BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-18
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Once again for about the 8th time this year I am registering a complaint against Ocwen. They simply refuse to contact my XXXX to have them refund the money that that illegally sent Ocwen to have them ( Ocwen ) pay my XXXX. over {$27000.00} from an illegal and bogus bill that my XXXX sent them while this was being disputed in the court system which had not even been settled yet. And it was settled out of court and the XXXX was entitled to no penalties or fines for which they were paid from Ocwen anyway. 

Ocwen is constantly being sued and loosing on near daily basis for illegal activities. The SEC may also want to get involved with this investigation because I believe their stock is being manipulated too. Ocwen 's stock has went from an all time high of approx. $ XXXX per share to approx. {$6.00} per share for no reason. They constantly rip consumers off who probably do n't no better and disrupt peoples lives on a daily basis. As of right now Ocwen has completely ruined my credit along with my XXXX XXXX XXXX XXXX and their law firm XXXX XXXX XXXX. This needs to be addressed right now before Ocwen goes out of business and I am left without a home because of XXXX and XXXX XXXX condo assoc. nonsense and illegal activities. 
Also, when I look at all of the complaints on CFPB, Ocxen seem to have far more complaints than any other mortgage/banking firms operating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
In XXXX, I purchased from XXXX Mortgage my primary residence in XXXX XXXX Maryland for {$120000.00}. My mortgage was automatically transferred to XXXX Home Loans. In spring XXXX, I refinanced my mortgage with XXXX, taking {$80000.00} cash out to invest in a company called XXXX XXXX XXXX. As an investor, XXXX XXXX XXXX made the mortgage payments as a partnered investment. Therefore, I invested in a second home. The mortgage payments on my investment home, and primary residence, including the mortgage payments on the {$80000.00} refinanced loan amount, continued to be paid. In XXXX, the Maryland State 's Attorney ordered XXXX XXXX XXXX to seize and desist because it was found to be a ponzie scheme. Due to my inability to afford XXXX mortgages after the XXXX XXXX XXXX 's scheme failure, I defaulted on the investment property. But I continued payments at my primary home as the mortgage payment was manageable. 
Throughout the life time of my mortgage, it was transferred to several different lenders. XXXX XXXX Mortgage, XXXX, XXXX XXXX Mortgage, and now Chase Mortgage I began a loan modification with Chase Mortgage, and was lead to believe that I had to take what Chase Mortgage offered, or risk losing my primary residence. 
What concerns me most is the amount that I am now told that I owe on a home that I purchased in XXXX. It far exceeds what I expect to owe after having been in my home for over 20 years. I am no closer to owning my home now, then when I purchased it in XXXX. I feel that I am a victim of predatory lending. I am requesting the CFPB to assist with my concerns. My mortgage increased from {$120000.00} to over {$330000.00} and I only made XXXX refinance loan for {$80000.00} during the term of my mortgage. I must admit that I am not very savvy with all of the mortgage jargon, and I believe that I have been taken advantage of by the mortgage companies. As XXXX era Veteran and federal government retiree, I am living on a fixed income and would like your assistance. It is my hope, that as a consumer, you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Navient Solutions, LLC.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
It is on account twice with XXXX different amounts. The lower amount is correct due to me returning the equipment to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I found out about this debt after I got my credit report. I asked them to validate this debt with information and they have yet to supply me with it. I told them it is unlawful to try to collect a debt which includes reporting it on my credit report but they are ignoring my request for validation and neglecting the law by reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally bank offered a up to ten day deferred payment plan two months after I took the loan some 63 months ago. I accepted their deferred payment every month from the XXXX  of the month to the XXXX of each month. They automatically draw out the payment on the XXXX. To date there has never been a missed payment on this 75 month loan. Now every month the state on the XXXX of the month Im past due. Im not when they auto draft my payment on the XXXX. If this was the case why offer a ten day deferred payment. I have contacted them on numerous occasions throughout this loan to tell them to stop stating Im late when they set up this program. Today I argued with three different people. The payment will come out tonight as it always has done for the last 63 payments. I am tired of hearing Im in default when I am not. The second person spoken to stated that there is no delinquent payments in my history. None! This is what I get for paying on time every month and adhering to their offer and contract. The original date was the XXXX  of each month then why dont they auto draft it on that date. I want an apology and a credit score increase. The argument is easy on my part they breeched the contract. Not me. In fact I will on request supply all bank records at your request of XXXX XXXX payments and emails from ALLY saying two days after payment has been made thanking me for my on time payment. Enough is enough! Thank you for your time. 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 2015-12-19
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has misreported my payment history. I have presented to Experian copies of my cancelled checks which they will not acknowledge

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am filing a complaint against Bank of America. For the third time I have been sent a Mortgage Modification dated XXXX XXXX, XXXX. The modification that was sent doubles my current payment and there was a modification that has been completed, filed and recorded in XXXX County, Florida I have a completed Modification that was recorded XX/XX/XXXX. This is the second time I have filed a complaint against Bank of America for this same issue. I was assured by their Resolution Department earlier this year that the issue had been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2021-08-30
Company: VALLEY NATIONAL BANCORP
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 have these items that are not mine and i want them to be removed 1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX  This is not mine.

3. Identity Theft VNB- LOAN SERVICES INC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
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: Investigation took more than 30 days

Complaint:
Several law has been broken under the FCRA it over 30days Credit Bureaus never reply to my letter been sent to them to investigate my report, am XXXX XXXX about my credit based on different item been place on my report which is stopping for living my best life, I can't get any home or apt due to lack of investigation credit Bureaus fail to carry out on my credit which was so painful if I have to go to the supreme court for this I don't mind, cause many rules has been violented under the FCRA by Credit Bureaus which was really affecting me for living my best life as a lawful citizen of United State of America, I can't get a rent for myself and family, I was taken for granted my the Credit Bureaus.

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 2017-05-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan from  One Main Financial i n Louisiana on   XXXX   XXXX    2017.  I was not informed what pre computed interest meant exactly. My loan interest is over 20 %. I 'm still waiting on my documents from them to know the exact amount of interest. So now my {$5000.00} loan is {$11000.00}. The usury law for Louisiana has a legal max of 12 % for personal loans. They are breaking the law and fooled me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX XXXX XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX and XXXX  removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you

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 2021-03-22
Company: Aargon Agency, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida sold my count to Aragon agency. When I was admitted to the hospital I didn't know they didn't put in my fire rescue with my bill. So now I have a collection on my credit report that I owe {$830.00} to Aragon agency. I will not pay this I will wait to 7 years but I think we should be taken off because I never gave them permission for Aragon agency.

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 2016-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Non-bankruptcy derogatory items that are more than 7 years old from the date of original default remain on my credit report and a comment that they were previously investigated in a previous dispute over 6 months ago. Well the added 6 months has only made the items more egregious for remaining on my credit report. Negative items are reported twice - once as the original debt holder and secondly as collections items by a agency. This creates the impression to a prospective creditor that I am a higher credit risk than I actually am, because I have twice the number of derogatory items than I should! Inquiries that are more than 2 years old still remain on my credit report.

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 2016-07-28
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
was involved in a accident at work and employer agreed to pay medical bills. This is a outstanding bill from that accident.

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 2016-11-04
Company: The CBE Group, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get multiple calls from XXXX, XXXX, XXXX, and other numbers. Sometimes its a person most times they just hang up when i answer. They ask for my social security number or address to verify my identity and will not tell me any information. One representative told me if i did n't verify my information they would just begin seizing property from me. Multiple calls a day up to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I consolidated my federal student loan debt, in order to simplify repayment and reduce my monthly payment total. Today, I have $ XXXX in unsubsidized debt and $ XXXX in subsidized debt. I have chosen to go back to school for a PhD, so my loans have been put in deferment. The subsidized portion is not gaining interest, but the unsubsidized portion is. My income ( a stipend ) is just {$1900.00} per month, but I am still making efforts to repay my loans as scheduled ( {$550.00} per month to my federal loans ; {$300.00} per month to private loans ). Some months, I am not able to make the full payments, but wish to make interest only payments ( currently {$350.00} per month for my federal consolidation loan ). Unfortunately, the structure of the consolidation loan does not allow me to make interest only payments. If I make a payment in the amount of the unpaid interest, a portion of the payment is allocated to the interest on the unsubsidized part of the loan and a portion is allocated to the principle on the subsidized part of the loan, ultimately leaving unpaid interest on the loan. While I am in school, it makes the most sense to first prevent interest from accumulating on the unsubsidized portion of the loan, then allow any excess payment to be distributed toward principle. In order to pay the full interest each month, I need to pay an amount greater than the interest. Most months, this helps work toward my goal of paying down the principle, rather than make interest only payments. However, I am left with little flexibility at times when my budget is tight. My only option is to pay what I can, knowing that my money is not being allocated in a way that is in my best interest. The servicer of my loan, Navient, has told me that there is no way to allocate my payment as interest only. It seems the system was designed this way to make it more difficult for me to pay down my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Statebridge Company
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to State Bridge Company from XXXX. I can not get anyone to answer my phone calls at State Bridge. I have spend well over an hour on hold for days at a time. I leave messages and the messages are never returned. I filled out the paperwork to have my mortgage payment to be taken out of my bank account every month. The first month the money was not taken out and I spend over a week calling. I finally go ahold of a person and my mortgage was taken out of my bank. My second payment still has not been taken out and I can not get ahold of anyone!!! This is so frustrating. I do n't want to pay online because I fear that I will then be double charged. Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: AMERICAN HONDA FINANCE CORP
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
It is showing up as a negative mark on my file, even though it is paid off in full. I have called Honda Finance as well to ask for relief and to have it corrected and they will not. I am trying to get my credit in order after my divorce to be able to purchase a house, and something like this is keeping my score down. I pray for relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife had XXXX a while back, insurance approved it so she had the XXXX, then thay denied it. She did finally get the insurance company to pay the bill. Now the collection agency is wanting us to pay {$5000.00} in interest for the XXXX! This is not right, why should we be responsible for interest when then isurance company agreed to pay for it. The collector is credit collections bureau, and we already paid {$9000.00} in a garnishment previously to getting the insurance company to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Transaction issue

Complaint:
My wife, XXXX XXXX, and I are the victims of a fraud committed by XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) on XXXX XXXX, XXXX in violation of the Consent Order entered by New Jersey Division of Consumer Affairs against XXXX XXXX, In re : XXXX XXXX XXXX XXXX, XXXX Div. of Consumer Affairs ( XXXX XXXX, XXXX ) ( effective through XXXX XXXX, XXXX ). By way of complaint against XXXX XXXX and its sales representative, XXXX XXXX ( " Sales Representative XXXX '' ), XXXX XXXX and I state:1. On XXXX XXXX, XXXX, we test drove a used XXXX XXXX XXXX, XXXX XXXX, bearing the Vehicle Identification Number ( VIN # ) XXXX ( " XXXX XXXX '' ), at XXXX branch at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 


2. We later purchased the same XXXX XXXX from XXXX for a total of {$22000.00}, including more than {$14000.00} in credit from my wife, XXXX XXXX J.P. Morgan Chase & Co. Small Business Credit account. 


3. Before purchasing the XXXX XXXX, my wife and I noticed an orange image on the car 's dashboard ( " Orange Signal '' ). During the test drive of the XXXX XXXX, we asked Sales Representative XXXX what the " Orange Signal '' represented since we had never purchased or owned a XXXX XXXX before. In response to our inquiry, Sales Representative XXXX represented that the " Orange Signal '' light was due to the fact that : " The car needs an oil change. Just take it in for an oil change and that light should go off. '' Sales Representative XXXX further represented that even if the orange warning light indicated a more serious problem, we could simply take it to the XXXX dealer and get it fixed under XXXX XXXX " bumper-to-bumper '' warranty or any other warranty we chose. 
4. XXXX XXXX 's claims were false and fraudulent. At the time XXXX and Sales Representative XXXX made the above representations to XXXX XXXX, both knew : ( A ) That no used car warranty for the XXXX XXXX XXXX would cover identified, preexisting conditions of the car, ( B ) That the orange warning light indicated a serious problem with the XXXX XXXX emissions, which would not be fixed by Sales Representative XXXX suggestion of " an oil change, '' and ( C ) That XXXX XXXX and XXXX XXXX would likely not purchase the car if they realized the problem with the XXXX XXXX engine because they had stated to Sales Representative XXXX that they " hoped the orange light did n't have anything to do with the engine, '' which prompted Sales Representative XXXX suggestion of " an oil change. " 5. When we took the XXXX XXXX to our mechanic immediately after the purchase, he informed us that there was a serious problem with the car 's interior emission system, which was indicated by the " Orange Signal '' we had asked XXXX XXXX about. It cost us more than {$1200.00} to repair and XXXX XXXX XXXX XXXX and Sales Representative XXXX now refuse to pay the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There were two Navy Federal credit cards reported on my credit. I reached out to Navy Federal and advised they were open as a result of identity theft. An ex-boyfriend had access to my account and personal information and opened the credit cards in my name. I advised this to Navy Federal Credit Union but they didn't remove the account, they said they were not fraud.

Even though I was not the person who opened the accounts I still felt obligated to pay off the account because they used my information and I wanted to maintain a good relationship with Navy Federal Credit Union. I paid all of the balances in full, I did not settle. 

I paid all of the credit cards in full but they are still being reported on my XXXX report as a CO, and is the only account on my credit report that's negative. This needs to be corrected. 

This item being negatively reported to my XXXX report is preventing me from getting approved for other accounts and or credit cards. I currently have a great relationship with Navu Federal Credit Union and I want to maintain that great relationship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation