BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a collection notice from XXXX ( original creditor Synchrony Bank ). According to XXXX consumer access, this agency is not licensed to collect debt in the state of MA, where I reside.

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 2015-06-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
my wife and I, have an account ( credit card ) with Lowes, we purchased a Refrigerator almost two years, we are making payments. payments are schedule on the XXXX of every month. on XXXX XXXX I sent my payment online using their website, two days later I went online and checked my balance and I notice they had charged my {$38.00} late fee. I called them to fine out why they charged me late fees and the reason I was told is that the payment was posted the following day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have paid my loan within XXXX days of the due date but the mortgage company has not put the payment to the loan until after XXXX days and then places that I am XXXX to XXXX days late on my payments causing my credit rating to drop and making so I cant refinance and use my guaranteed VA home loan saving us thousands. This is not the first time. We had a problem with the in the past saying we had missed XXXX payments and it was from before they got our loan. I have spoken with OCWEN mortgage a couple times on this matter, they agreed my payments were current and paid within XXXX days but payments not applied until after. That 's not my problem. They payment was made within the XXXX days and needs to be made right on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Hunter Warfield I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Hunter Warfield in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I received a loan modification from OCWEN and have made all the payments before the due date but they have assessed a late charge for every payment and have ignored my requests to have them removed even after I provided bank records. I assume they have reported the late payments to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing : pass company name 's Option one, Homeward Residential, American Home Mortgage Servicing , Inc. ( AHMSI ). They stopped taking the mortgage payments because they forced placed insurance and I never had a previous laps in insurance I just changed companies. 
After they realized this, they dismissed the foreclosure and continued to not take any payments for over one year. They never had the correct Social Security number so I could not talk with any one. 
After this time period they proceeded with foreclosure a XXXX time Also I learned that the mortgage company did n't have a license, the documents from the mortgage company stated that the note was lost and destroyed. 
The mortgage company 's attorney asked for a 45 day extension and it was granted and they took a whole year before they came back with an answer and then they tried to go straight to trial There was a trial date set and they did n't contact me or my Lawyer so the date was changed by the judge They never had the correct Social Security number so it was always a problem to speak to them on the phone and this is from the beginning of the loan XXXX XXXX XXXX is a company that they always asked me to direct my mail to and the company was/is non-existent ... all mail was returned The service provider, company name " AHMSI, '' kept changing their name XXXX times because they had a class action law suite placed on them for forced placing insurance on their mortgage holders and then filing foreclosure on them. I have not done a modification today XXXX/XXXX/2015 I received a payment plan and I 'm still in foreclosure. We just got pass Ocwen lawyer trying to go to trial contact me or my Lawyer so the date was changed by the judge, now a payment. I just do n't understand how can this company get away with this.

Company response to consumer: Closed
Consumer complaint received 2015-03-26
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been denied a modification with OCWEN XXXX times. There are numerous servicing errors and documentation regarding ownership of the loan has been misrepresented which has contributed to my denial of a modification. I also had an attorney send a Cease and Desist Letter to XXXX XXXX, repping XXXX, in reference to illegal foreclosure actions taken in violation of MGL 244 s. 35A ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
It was on XX/XX/2018 and it was on XXXX and i purchased off of a stranger online using XXXX and it was a mistake i figured since they used it in the banks which my bank being td bank they are still saying i cant get my refund it was {$140.00} i lost and im pretty mad we dont get any type of protection so i decided to report the account of the person and make sure that he doesnt do it to anyone else i tried talking to my bank and nothing was done for me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: HW Holding, Inc
State: CO
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 was a resident of XXXX XXXX XXXX in XXXX, Tx. I recently moved due to a job transfer XX/XX/XXXX. I gave 30 day notice on XX/XX/2015. I was not contacted by the apartment complex until a couple of weeks ago when a collection agency sent me a notice that I owed almost {$1600.00}. I have never been notified about any past due charges prior to the collection agency sending me a notice.. I also contacted their corporate office. I was told that someone would call me back and no one has. XXXX XXXX advertises a gated community and the gate has never worked, I was without hot water for four days XX/XX/XXXX, dryers in the laundry room have been down for months, roach issues, stray cat issues. I was made to pay an extra {$300.00} deposit before moving in with no reason as to why.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a modification with Ocwen loan servicing on XXXX/XXXX/2015. I sent them a letter from my new employer stating what my new income would be and that I started my new job on XXXX/XXXX/2015. I did not receive my first paystub until XXXX/XXXX/2015. They sent my authorized 3rd party a letter stating that they were going to go through with the foreclosure sale on XXXX/5/2015 because I was not going to be able to provide them another paystub till after the foreclosure sale. I submitted this review almost a month prior to this sale and I have new income that they are not willing to review. Please help to allow for my review to retain my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
this company Hunter Warfield XXXX has been harassing my family looking for someone who owes them money when we have told them to please stop calling this number and they cont. they are very rude and threaten us with law suits jail etc ... Please make them stop

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I found my house value it is the same as when i first bought it and have put more money in it than I can sell it for. {$25000.00} my house is 117 years old I have been here 27 years paid all my mortgage payments I refinance in 2001 for XXXX still owe XXXX i feel like I am in a losing battle here. is there hope I can get a reasonable resolution I am paying 9.5 % home insurance is way high i am XXXX is there any good advice on this my income is {$29000.00} I just put in new furnace and roof bathroom electric. I am house poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN Loan Servicing Center, LLC Attn : Escrow Department XXXX, XXXX XXXX RE : Escrow erroneous payment collections & over collecting of funds not disbursed as claimed ( FRAUD ). 
ACCOUNT # XXXX I have called Ocwen for over 6 months now to correct my escrow account related to my home and it still has not been corrected. Attached you will find documents proving the following. 

1. Ocwen is over collecting for property taxed owned annually on the property. The city of XXXX tax Bill is {$2300.00} for XXXX Not {$2900.00}. That 's a difference of {$510.00} that was over collected and missing. 

2. See the attached receipt from the City Of XXXX showing that a payment in the amount of {$1200.00} was received on XX/XX/XXXX not the {$1700.00} as reported by Ocwen. Ocwen is not trying to collect an additional {$670.00} for a shortage they claim is owed on my account for XXXX taxes and a shortage for XXXX. 

3. According to my records OCWER over collected on the taxes for XXXX and are billing me for XXXX for more than what is actually owed? Ocwen 's records show the taxes are {$2900.00} but in actuality they are only {$2500.00} Again, over collecting for the year XXXX. I am being over charged annually and billed for over payments causing my monthly mortgage to rise annually. 

I would like a review of my escrow account to be conducted and every penny accounted for. I would like OCWEN To contact the city of XXXX to see why they show a payment of only {$1200.00} being made on my behalf in XXXX from OCWEN but Ocwen report a payment of {$1700.00}. OCWEN needs to find the missing {$420.00} that was not posted to my property tax bill and also not reflecting in my escrow account. This money did n't simply disappear!!! OCWEN needs to adjust my escrow account to reflect the correct annual tax amount to {$2500.00} not {$2900.00} so I am not being over charged and more money disappears. 

Once the escrow account is reviewed, and all money properly accounted for my escrow account should not reflect a shortage of XXXX at which time I respectfully request my escrow account be closed. I will start to pay my tax bill directly to avoid over charging, lost payments and release myself from what I feel is a completely incompetent escrow accounting system OCWEN partakes in. 

Please feel free to contact me directly at XXXX or by email at XXXX Sincerely, XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I am an 18 year customer of PNC XXXX. My age is XXXX and my current XXXX score is XXXX and my current XXXX score is XXXX. My net asset value is around {$400000.00}. Yesterday I was taking my 37 year partner ( age XXXX ) to the XXXX of the XXXX XXXX for a XXXX. We left the health care facility after XXXX and went to a PNC Branch office at XXXX XXXX XXXX, XXXX, OH XXXX. I had a small {$6.00} check from XXXX XXXX to cash and my partner deposited {$200.00}. When I presented my check with my signed PNC Bank Card I was told that I needed a driver 's license to cash it. I asked if the manager could approve cashing it. The teller said he is right behind you. I asked the manager if it was really necessary to have a drive 's license to cash a {$6.00} check when a signed PNC Bank Card was presented and if he could override it. In a very aggressive way he said, Yes I can, but I will not do it for YOU. I then strongly told him that everything he just said and did was on camera and in front of witnesses. Then he shouted across the lobby, " Do n't YOU ever come back to this branch ''. On the way out the door I looked at the manager and said, " XXXX XXXX, you 're going down. '' Meaning that the rude and unprofessional way you treated me is being reported to upper management. 

On my way home I stopped at PNC 's XXXX XXXX XXXX and asked XXXX how to report this treatment and just by chance an area supervisor was in the branch. I spoke to XXXX and she recorded what happened. When I got home I received a phone call from Officer XXXX XXXX Police Department. He told me that the PNC manager, XXXX XXXX, filed charges against me for threatening his life! 
CC : FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was less than a week late for my car payment, it was repossessed without even a call to resolve first. When I called to see if it had been repossessed or stolen, I was told they would no longer do business with me and there was no possibility of getting my car back. Bridgecrest then told me I may or may not even be allowed to get my car seats back because it was n't my car anymore.

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 2016-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX/XXXX/XXXX my husband and I submitted a loan application to Bank of America for a car. I really did not expect to get the loan since we had a bankruptcy in XXXX, but I thought it worth a try since we have been customers with them for the last 34 years. On XXXX/XXXX/XXXX we received an email from them stating that our loan had been approved. I was ecstatic. I called BOA to find out what our next step was and was told I would receive and approval letter to take to the dealership, fill out the necessary paperwork and be on my way. We did this and spent the whole day at the dealership but left with a small car. How horrified I was to about 4-5 days later I received an email that said we were denied. How could this be! I contacted the dealership and they told us BOA would not approve the loan for the 4.79 % rate, and our paperwork had been lost, so we had to resign papers for the 6.0 % interest rate, which took our note up by a small amount. WE went in and resigned the papers and again left the dealership. But more than a week later we again began to get derogatory emails from BOA saying we were denied. We again spoke with the dealership and they told us again that they had been informed by BOA that our paperwork was again lost. So the dealership had to go through trying to find us another lender, but when someone checks your credit report it causes your score to drop, therefore, today with the dealership trying to find us another lender our credit score has taken XXXX-XXXX inquiries taking it even further down. I truly feel that BOA has done some unfair practices with this deal, and now we are again at square one with no solution in sight. As I stated before we have been with Bank of America 34 years, without any conflicts, except the bankruptcy, so I only did what I had been approved to do when we went to the dealership, and BOA Has been totally dishonest with us as well as the dealership. How can they lose information twice in a row. I am attaching with this complaint copies of most of the correspondence we received from BOA, they even went as far as asking us to send in documentation after the second application was filed only to turn around less than an hour later and send out more denial letters, which they always sent it twos.

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 2021-01-18
Company: EQUIFAX, INC.
State: MS
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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
After my small business failed the only option I had for a credit card for my new business was a secured card through Capital One. I signed up for this account, deposited {$2800.00} do bring my available credit line to the maximum {$3000.00} limit. My complaint is based on a recent transaction that was declined because I was three days late on my payment. There are plenty of funds on my account to cover this transaction. I have a payment scheduled for this account today three days passed by due date and yet they still decline my transaction. I feel that this is an unjust practice considering that I have available secured funds and that I 'm only three days past my due date - can somebody please tell me if this is an acceptable business practice?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Capital One closed XXXX of my credit cards without notice or consent. Two years of credit down the drain with dramatically affected my credit score. Policy of return payments is not explained properly and when cards were closed I was not given notice in any form until I went to make a purchase AFTER I paid both of the card off in full. Also ; I still have not received my security deposit as they were secured credit cards ; equaling in the amount of {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, 2015 I called XXXX. I verbally requested that they send me verification that they owned the debt. I also wrote them on XX/XX/XXXX and have yet to receive anything from them at all. I have requested that they stop reporting to the credit bureaus and they have not stopped. When I disputed it with the credit bureau they responded back stating that XXXX sent them information stating that they own a debt that I owe. Well, I 'm still waiting on this as I have a right to see that they do in fact own any debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have never had the service of XXXX XXXX. I have now called them twice and verified that fact through my social security adresss and DOB. This is an odvious result of my ongoing ID theft issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Other

Complaint:
We field a prior complaint with CPFB regarding wrongful negative reporting by Kohls department store. We filed a complaint with all XXXX bureaus. XXXX repsonded by letter and removed the negative reporting ( attached ). We heard nothing from XXXX. After several phone calls to call centers we learned that XXXX had no record of a complaint. We filed for the third time. We contacted XXXX, after several attempts and supervisors, they stated that Kohls said the information was correct. They advised that we file another complaint. I understand that Kohls was to have reported to all XXXX buraeus, not just XXXX. This confusion is causing my family great stress. After filing Chapter XXXX in 2011 we have been working XXXX to get back on our feet. We have made an offer on a home and we are about to lose it because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: BYL Collection Services
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX Account # XXXX no contract no signature

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