BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-28
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan Number XXXX with Ocwen. Ocwen is showing much more than what I owe on my Loan with them. Loan was taken out in XXXX XXXX for XXXX. Since then they are saying I owe XXXX. I have been trying to get statements showing my payments since XX/XX/XXXX. Recently with your help I did get them from XXXX/XXXX/XXXX but nothing before. The statements that I did receive had many discrepancies. I will up load the XXXX different statements to you showing the discrepancies. Beginning with the oldest statement that I have but not going to original date of XX/XX/XXXX. The oldest I have is XXXX/XXXX/XXXX to XXXX/XXXX/XXXX there were several payment that no interest or principle was applied those dates are XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Unexplained fees on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Other discrepancies were pages XXXX to XXXX were not mailed to me. Ended balance after XXXX/XXXX/XXXX was showing at {$81000.00} with all the discrepancies. Statement dated from XXXX/XXXX/XXXX to XX/XX/XXXX Balance was lowered to XXXX then they added a suspense application fee of {$510.00} bringing it back to {$81.00}, XXXX. Statement dated from XX/XX/XXXX to XX/XX/XXXX Many property inspection fees and valuations XXXX were done on XX/XX/XXXX only Balance was down to {$79000.00} on XX/XX/XXXX then I tried to get a modification and they told me I was going to lose my home many times unless I signed the trial payment. I had no choice and they increased my payments were I could n't afford and increased my Balance to XXXX. This was ILLEGAL but I thought I had no choice at the time. Statement dated XXXX/XXXX/XXXX to XXXX/XXXX/XXXX incorrect Balance of XXXX. Again I feel they increase my balance of my loan illegally and do n't owe what they are showing with all their fees and increase of balance. This is illegal unfair practices. I am still trying to get the statements from XXXX XXXX to XXXX XXXX to see if they have also made incorrect charges or did n't give me credit for my payments.

Company response to consumer: Closed
Consumer complaint received 2020-04-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My card is with Citi Bank and I paid it off in full on XXXX ( {$23000.00} ). On XX/XX/XXXX I got a text saying I had a late fee so I called them to see what was wrong as I had paid {$400.00} on XXXX and {$400.00} on XX/XX/XXXX. The rep said it was a late fee and interest so instead of arguing with her I paid {$37.00}. That night I looked at my previous and called them the next day to see why I was charged a late fee. They said it was because i paid early and it when against the previous bill. I said I was penalized for paying early?? and the rep said they would credit it back to my back account. Nothing was credited back and I tried calling a fee times and couldn't get through until XX/XX/XXXX or XXXX. I had to explain all over again and that rep said they would credit it back to my account and I should see it in my XXXX XXXX XXXXXXXX account by that Thursday or friday, XX/XX/XXXX or XXXX. Nothing has been credited back and I've tried to call and messenger then and can not get through. I waited over an hour on the phone yesterday XX/XX/XXXX and finally hung up. I would like this resolved but can't seem to get them to fix it. I've seen others complain about them also so I feel something needs to be done.

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 2020-04-01
Company: EQUIFAX, INC.
State: AR
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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$520.00} XXXX XXXX XXXX {$240.00} XXXX   XXXX {$2800.00} XXXX  XXXX  XXXX {$5200.00} XXXX   XXXX {$670.00} XXXX/XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$9800.00} XXXX XXXX {$710.00} XXXX/XXXX  XXXX {$450.00} XXXX  XXXX   XXXX XXXX {$22000.00} XXXX  XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have received multiple calls from Credit Management collection agency before XXXX. When they call they immediately ask for my address which I refused to verify at first because they didnt even give a company name. I informed them at that time to mail me whatever they were calling about because I wasnt comfortable randomly verifying my information over the phone. I saw them on my credit report and contact them immediately to inform them that I did not owe anything to the original creditor XXXX. I also provided them with proof and disputed with the credit bureaus and it was removed. Im still getting calls, even this morning at XXXX. I asked to speak with a supervisor and was placed on a silent hold at XXXX until I finally hung up at XXXX. I called back and asked to speak with a supervisor and was told they were on calls. I tried explaining to the representative that answered what was going on and they became very rude saying We can call as early as XXXX. I informed the representative that it was a violation and calls could not be made until XXXX of the time zone the debtor is in and that I myself had been a collections supervisor and that Im pretty sure that law had not changed but I was hung up on. Im exhausted with the harassment from this company. I have yet to receive any correspondence from them as I requested of them to have for my records.

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 2015-09-03
Company: Focus Holding Company
State: AZ
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:
I terminated my service with XXXX in XXXX 2015 due to dissatisfaction with their billing. They sold me a digital receiver and offered a refund when the analog receiver being replaced was returned. Never received the box to return the old receiver, and when called, they denied agreeing to the refund. I had verbally agreed to extend my contract for two years. So I cancelled my service. I got a " termination fee '' bill of {$380.00}. I was aware of XXXX Revised Statute 44-101 ( 5 ) which states that a verbal agreement not to be performed within one year is unenforceable. Since I never signed the agreement, I wrote to XXXX on XXXX XXXX, 2015 advising them of the statute and the unenforceability. Then I began receiving robo-calls from Focus Receivable Management in XXXX ( XXXX ) asking me to call them. I did receive three calls from employees, and I refused to discuss my personal business with an unknown party. I told them I would respond to a written letter, but not to a phone call. I have yet to receive a phone call, and I only guess the location of the company based on a XXXX search. I realize under federal law ( Fair Debt Collection Practices Act ) I can only stop the phone calls by written notice, but I have no location info to send such a letter. Please help me stop this harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I took out a refinance loan with PennyMac Mortgage for our single family home. At that time XXXX XXXX was my loan officer. He seemed to know what he was doing. He informed me instead of my receiving an escrow check back from my current mortgage at that time, I could roll it over into my refinance towards the new escrow so that my closing cost and my escrow would be enough to start my new loan. I agreed that was fine. I figured he was the professional and knew what he was doing. This reduced my mortgage from {$1400.00} to {$1200.00}. That sounded great to me. Now 5 months later, I find out that I have a {$1800.00} deficit in my escrow. I spoke to XXXX in the customer service dept. and she indicated Mr. XXXX did not apply my {$1300.00} escrow balance to the new loan. She consulted her supervisor to research with her and that is what they came up with. She says the only way to rectify this situation is they have to pass this on to me, even though it was not my fault. The alternatives is to use my XXXX payment of {$1200.00} towards the escrow deficit and make 2 payments in XXXX of {$2400.00}. ( We can not do this ) or spread the deficit over 48 months and that will increase our mortgage by {$140.00} a month. Neither of these are feasible for us. We are in our 60 's and not working. I have a XXXX XXXX XXXX  with no XXXX  since XX/XX/2019. I believe Mr. XXXX played with the escrow to make it look like a better deal than it actually was. I can not refinance with the FHA loans outrageous now. 
The loan # XXXX that I am referencing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: FL
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:
Numerous and unaccounted for inquiries on my current credit reports which I have no knowledge of and have pursued this with Credit agencies without success. Could you please present me with a solution for eliminating these inquiries ( XXXX ) from my credit report. Derogatory remarks which are directly related to a worldwide disaster in which I had no choice due to a pandemic, is this how our Government treats it's citizens. Thank You 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 2016-06-22
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been with my bank for awhile and I have been charged XXXX dollars for over draft fees. I know I have an option to keep this service but I think the charges are getting out of hand.

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 2017-12-14
Company: EQUIFAX, INC.
State: IL
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:
I have tried to contact the company regarding my report numerous times! I was a victim of fraud and my information was compromised during the Equifax breach. Ive had multiple inquires that were NOT authorized by me and wrong information on my report that needs to be removed. Ive tried contacting the creditors and Ive gotten absolutely nowhere. My last try was to contact XXXX! After multiple attempts and being transferred over 4 times with them they finally DISPUTED them but after receiving the results they were not deleted! I called them back and they told me to contact the creditors. After reassuring them that Ive contacted them multiple times they still refused to help! I have NO record of any accounts with the creditors and I am to the point that I am no longer willing to contact the creditors because I have no relationships or contracts with them! It is the credit bureaus responsibility to validate that all inquiries and accounts report on the account are true which they are NOT! This has gotten out of hand and has gone on too long. I need results!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Experian Information Solutions Inc.
State: NV
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:
I have credit inquiries from XXXX and Experian that are fraud. I had a similar problem earlier this year each bureau should have a police report and fraud affidavit on file the following were not made by me. These are all Fraud.

1.XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5.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 2017-12-14
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/17 XXXX XXXX gave a XXXX American Express Credit Card Deposit to XXXX XXXX for a job located XXXX XXXX XXXX XXXX, MA, Before XXXX XXXX started the job or send me a contract to sign i cancelled the job with a phone call and a email, after i disputed the credit card charge with American Express for the full amount of XXXX dollars XXXX XXXX response with the merchants that the payment was made for on going projects, American Express still refuses to refund me the XXXX even after i sent them a sign receipt that clearly stated XXXX XXXX XXXX XXXX , MA Down Payment '', a signed letter from the homeowner at the address that no work was performed and copy of a charter law in Pennsylvania that state No Home Improvement work is bidding without a signed contract by both parties, i am lost and need help to get this fraudulent credit card charge off my bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: FISERV INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TeleCheck from Fiserv is a check acceptance company. TeleCheck and XXXX XXXX XXXX have been providing undisclosed and fake information to XXXX about me XXXX XXXX to Decline valid charges using XXXX  XXXX XXXX XXXX account ending in XXXX. 
I have been targeted by XXXX XXXX XXXX at financial institutions like Fiserv, Telecheck, and XXXX XXXX XXXX who are attempting to destroy my Business and Personal Financial reputation with false debts and credit information. 

1 ) There is no legitimate reason my XXXX and any other online Transactions should be Declined by Telecheck. The average deposits in the checking account being used is over {$10000.00} USD. 
2 ) TeleCheck has refused to provide me, XXXX XXXX, with a Consumer Report and more than 3 requests have been made for this information on the Telecheck website XXXX ) TeleCheck has not provided a Decline Code to XXXX or me XXXX XXXX the Consumer to properly investigate the reasons for this discrimination and harassment. 
4 ) These fake Declines are illegal Hate Crimes perpetuated by XXXX XXXX XXXX working in established Financial Institutions targeting XXXX and other People of XXXX. 

Please investigate and have Telecheck release all details related to the unsubstantiated Declines. These false declines are unfairly ruining my financial reputation. These issues have been reported to Telecheck using Complaint Codes XXXX and 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 2022-08-05
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : -XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX : - XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX : $ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX on XX/XX/XXXX, XXXX Inquired on XX/XX/2021 2021

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 2022-09-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a request to have PMI insurance removed per their policy because it was within 2 years of my mortgage. I mailed my application with check for {$150.00} around XX/XX/22. It was cashed by PHH Mortgage on XX/XX/22. I did many significant improvements on the home. The appraiser came out on XX/XX/22. 

Since then, PHH states they can't send me to appraisal and that they can't remove my PMI yet as they " need more time to process the request. '' It's been two months with no resolution. Every week they state that they don't have any answers. They also keep charging me PMI even though the escalation manager says it should be taken off. I have complied with all of their requests and I can't get any resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-26
Company: SUNRISE CREDIT SERVICES, INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In or about XXXX of XXXX I contacted XXXX requesting my account number so that I could cancel services with them and move to another phone company. I advised the representative to cancel my account, this was before the next month 's billing cycle began. That same day I went to XXXX and ported my phone number to them, leaving XXXX and cancelling my account. I did not use any of XXXX 's services going forward. Yet it seems that after that month 's billing cycle ended they continued it, not cancelling my account as requested. They apparently billed me, despite my request and despite the fact that I could not use their services at all as I did not have a device connected to XXXX 's network even for 1 day during the new billing cycle as I was with XXXX pre-dating the new month 's billing cycle. 

Today I got a credit alert that a company is trying to collect this false debt, with fees. I do not owe a debt, and I take issue with this company as well as XXXX because I ensured carefully prior to the new month 's billing cycle to cancel all services and cut all ties with XXXX, it would 've been impossible for them to provide me with any services as well.

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 2020-04-01
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank MortgageBorrower : XXXX XXXX Loan # : XXXX Property Address : XXXX XXXX XXXX XXXX, FL XXXX XXXX I've spent a year trying to work with the Flagstar Bank Escrow Department and their Insurance Service Department to try and resolve a force placed policy that was then charged to me with late fees. After having called Flagstar Bank on a monthly basis for the past year it was only yesterday on a call ( with the assistance of my insurance broker ), that I asked for an escrow accounting and copies of documents and policies and became concerned that there may have been fraud or a legal violation on the account. 

On XX/XX/XXXX a disbursement of {$1600.00} was made by Flagstar from my mortgage. This disbursement automatically established an escrow account for calendar year XX/XX/XXXX. My mortgage does not have taxes or insurance escrowed. I was originally told by the bank that this was related to a force placed insurance policy. I provided insurance documents and policies to prove that I had my own insurance in an attempt to resolve the error. 

The charge for {$1600.00} ultimately also resulted in an additional {$900.00} in late fees accrued to my account. I was told by Flagstar Bank every month I called to wait for a refund and reconciliation. I continued to pay my original loan amount but would later make additional monthly payments upon a monthly review of my account because no reconciliation actually took place and I did not want my account to go past due. 
When I called Flagstar with my insurance agent to see if I wasn't asking the right questions, the Bank escrow department acknowledged the disbursement in my account history but could not confirm to who the disbursement was made. I was transferred to the Insurance Services department and we asked for a copy of the policy that was force placed. This was the first time they disclosed that they do not have a record of insurance or a copy of a policy being placed on my account. 

I was presuming if I got a copy of their policy I could get a refund from my own carrier who I also had a policy with, but it appears Flagstar Bank is unable to provide a justification for their charges. 

My complaint is that no policy was actually purchased since they can't find proof of a policy yet they charged me for insurance and fees on my account.

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