BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-27
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
THis collection agency has put me below minium wage for the last year. They claim that because they though I was living with my mother that is why they took more. I have not lived with my mother for over 2 years. When I spoke to the judge he said he would look into the matter and get back to me. He never returned my call. Centon ( also known as ; Credit Systems in XXXX MT ) This collection agency now after my last payment ; have come back with medical bills from XXXX, XXXX and XXXX. I have asked for proof that these bills are mine. When I have asked for information in the past they have not sent it. They refused to lower my payment. Telling me how much I must pay. They sent the server to my work and say that I am served because they gave the notice to the payroll person. I have not received service. 
They called my mom and discussed my account with her. They say they will send documentation or forms for me and do n't. They say mail is returned when I receive mail ever day at my mailbox. 
I want them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: ID Analytics, Inc.
State: KY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Im am in the process of disputing items that i believe to be incorrect on my credit bureau. Ive attempted to place a security freeze on my account with Sagestream and they continue to state they cant verify due to not being able to read the fax after three times. I then sent a certified letter to them to ensure that the information was clear and that they received it. I have left multiple voice messages with the company and havent gotten a return phone call. This is interfering with me taking care of serious issues in regards to my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I overnighted a {$4300.00} check to OCWEN and have it arriving and signed for at Ocwen. It always takes a week and after 2 weeks not hitting I called them. They lost the check and TOLD me NOT to make a payment until their investigation was resolved. Over the next 3 months they were doing an investigation and TOLD me not to pay until this was resolved. Once they told me to stop payment - a week later I mailed them the entire payment to ctach it up. The supervisor XXXX ( XXXX ) told me it would not go against me. Now they reported me late to all XXXX credit agencies. They will not call me back to resolves this. I have called numerous times as this is really adversely affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My husband and I applied for a HELOC in 2006 from GMAC/XXXX. XXXX XXXX was the officer we worked with during the application process. His contact information is GMAC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. From the documentation I kept in my files, this is what I have pieced together. My husband and I were quoted a fixed rate of 8.25 % XXXX mo term. We received the loan documents to review on XXXX/XXXX/06. Everything looked good per the TIL and Good Faith. We then received a second copy which I kept. Then we received a third copy which turns out, was not the same set of documents. It is dated one day later on XXXX/XXXX/06 and did not include any specifics about the loan, no TIL and no Good Faith were included. I also have a copy of the closing instructions dated XXXX/XXXX/06. with no TIL or GF listed in the document section of the closing instructions. My loan was since sold to OCWEN. I recently received a letter from the current HELOC financer stating that I will be making the final loan payments at full principal as per the terms of my interest only loan. The problem is that my husband and I never applied for an interest only HeLOC. We feel that we closed on a different loan than what was initially disclosed to us and defrauded of 10 years of principal payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received XXXX calls at work on XXXX/XXXX/16 with messages left on my voicemail from a man with an accent saying his name was XXXX XXXX with Ocwen Loan Servicing. The caller ID showed up as Ocwen 's phone number XXXX, but his call back number given he said was XXXX which has a fast busy signal when I tried to call it back. He threatened that Ocwen would be placing legal action on me resulting in me losing my home. He gave my full name and my property address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen financial services claims simultaneously to have a loan with me ( despite my never having done business with them or having been notified of said loan ) and to have written off said loan with the IRS in XX/XX/XXXX. Further, they continue to insert themselves in a legal case I have against XXXX XXXX XXXX company regarding my foreclosure. Ocwen has claimed in a legal deposition that they are the current holder of an unsigned original, legally executed Note. XXXX has claimed that the holder of the note is the owner of the property. However, Ocwen appears to have discharged the Note according to the IRS. This Note was discharged previously by IndyMac Mortgage Services in XX/XX/XXXX ( which Ocwen is aware of as the evidence of this was shown to them at a legal deposition ). Ocwen appears to have applied a court ordered use and occupancy payment made out to XXXX to a loan ( number XXXX XXXX which Ocwen pretends to have with me. I have received no notification that any loan was transferred to Ocwen at any time, nor could this have happened since Ocwen was not ( and does not claim ) any involvement until long after a foreclosure had already taken place on the property. Further, Ocwen did not ( according to their own testimony at deposition ) become holder of any Note or Loan through the purchase of the assets of IndyMac Mortgage Services from XXXX ( or any other entity ), rather, they claim this happened as a result of XXXX giving them an original copy of a legally executed Note where it was held in a vault from the time of foreclosure. These very facts are in dispute in a court of law at the moment and the case is pending appeal. 
In filing a tax for claiming to discharge a note that they did not had and had been previously discharged, Ocwen is guilty of tax fraud against the IRS. In claiming to have a loan with me and/or attached to my property, Ocwen is committing fraud. If Ocwen is claiming to have a loan with me, I was never notified of this fact as required by federal law and I dispute any such claim. By assigning a payment to a loan which does n't exist, Ocwen is committing fraud, since they simultaneously claim that they discharged the debt last year and the check was not made out to Ocwen Financial it 's parent or subsidiary or related companies which constitutes check fraud. Further, Ocwen is violating the court order for use and occupancy, which they are not entitled to since they are not part of the legal action. Further, Ocwen is clearly conspiring with XXXX and is costing me money. Finally, Ocwen was previously notified of their tax fraud by registered letter, so they are already aware ( or should be aware ) that their behavior is inappropriate and likely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing acting as the Servicer of this Mortgage has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on our personal home by selling it at auction on XXXX XXXX. The direct violation of HBOR law is based on Ocwen Loan Servicing improperly and unfairly reviewing our loan modification request for relief. We have submitted a complete loan modification direct via fax. Ocwen Loan Servicing illegally commenced and is conducting a foreclosure without attempting to find workout relief options for us. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. They simply wish to foreclose and kick us out onto the streets. They have clearly violated HBOR specifically under the " dual tracking '' clause. Ocwen Loan Servicing instructed and allowed the foreclosure trustee named XXXX XXXX XXXX to illegally start foreclosure on my property. The Ocwen Loan Servicing and know your options website gave the result that we are eligible for a Loan Modification with a lower payment to save our property. So there is no reason why Ocwen Loan Servicing should have denied our request or started foreclosure on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Google Compare Credit Cards Inc.
State: AZ
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:
On different email accounts Google pay has charged the account for services that I inquired about but did not necessarily want so I'm asking that you please look into that because I don't think that it's right I don't think that it's fair I don't think that it should go that way I've consulted with them they had agreed on reimbursements not necessarily went through so I'm bringing it to your attention. 
Here are my email addresses that have been victim to wrongful charging. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX XXXX Arizona XXXX current mailing address. 
My current email address XXXX Look forward to hearing from you regarding this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello, Around XX/XX/XXXX my wife and I ran into difficult financial times with XXXX and were force to file bankruptcy. We tried to keep our house by continuing to make payments until XX/XX/XXXX. XX/XX/XXXX, we stopped making payments on our house and moved out. Because the house we lived in was under construction we were unable to do a deed in lieu and have to wait for the foreclosure of the house. Since then I have rebuilt my credit and have been trying to purchase a another house. However, the previous house has not been foreclosed on ( and we need to wait 2 years after the foreclosure to qualify for an FHA loan ) we are unable to purchase a house. I called the mortgage servicer and they told me that they ca n't rush the foreclosure any faster it 's ( almost 3 years ), but this is causing us undue hardship by not being able to qualify for another house. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
For 2 months the Ocwen said they did not receive our payments. I told them we had sent them by mail, as usual. They made me beg for 1.5 hours and XXXX different people in order to get the late fee waived. Then they found our checks and cashed them without telling us. Now we have paid payments ahead for 2 months, because they found the checks. Now we need that money to pay taxes, but they have already credited it to our account. 
Also, the rate changed in XX/XX/XXXX but the payment coupon did not. They charged us the additional amount, but they show it on the statement as a fee, not principle and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: SECURITY FINANCE CORP
State: MO
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 disputed on numerous occasions factual inaccuracies across all of my credit reports with this company that should have resulted in the account being deleted. In direct violation of Federal law, the company keeps updating the factually disputed inaccuracies when they should have deleted the 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
Consumer complaint received 2015-07-23
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, Ocwen, does not pay all taxes due from my escrow account. I have to pay these taxes additionally as well as in my escrow yearly estimation. They often pay late ( XXXX or XXXX ) and charge my escrow the penalties and interest as well as lose money in the account. I have relentlessly called, and mailed them request for refunds along with tax receipts, for a year now. The have openly acknowledged they did not pay, but do not know where the funds are and keep asking I give them more time. They are now wanting to charge me {$1200.00}. in escrow by owe me {$7800.00}. I can not afford this increase and will lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I owe payments for XXXX, XXXX and XXXX. I offered to pay {$1300.00}, which is a payment and a Extra {$350.00}. I explained to them, I could pay this each month until caught up. They are refusing to take my payments. Agent I.D . number is XXXX, who refused. I told her I aould mail it in she said they want post it. I have been asking for help since XXXX, when my husband went out of work for over 30 days, due to XXXX. He is back to work now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This complaint describes the determining the origination of identity theft, talking with Chase and not receiving a resolution. 
In XXXX 2016 I a responded to a direct mail refinance offer from Chase. I called XXXX and spoke to XXXX XXXX XXXX XXXX # XXXX. I gave XXXX XXXX all of my personal information over the phone, incl., SS number. Following, I was requested a credit card number to place a {$500.00} good faith deposit. I used a XXXX XXXX, which was an updated card issued the previous month, with a new XXXX digit back code. 
By XXXX XXXX, all of my personal information and the credit card number were stolen with an attempt to hijack this XXXX account with a name/address of XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, email : XXXXXXXXXXXX, phone : XXXX. None of my other current credit card accounts has had a hijack attempt, only this XXXX which was used at Chase with all of my personal information. 
Soon after, XXXX conducted an investigation and determined the fraud did not originate internally but was called in and had the recording of the conversation of the hijack. 
Using my personal information, the thieves have attempted to open additional XXXX accounts at XXXX and at Chase. I have had to purchase XXXX protection to alert me of these on-going threats. 
On XXXX XXXX I spoke to XXXX XXXX from Chase fraud dept. XXXX x XXXX. I explained the entire matter and was told an investigation would be done. I never received a follow-up. 
It is my opinion and conclusion that identity theft originated at Chase Home Finance, whether it was a hack, or some other breach, possibly by someone in their IT department, as none of my personal information along with my new XXXX card ever appeared in one place together. In the 40 years of possessing credit, I have never had any breach of any kind, nor any credit card theft ever. The fact that this identity theft occurred in less than two weeks after providing my personal information to Chase strongly indicates the source of the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
my name is XXXX XXXX with SSN # XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please investigate those items and delete them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just received an ameratization statement and it showed an among due of {$4800.00}! I immediately telephoned and received differences in amounts due either by automated and person. Finally asked for supervisor and received more different figures, told to call my bank and trace the payments, did that and all payments show being made to the mortgage, none returned. Telephone the mortgage company OCWEN with response from bank and giving them the 'dates and amounts of the payments ) and they ca n't tell me anything other than the money was returned, we did n't have permission to make XXXX payments, and they ca n't override their system to accept any payment other than {$4800.00}, due to the account is more than 87 days delinquent, yet now at the end of the call they want another {$2900.00} for a shortage in the escrow!! What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has never reached out to me to collect any type of debt. I looked on my XXXX report and my credit score dropped drastically for this collection debt. I called and asked them to provide me with the invoice or any written documentation, which they would not provide me. They asked for my SSN multiple times and were trying to reach someone named XXXX, who is not me. I informed them this was not me ; however, they told me there is nothing they can do unless I provide my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
TRANSWORLD SYSTEMS in XXXX DELAWARE KEEPS CALLING ABOUT A DEBT FOR SOMEBODY WITH THE SAME NAME AS MYSELF. I HAVE GOTTEN XXXX CALLS IN THE LAST XXXX WEEKS. THEY ASK FOR MY SSN and b-date which I will not give them. They will not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I did an application for a consumer credit transaction with XXXX XXXX in which they told me CPS needed me to put a down payment of {$6800.00} on a used XXXX  XXXX XXXX. I was also told they would also need a 60 month verification letter stating I will be getting public assistance for the length of the loan.

15 U.S.C. 1602 ( a ) Defines finance charge as a sum not including any amount comparable in cash 15 U.S.C 1691 ( a ) ECOA ( Equal Credit Opportunity Act ) prohibits discrimination against any applicant in a credit transaction whose income comes from public assistance and who exercised any right in good faith under this Act. 

The above are violations of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Rewards

Complaint:
Was actively solicited a half dozen times by American Express Business Gold Card offer. The solicitation was in the name of our s-corp. we applied and were approved. The offer stated that we would received XXXX, XXXX points if we spent {$5000.00} on the card in 3 months - however when it came time for American Express to award the reward points - they claimed that since we had a card previously we were not eligible. 
In later communications they claimed since the person who applied for the card had previously had a gold card - that we were not eligible. Our concerns are : 1. Why would they continue to actively solicit us for their card if we are ineligible? 
2. Why would they approve us and issue a card but not inform us that we are eligible for the reward? 
3. Why would they wait to inform us until after we achieved the desires card spend targets needed to qualify a significant portion of the awards? 

On XXXX/XXXX/2016 we spoke with a XXXX XXXX from American Express who apologized and explained that they have no way of suppressing customer solicitations to those that are ineligible to receive the awards -XXXX explained its in the disclosures - however its not something we could find. 
Lastly - they solicited the small business we own for the card - and we applied for the card in the name of the small business ( an XXXX ) which is a different entity from the individual. Under this type of solicitation and application - our assumption is that the card is associated with the XXXX and since the entity had never previously had a card - we should receive the XXXX points - however XXXX XXXX explained that although the solicitation was in the XXXX name - and even though they ask for an obtain the TIN - that the card is issued to the individual ( the card has the company name on it, was applied for under the company name and TIN ) - and therefore the eligibility is evaluated based on the individual 's SSN on the application. 
While I am a well educated man I can not understand how this type of behavior is reasonable or ethical.

Company response to consumer: Closed with explanation