BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a XXXX loan with Ocwen Loan Servicing. Back in XX/XX/XXXX, I applied for a loan modification and refused the offer. I did not send the paperwork back nor did I agree to the terms verbally. I continued to make my payments every month in the amount of XXXX. After I told them that I was trying to refinance my loan, the company begin an harassment everyone month, when they did not receive my payment after the XXXX day of the month. The company held my XX/XX/XXXX payment because they said that I was on the loan modification program and I continued to tell them that I have never accepted so, they withheld my payment and did not post to my account and reported to the credit bureau that I was late so, now my credit has dropped points due to their mistake and their retaliation against something that I would not agree to them. This company is a very dishonest company and they are bullying their customers and will take any measure to have them stay with their company. I am requesting that they fix my the credit report to credit bureau 's all three immediately. They have no grounds of reporting negative data to the credit bureau if they do n't receive the payment within the 31 days of when the loan is due. I have bank statements that track my loan and they have the loan payments in the system that have these documents as well. Last, I would like for them to decrease my interest rate to 2 % for the remainder of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had set up a direct payment of monthly mortgage from my brokerage account. OCwen was pulling payment from the account. I moved the brokerage account and set up an auto payment EFT TO Ocwen. They did not stop trying to pull from the old account after being notified of the new account. The mortgage was being paid from the new account but now they have put a restriction on the mortgage and want payment by bank check or money order EVEN thought the mortgage has been paid each month on time from the new account. Ca n't get it resolved with there " customer service ''. Frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial was sold my mortgage by XXXX XXXX loans in XX/XX/2021. As part of this, BSI took over paying my home insurance policy from my escrow. They failed to do so. 

When it came time to pay the home insurance, BSI mailed the check to an address ( XXXX XXXX XXXX, XXXX Florida, XXXX ) that is not associated with the home insurance company that provides my home insurance. I received no explanation why or how this happened. When I discovered this, right as my home insurance was about to be cancelled for non-payment, I had to spend 6 hours across 4 different days trying to get BSI to cancel the original check, issue a new one, and then contact my home insurance provider with the new information to resolve. 

Upon being escalated to management ( XXXX ) on the day prior to having my insurance cancelled, management confirmed to me that they will personally contact my home insurance company with the check information upon it being issues to stop the insurance policy from being cancelled. XXXX called me the next day to confirm that this happened, however, my home insurance was STILL cancelled, and when I called them to understand what happened, the Home Insurance company has NO record of any call from BSI financial around this topic. I had to once again work directly with XXXX XXXX XXXX to address this situation, and had to work to have it renew. 

tl XXXX XXXX XXXX When it comes time for BSI to pay for your home insurance, please call them to verify what address they sent it too, as it may not be the address of your home insurance company. Also, please do not trust their support/management around any actions they claim they will do on your behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On Wednesday XX/XX/2021 at approximately XXXX, I received this text message which I DON'T have a BofA prepaid card : " Bank of America EDD Debit Card Alert : Your Bank of America EDD Prepaid Debit Card has been temporary suspended. Please click the link below to re-activate your Bank of America EDD Prepaid Card to continue using.

XXXX XXXX XXXX. '' This message was texted to 5 other telephone numbers. This is not the first time I have received such text messages and in most cases I deleted them.

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 2022-07-13
Company: Telsa Motors Inc
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
My solar roof was installed in XXXX of 2021. Since then I have been making the required payments on the loan, but the product has never been fully-functional. I am paying for a product that is not functional, and the company has been out to fix it several times, but they have not fixed it. It is still not operational and the company is no longer responding to me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: LD Holdings Group, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
So Im filing a chapter XXXX bankruptcy and getting this loan depot calling me over the last few days and requested them not to call and remove me from there list and Im on the do not call list. They continue to call and laughed and told me complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft these have been rough times for me and my family. We have just been able to move in our new home, they did a soft pull on my credit and revealed that I have unauthorized items that I shouldnt be responsible for

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 2016-10-11
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing statement

Complaint:
I was never sent a credit card bill for my purchases. Multiple months of late fees and interest accumulated. I finally found the bill as I was updating my address. Citicorp told me I placed a " cease and desist order on my phone number, which is untrue.

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 monetary relief
Consumer complaint received 2022-03-18
Company: Frontier Consumer Law Group, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Fast Track XXXX has called me to the point that it is harassment. They have been advised that my name is NOT XXXX and that they are calling the wrong number. They continue to state that I filled out an online survey asking them to call which is completely false. No matter how many times I ask them to remove my phone number from their system, they continue to call. They have masked their phone number to show up as a local phone number in my area. The most recent call came from XXXX and shows as being located in XXXX, XXXX where I live. They have stated that they are located in XXXX XXXX and that this is where they are calling from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
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:
I recently reviewed my credit report and I noticed that there are some inaccurate accounts that are reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I also have no idea who would have access to my credit report. Now because of this, I have no chance of acquiring new credit. Please conduct a re-investigation into this matter and have those derogatory accounts removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Requesting that my XXXX late payment be removed as we weren't aware our autopay we had set up didn't go through. Our financial institution had a glitch and it was out of our control and we weren't notified otherwise we would've paid it right away as we have not had a late payment on this mortgage before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: GA
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 contacted experience fraud department representative by the name of XXXX at XXXX ( XXXX ) XXXX on XX/XX/2022 only to have him tell me that they conducted the investigation completely by the law, I did not know what I was talking about, and that he was going to end the call because I was refusing to except the lies that he told me. I explained to him that Section 609 of the FCA, gives me the right to see what the furnished sent to your reporting agency ( XXXX ) as evidence that the information is correct. But the information needs to be verifiable, so if it's not, it should be removed from my credit report. However, that information was never confirmed or provided to me. 
As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. I am entitled to see the source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: ERC
State: MS
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 checked my credit on my XXXX XXXX account and found a new debt on there from XXXX.I have XXXX XXXX internet service now and have never missed a payment.I cancelled tv service a few months ago and returned all equipment in boxes they provided.I have never been contacted by XXXX about this claim by mail, phone, or other.I have been at current residence for 3 years and my XXXX account has always been set up for monthly bank draft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Last year I made a complaint against Synchrony Bank regarding my Lowe 's Card. 2 days after that complaint was resolved they drastically decreased my credit limit citing my credit score,  which was inaccurate, and the fact I didn't have any real estate loans as the reason why. Since then Synchrony has continued to drastically decrease the limits of all the cards I have with them for various unfounded reasons. The latest was my QVC card three days after I made an easy pay purchase. This caused all of my QVC purchases to bounce back. I was denied the increase back to the original limit. All of this is completely a revenge tactic for filing a complaint against them. I have only two charge offs on my account and those are currently from same company and are in dispute because the items were covered by insurance and I owe nothing. There's no other reasons they would lower my limits and none of my other credit cards from other companies have been lowered without my request.

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 monetary relief
Consumer complaint received 2015-07-21
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen loan servicing assumed my mortgage roughly 2 years ago. When they assumed the loan, I had a payment trailing due to my husband losing his job after a XXXX related to his XXXX XXXX. I have tried multiple times since then to resolve the issue. Ocwen will only offer me loan modification and that is not likely due to my current credit issues. I have paid extra to Ocwen but they hold the extra that is paid and do not apply it. Currently there is {$350.00} sitting somewhere and not being applied to the mortgage ( see attached pictures ). Ocwen has also charged me fees such as {$25.00} to come to my home to place a note on my door stating to call them because of a late payment ( payment that was not paid when they assumed the loan from XX/XX/XXXX ). When I called them about this issue they stated that they need to make sure that the property is still occupied. I demanded that this stop due to the fact that I was making a monthly payment to them every month and had tried to resolve the issue multiple times. It did stop at that point. 
In XX/XX/XXXX, my husband and I were forced to file bankruptcy due to him still having issues and being unemployed. I have been making my mortgage every month and intended to keep my home. Ocwen has filed paperwork stating that I have not made a mortgage payment to them since XX/XX/XXXX, though I have the bank statements and cleared checks to prove otherwise. 
This company is fraudulently attempting to foreclose and will work toward a resolution. They refuse to give a forebearance and place that payment at the end of the loan. They have only offered modification which I have explained I do not need. I can afford to make the payment but I can not come up with the over {$2000.00} in overdue and fees that they state that I owe. 
In XX/XX/XXXX, they refused to accept a payment from me because I was in Chapter XXXX even though I called to make a payment to them. After much run around, I was finally able to obtain an address to mail payments to and began sending my monthly payment to the address that I found. When I send the payments, it takes over XXXX weeks to clear and they are stating that they are not receiving those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hi, I opened a small business checking account with Bank of America in XX/XX/2021. I subsequently decided not to move my banking relationship for the business to Bank of America. I never funded the checking account ; not a single penny. 

Now, I receive a statement indicating the account is negative < $ XXXX for service fees. I called Bank of America to close the account and they won't unless I pay {$48.00}. I don't think this is right. I have no banking relationship with Bank of America and definitely don't want one now. One of the reasons I decided not to move forward with the relationship was the amount of their fees. It is unconscionable for them to extort these fees from me, which will only continue to grow if I don't pay them and then close the account. Please help! This is ridiculous. 

Sincerely, 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 monetary relief
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-XXXX  - Balance : {$6200.00} XXXX XXXX-XXXX - Balance : {$450.00} XXXX XXXX-XXXX  - Balance : {$11000.00} XXXX-XXXX-XXXX  - Balance : {$450.00} XXXX XXXX XXXX-XXXX  - Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : TH XXXX XXXX XXXX ) -XXXX - Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX - Balance : {$0.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried repeatedly to contact this company, I've constantly got transferred amongst agents that still couldn't assist me with the information I was inquiring about. This account is unfamiliar to me and I have disputed this account a numerous amount of times from all reporting agencies! This company has tarnished my credit due to an unrecognizable account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I Have a mortgage note with Bank of America since XXXX XXXX, 2007. My loan has been current thru the duration of this this note wit the exemption of a few late payments. I have been trying to modify my rate as it is at XXXX for a jumbo rate. 
I have been told that because my loan is current they would not modify my loan. Bofa had put me thru the modification process several times for years before I finally had a rep tell me that because I have a jumbo loan and current they would not provide any modifications like the do for people under $ XXXX k and delinquent. I feel that since I qualify for a modification otherwise and people with jumbo rates have been modified this is inequitable and I need someone to review my loan and get back to me as I have been round and round for over 5 years. This is discriminatory.

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