYMENTS as accruing, giving the impression on review of a credit report that there is a PRESENT DELINQUENCY. There is not, as NO MONEY IS OWED to Litton.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a correspondence to Hunter Warfield at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXXThird Party CollectionsI demanded a validation and verification basically some form of contract background. I received a letter stating that the account could not be verified and that they would send information to the XXXX Major credit bureau XXXX, XXXX, XXXX to have the account deleted and removed. The account in question was deleted from my XXXX XXXX report. However the account was reported as being closed on my XXXX and XXXX reports when it should have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: HW Holding, Inc
State: CA
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:
This debt is in legal dispute at Superior Court of XXXX XXXX. Also, it was subsequently assigned to another Collection Agency And both are showing on my credit report. I have made repeated requests to have this removed since it 's been assigned to another agency but nothing has been done as of XXXX XXXX, 2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was in XXXX school until I could not continue due to XXXX. I have equested requested an IDR last year, as I explained this situation. I received a noticed that I received a bill of XXXX by XXXX XXXX. When I called to address this process again, I was referred to a sub program. They want XXXX by XXXX XXXX. I had my last operation XXXX XXXX, 2017. I am still in recovery. My XXXX hearing is XXXX XXXX, 2017. Currently I do not have an income. I believe I been scammed by Navient. XXXX University Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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 2 accounts on my credit report that are damaging my credit profile. These accounts being : XXXX ) XXXX XXXX XXXX, Acc # XXXX XXXX ) XXXX XXXX XXXX Acc # XXXX I have the credit bureau multiple times to show me some type of written signature as proof of me owing this debt and they refuse to do so. Therefore making the accounts listed above unverifiable and inaccurate. Reporting such information is a violation of my rights according to the FCRA.

Company response to consumer: Closed with explanation