BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-12
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The XXXX 2015 statement for my second mortgage with Ocwen Loan Servicing showed a dramatic increase in the amount due for my second mortgage. I called Ocwen on XXXX XXXX to find out what happened. In XXXX or XXXX, 2015 XXXX Ocwen wo n't clarify XXXX, Ocwen submitted a double-payment from my escrow account to the insurance company XXXX XXXX XXXX XXXX. During that XXXX XXXX phone call, Ocwen told me that the additional charge would be removed and I would receive a revised statement within 7 to 10 days. I was also told that, as a courtesy due the inconvenience, the {$14.00} late fee applied to my account would be removed. I still have not received an accurate XXXX statement for the second mortgage. Based upon harassing phone calls from XXXX to XXXX Ocwen is now demanding that we send them over {$1100.00} to compensate for its mistake. Ocwen insists I received a refund from XXXX, which I have n't, and is demanding the refund check. I have been on the phone with Ocwen several times and the company is refusing to send me an updated statement with the additional escrow removed XXXX as was told to me on XXXX XXXX XXXX and Ocwen is refusing to work with XXXX to fix its costly error. My patience with Ocwen has worn thin, and I have had to yell and curse over the phone with every representative that has harassed me. Every call is driving me crazy and I end up hanging up every time. These Ocwen representatives wo n't listen, wo n't comply with the terms of the mortgage, and wo n't solve their own errors.

Company response to consumer: Closed
Consumer complaint received 2016-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried to reach out to TransUnion credit bureau since XXXX 2015 to inform them of the fraudulent and in accurate data they are reporting in the case/report number referenced above. To date it has been almost 6 months and I cant tell you what is going on .... all I know is that I have filed a identity case with the FTC and I have submitted a police report to them but I have not heard back and the XXXX accounts are still on my credit. 
This is a nightmare for me. The XXXX accounts that I do not recognize/that were not originated by me are 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 explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX. Company Inquiries : 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 explanation
Consumer complaint received 2016-01-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a complaint about OCWEN who is servicing our mortgage loan. My husband and I, who are both seniors have applied to refinance our OCWEN serviced loan under a reverse mortgage with a different lender. The process has gone well until a request for the OCWEN serviced loan payoff requirements request by our potential new lender/title company. Briefly, this process has gone as follows : On XXXX XXXX, XXXX an initial request for payoff requirements, on our behalf, was sent to OCWEN by title company. Ocwen, then requested a copy of appraisal which was immediately sent to them. This appraisal was prepared in XXXX XXXX. 

After no response from OCWEN, on XXXX XXXX, XXXX we contacted OCWEN who acknowledged receipt of appraisal but said there was no payoff request. The requested another copy of appraisal which I faxed to them immediately. On XXXX XXXX, XXXX, I called to verify that they had received appraisal and they confirmed that they had and they were preparing payoff requirements in 3 to 4 business days. 

After no payoff request, on XXXX XXXX, XXXX we followed up by phone with OCWEN who told us that appraisal was dated XX/XX/XXXX. After further conversation they admitted they had most recent appraisal but it was n't in color. We were asked to send another copy, right away and they would send payoff requirements within 24 hours. We immediately replied, sending another copy of the appraisal by email. 

On Friday, XXXX XXXX, XXXX we received a letter indicating that they need yet another 4 days to send payoff requirements. 

One annoying issue is that we ca n't get a central point of contact at OCWEN. We get name/id when we call but on follow up calls we can not get back to prior contact and when we ask for return calls we often fail to get them. 

Is there anything you can do to assist us in getting payoff requirements? 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: CITIBANK, N.A.
State: OH
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed XXXX. One main is reporting XXXX to the credit bureaus. The larger amount includes interest for the full term of the loan 54 months. I contacted them and they said it is a requirement by law, i explained that this was hurting my credit. I would like to have someone make them change the amount to the {$8000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have owned my home since XXXX but am danger of losing the home to foreclosure because the agents at DiTech will not allow me the opportunity to be considered for government programs for FHA loans. I refinanced into an FHA adjustable rate loan in XXXX through XXXX XXXX and this lowered my monthly payment. My loan has been transferred a couple of times and it is now held by DiTech. Last year I was XXXX and had significant medical bills that wiped out all of my reserves and put me in a tough situation. To make matters worse, my roommate lost her job and was not able to help out with her portion of the bills. I fell behind on the mortgage payment and reached out to DiTech to see if they had any programs to assist me. They told me they could offer a repayment plan, but when I received the paperwork I realized that this plan raised my payment over {$300.00} a month. This was not something I could afford.. When I inquired about modification, I was told that I needed to refinance my loan. This did not make any sense because I was already behind on my mortgage and I knew that was not allowed. I then attempted to get a review initiated for a modification but the DiTech agents stated that my rate is already low so I ca n't be considered for any other options and that now they were going to foreclose on my home. 

This is an FHA loan and I know that there are several programs available for struggling homeowners, such as modification, forbearance agreement or partial claim. I am certain that I fit the criteria for some or all of these programs and I am extremely upset that DiTech seems to think they make the rules instead of following federal guidelines. I was recently diagnosed with XXXX and was overwhelmed with significant medical bills that put me into an unfavorable financial position. In that same time frame my roommate lost her job and has not been able to pay her rent. These factors led me to fall behind. I am able to afford a fair and reasonable mortgage payment but need DiTech to consider me for ALL available programs, not just a repayment plan that increases my monthly obligation. I have a good job ( have been there 25 years ) and if given the chance I will make all payments as agreed. DiTech just has to understand the situation. I have even attempted to resume making mortgage payments but DiTech has refused to accept these payments, telling me the only option is to repay the entire amount due in one large sum. 

I am concerned that DiTech is not allowing me access to all government programs because they know the loan is insured by the government and they just want to cash in. I want the opportunity to fix it, and wish to file a formal complaint against DiTech in order to get them to play fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that some accounts on my report were not mine.

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 2022-01-21
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Champion Morgage Company charging large inspection fees as part of payoff.. no inspections were needed or necessary. There was someone in the house at all times. 

There were also inappropriate / fraudulent servicing fees of XXXX $ each month. The company was charging interest on this loan every month. 

Champion has the worst customer service..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AmSher Collection Service XXXX XXXX XXXX XXXX XXXX XXXX AL is trying to collect for XXXX some debt which is not mine. I have never had a XXXX account. They apparently located my name on the internet as being connected with the owner of the account, but I was not their customer and I did not guarantee any account that any entity had with them. Their collection actions were entirely unknown to me until I viewed my consumer credit report on XX/XX/19 after being denied credit by XXXX XXXX. They have damaged my credit history and caused me be denied credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing hard inquires on my credit report because this is fraud and does not belong to me. 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 2022-07-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

US DEPT. OF EDUCATION/XXXX  Account Number XXXX XXXX US DEPT. OF EDUCATIONXXXX Account Number XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: CrossCheck, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2019 I wrote a check to XXXX and it was cleared through their system that the funds were available, as I was getting a {$3000.00} loan to cover the check that I was writing for {$2500.00}. I attempted to logon to their site to set up a payment plan to settle this, however it didn't work. I then e-mail saying my account was showing invalid. Today, XX/XX/2019, I was called by them, they have been calling me daily about 10 times per day, and I answered. During the conversation I was told that I had to pay the full balance in 48 hours or charges were going to be pressed and I had knowingly written a bad check, however I continually stated this was not that case and I had and could prove I had loan documentation to prove that the money was to be in the account. 

After several back and forth statements, he finally said if I do not make a payment by Tuesday XXXX then I will be reported to the local law officials. 

This is not fair and very threatening as I was not defrauding them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have used a Citi credit card for years without problems, paying it automatically in full monthly with my only checking account from XXXX ( credit union ). While logged to my credit card account last summer, I was offered to open a Citi accelerated savings account, which I accepted. I sent money to Citi several times from my checking account in XXXX. Unknown to me, the debit card for this new account was delayed several months. In XXXX one or two Citi cards got to my house, which I share with my son who has the same first and last name, but different middle initial and SSN. My son, who also has a Citi credit card, opened both and called Citi to tell them they were not his. Citi did not attempt to contact me at my phone and email address I reported when I opened the account. Citi listened to a person, my son, whose XXXX does not match the account in question, but blocked my savings account and withdrew the funds, more than {$84000.00}, on XX/XX/XXXX. I learnt this when I got the monthly statement in XXXX. I have called about XXXX times spending about XXXX hours trying to get explanations and have it fixed without success. I have been told the money was returned in XXXX to my checking account, UNTRUE. I was then told it was returned to the checking account on XX/XX/XXXX, UNTRUE. I was told to call different departments in Citi and all of them send me to a different one. I was told to go to the Citi local branch, which does not exist in my entire state. Finally, Citi closed the account and told me they are withholding the money until my XXXX bank sends them legal documents ( a Hold Harmless form ), which XXXX does not want to send because they normally do not do that. So, Citi is preventing me to access my funds despite me having submitted to Citi copies of my passport, utility bill and original from XXXX ( verification of account ownership ). I am now retired and will soon run out of money in XXXX. I do not get SS yet and Citi keeps saying lies and using delay techniques to avoid returning my money to me. 
Citi, without checking XXXX 's, talked about my account to somebody ( my son ) who said this account was not his, instead of taking to the owner, me. With faulty information Citi closed my account as a result. As of now they have not returned my money to me and since my Citi account is now closed, I am not sure I am earning money there. 

Please help to have Citi fix this problem which was created by its employees acting foolishly while listening to somebody who was not the owner of the account Citi promised to keep for me and me only. Even worst is the set of lies and delays Citi is using to avoid returning my money. I simply do not trust Citi anymore. It is a shame how they take advantage of people who are not millionaires. Help!

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 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the CENTRAL LOAN/CENLAR partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-12-27
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking account with PNC bank for a long time. I noticed that this bank start charging a fee of {$3.00} as check images in statement fee on XX/XX/XXXX & XX/XX/XXXX.  I never issued a check during these two months. This bank is harassing me for no reason. The customer service of this bank was very bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : AMEX Account Number : XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer XXXX XXXX and the person AMERICAN EXPRESS Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.You have 10 calendar days to update my payment history or delete all late payments from the below account AMEX Account Number : XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear National Credit Adjusters, I just discovered that even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify their accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.

Company response to consumer: Closed with explanation