BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
My complaint is against Chase Bank and the XXXX XXXX system. On XX/XX/2022 I attempted to wire a business partner online using the Chase Business Checking online system to initiate a wire transfer for {XXXX}. 

The wire was rejected stating invalid name on account. This is not correct. I verified all information, routing and accounting number, name on account ( my business partner is the sole signer on the account ) and address was all correct and verified as valid. There is absolutely no reason why this transaction should not have gone through. 

The money was returned to my account less {XXXX}. Chase bank refuses to refund me this money despite all information outbound to be true and correct. They stated that this is a XXXX  XXXX charge and they will not refund me the money. This is stealing money from small businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
TransUnion  LLC   XXXX .  XXXX   XXXX   XXXX , PA  XXXX   XXXX  The following are credit inquires that should not be listed on my TransUnion credit report. I never authorized these companies to access my credit report. I have never heard of these companies. I have contacted customer service for each of these companies and they refuse to help care of the negative inquiries reporting to your credit report That I did not authorize. I also contacted TransUnion and customer service refused to help. I was told by TransUnion to contact the companies even after explaining that I have already contacted each of these companies numerous times.  <P/> Date :    XX/XX/XXXX   Co mpany Name :  XXXX  Address :  XXXX   XXXX   XXXX   XXXX , FL  XXXX  Phone # : (  XXXX  )  XXXX  Date :    XX/XX/XXXX Com  pany Name :  XXXX  Address :  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Phone # : (  XXXX  )  XXXX  Date :   XX/XX/XXXX Co mpany Name :  XXXX   XXXX   XXXX   XXXX .   Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Phone # : (  XXXX  )  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 2015-10-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Dear XXXX, I am just writing back to let you know that I have not received a response to my complaint at Ocwen Loan. I have submitted my letter of complaint last XXXX XXXX, 2015. As of today I have not received anything from them aside for letter stating that my case is still open. My case number was XXXX. I apologized that I have to write you again for follow up. I am just very concern about this lack of response coming from Ocwen Loan. My bankruptcy case was discharged last XXXX XXXX, 2015. As of to date, they have not updated their records. I am still on bankruptcy on their records. They have not done anything inspite of my multiple calls to them and letter from my lawyer. The sad part, I can not refinance to a better rate because they are not updating my records and there credit report on me. In short, I am still not moving after 6 years after the bankruptcy. All my records has already been faxed to you through my previous letter. 
Thank you very much for your very kind assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Southwest Credit Systems, L.P.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Southwest Credit located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX sent me a letter attempting to collect {$520.00} for a XXXX account that was paid in full long time ago. I sent them a letter disputing the validity of the debt and I attached a copy of a XXXX printout showing that I do not owe them anything. This is a scam that could impact people who do not save receipts or keep track of their bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to health concerns I was not able to work my XXXX as strong as possible and due to reduced income I became delinquent on my Ocwen serviced mortgage. In XX/XX/2015 I continued to work with Ocwen providing them enough documents for a complete package. Recently, underwriting Ocwen declared that my loan modification request would be denied because of too many loans in a certain " investor pool '' having already received a loan modification and therefore they are closing out my case and giving me a denial. Upon conversations with mortgage professionals and visiting a HUD approved housing counselor, everyone said that this was the first time they had heard of this reason for not allowing a loan modification. I would like to have someone follow-up to see if indeed this reason is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: GA
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:
Medical accounts reporting without my consent or knowledge. Thus violating my protection under HIPPA as required by the act of 1996. My sensitive patient health information is now being reviewed and sent between creditors subjecting me to scrutiny and physical, technical and administrative security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: The CBE Group, Inc.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Th e CBE Group , Inc. c ontinuously is sending to my employee job emails on its attempt to collect a debt for someone other than me : Dear  XXXX   XXXX  ... I responded each time advised they got the wrong person and to stop sending emails to me and to my job. They continue to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: GA
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:
Medical accounts reporting without my consent or knowledge. Thus violating my protection under HIPPA as required by the act of 1996. My sensitive patient health information is now being reviewed and sent between creditors subjecting me to scrutiny and physical, technical and administrative security.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I sent documentation of the errors that was on my credit report. The main one was a property I had is indicated as being discharged through my XXXX XXXX bankruptcy of XX/XX/XXXX, when it was sold and the loan lender received payment in full in XX/XX/XXXX. When I sent this info over my credit score was XXXX Experian XXXX XXXX and XXXX XXXX. Once I submitted my disbute after the time for review, I received info from them advising per the creditor it is reporting correctly ( even though I sent the bill of sale document for the property ) but then they also reduced my credit score even though there was no change to it. All 3 credit agencies reduced my score after advising NO CHANGE reporting as correct! If there is no change, my score should have NOT changed. I want my score put back to where it should be. Right now it is reflecting as Experian XXXX, and XXXX XXXX, XXXX ( unsure ). I have reached out to the creditor who advised they will correct it, but I want my score back where it was before they correct it because it should go much higher than what it was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have a mortgage with Ocwen, XXXX, FL XXXXXXXXThe property is at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXAccount number XXXXIn XXXX 2011 we found that we could no longer afford the house. Because we both have bad health our son asked us to move closer to him, XXXX, XXXXWe put the house on the market with XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. The house was being sold as a short sale. XXXX XXXX found an interested buyer with cash. The buyer agreed to all of the terms Ocwen requested. Ocwen proceeded to drag their feet and after many weeks went by the buyer went elsewhere. 
After that point Ocwen told me that I had to have everything removed from the house, appliances, window treatments, everything down to the bare shell. I told them we could not afford the house and they should go ahead and foreclose, an empty house was not going to sell. When the buyer walked away so did our realtor, he said he could not deal with Ocwen anymore. 
Since that time Ocwen has continued to call us numerous times a week, starting at XXXX and continuing until XXXX. 
Every week we get numerous letters from them. They say we 're in foreclosure but continue to harass us. With continuing medical problems that both my husband and I have we ca n't stand the constant calls. We find it difficult to understand what they are saying and asked them not to call, just go ahead and foreclose. After that last conversation I had with them I have received a half a dozen phone calls in one week and numerous pieces of mail. Some of the mail says that I requested it, which is not true. This company ignored a buyer with cash, the only offer to buy on this house. Now they hound us daily. 
If you can do anything to resolve this matter it would be greatly appreciated. If the house had gone through the short sale we would have received approximately {$2000.00}. I think that 's why Ocwen did not accept that sale. Then telling me everything had to be removed from the house, which I did. But I 've spoken with other people and they say they 've never heard of such a thing. 
The price of the house keeps going up with them. A once {$35000.00} house they now want $ XXXXXXXXI think they are crooks, there was absolutely no reason for them to turn away from the cash that was offered, which was an amount they had set. 
They keep saying it 's in foreclosure but they 're doing nothing but harass us. 
Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a 30 yr loan with XXXX in XXXX. Thereafter, in XX/XX/XXXX, the loan changed hands to Litton and then to Ocwen in XX/XX/XXXX. Ocwen says that the loan is a 15 yr loan and that it is due and payable. Upon my request, they sent XXXX document that conflicts with all of the attached records. I have no explanation for this document. However, they have no explanation for the attached documents. My records clearly show that the loan was for 360 months or 30 yrs. It should have approximately 10 more years left. I have attached copies of the original loan documents from XXXX. Interestingly enough, I have noted that all of the figures do not match. However, the one thing that is in common with all documents is that the loan was for 360 months. At various spots on Ocwen 's website, it shows that the loan is a 30 yr loan. I have made copies of each of those pages, they are available if you need them. It seems that I have been blocked off their website as I can no longer get information off their website. I have sent numerous letters to Ocwen to try and straighten this out with no results. Ocwen does not accept the monthly mortgage payments, even though I continue to make them. They just send the payments back saying credit refused. I have all on time payment records for several years back, they are available if you need them. To make matters worse, they are reporting to the credit bureaus that payments are not being made at all. It seems that they are killing my credit to force me to pay the balance in full. The balance is approximately {$38000.00}. I can not afford to pay the loan off, if I could I would. Ocwen has not made any attempt to foreclose on this property even though this has been going on since XX/XX/XXXX. Even stranger is if the loan did mature in XX/XX/XXXX, why are the showing monthly payments not being made after XX/XX/XXXX up to XX/XX/XXXX? If they were right, I am sure that they would have tried to foreclose. The whole thing is at a standstill, I pay and they send the payments back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-15
Company: Experian Information Solutions Inc.
State: TX
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:
It has been drawn out into the open that the credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX Balance {$0.00} ; XXXX, XXXX XXXX XXXX {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-05-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen submitted XXXX information misrepresenting the date of the " forgiveness '' as being XX/XX/XXXX when, in fact, the date was XX/XX/XXXX. The date is significant when filing state tax, as the state of CA does not allow the omission of the forgiveness as " income '' after XX/XX/XXXX. Furthermore, Ocwen sent a corrected XXXX but it did not reflect any changes in the incorrect date. The CA XXXX XXXX XXXX is under the erroneous assumption that the $ XXXX forgiveness occurred in XX/XX/XXXX due to Ocwen 's misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was on a forbearance plan that ended in XXXX. I was told by my mortgage company Mr. Cooper, that after they took my payment on XX/XX/XXXX, I would be able to resume my future mortgage payments as normal without penalty or harassment. 
Last week someone came to my house with a letter and Mr. Cooper is now demanding the full lump sum of the forbearance - over XXXX. 
I called Mr. Cooper and was on the phone all day on Monday XX/XX/XXXX. I spoke to XXXX, who transferred me to XXXX, who was reviewing my problem when she hung up and did not call me back. I then called and waited on hold another XXXX minutes before speaking with Ira XXXX at XXXX p.m. she was filing a request she said and would call me back on the XXXX or XXXX. She nor anyone ever called me back. 
Today - XX/XX/XXXX, I called and spoke to XXXX at around XXXX p.m. She could not connect me with Ira XXXX XXXX a supervisor and wanted to argue with me that I was owing all the money and was still saying I have to pay back the full lump sum. When I asked for the supervisor she said she could only have someone call me back. I asked if I would actually get a call back this time and she said yes. When I asked for someone that could help me get answers today, she put me on hold and then disconnected the call. I have not gotten a call back yet today and that was over an hour ago. 
I was told when I started this plan that my forbearance payments would roll to the end of my mortgage without penalty. 
I feel I am being stressed, harassed and lied to by this mortgage company. They tell you one thing and then do another, treating me like I am a derelict after taking payment. I have been in my home over 30 years. They are not giving me answers and passing the buck. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
NUMEROUS TIMES I HAVE REACHED OUT TO XXXX  AND TO BANK OF AMERICA IN REGARDS TO THE FRAUDULENT ACCOUNT WHICH WAS OPENED UNDER MY NAME, I AM A VICTIM OF AN IDENTITY THEFT, THIS ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES DON'T BELONG TO ME. THIS CARD WAS OPENED WITHOUT MY CONSENT AND WITHOUT MY KNOWLEDGE.

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 2016-05-17
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our clients were extended a loan modification agreement from Ocwen Loan Servicing via correspondence dated XXXX XXXX, 2015. They signed and returned same agreement XXXX XXXX, 2015. The terms set forth in the agreement from payment XXXX to maturity were {$2.00}, XXXX. Two weeks later, Ocwen sent out clients correspondence with payment changes to {$2.00}, XXXX. ( Original terms of the mortgage were fixed, never adjustable ). They called Ocwen and Ocwen advised to continue to make the loan modification payment per the agreement of {$2.00}, XXXX. As directed, payments were continually made per agreement, but all eventually returned. ( I have attached proof of same ). Litigation continued and now they are facing trial. 

Our client has had a XXXX and are taking care of a XXXX son. Please advise asap as situation is critical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding LLC is trying to collect {$600.00} from me from a debt that I owe through a credit one bank credit card that I supposely took out in XX/XX/2015. I never taken out a credit card under my name at all. They keep insisting me to pay the amount and got my social security, address and number from me. I do n't feel safe knowing they will keep calling me to pay this debt that I supposely owe.

Company response to consumer: Closed with non-monetary relief