BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-18
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing has been threatening to foreclose for over two years now, even though I have proof of EVERY payment made since XX/XX/XXXX, before they took it over. I have read horror story after horror story, never-ending, about people in the same boat. They are attempting to escrow for insurance that I pay myself at XXXX time the rate, in order to get kickbacks from their affiliates, one of them being " XXXX '' ./XXXX I called and asked for a " pay-off '' amount to make the harassment cease and desist. TWICE I mailed a check for the amount they gave me. They have so many " departments '' and so much outsourcing to XXXX that one hand has no idea what the other is doing. If my paralyzed son did not live in this residence which I bought and equipped for him, I would GLADLY tell the XXXX to TAKE IT. However, he is XXXX for over 30 years now and has nowhere else to go. I have read that one recourse is to let them illegally foreclose and then lawyers would jump all over it, but I do hate to see my son XXXX in the street through no fault of my own. I just yesterday read an article about a " granny '' who has never missed a payment since XX/XX/XXXX until Ocwen took over and sent her a bill saying she owes {$30000.00} ( yes that 's XXXX XXXX ) in " fees ''. When she and her son contested it, thought it was a computer glitch, the figure magically went down to XXXX XXXX, with no explanation. They are still to this day enduring the XXXX I am going through. There are SO MANY STORIES of this nature that I find it impossible to believe that these people are humans, much less allowed to operate as a " legitimate '' business. I thought that this was the USA? What happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed and given proof of payment and that date was wrong at least 20 times and they take it off and then put it back on thru XXXX, XXXX and XXXX all XXXX at XXXX time even that they have the copies of payments showing paid and copy of class action suit that XXXX XXXX XXXX lost for charges over charged. And letter from California TRADE COMMISION AS WELL AS CA. UTILITIES COMMISION TO TAKE THIS OFF MY RECORD. 
That Equifax has reported the wrong dates of the original dates that XXXX XXXX XXXX was opened and closed over and over and refuses to go by original creditor Dates opened and closed THAT EQUIFAX HAS PUT A 7 YEAR FRAUD ALERT ON MY CREDIT REPORT AND HAVE MAILED THEM FAXED THEM AND FILED A REPORT FOR THEM TO TAKE OFF Fraud Alert and have refused to date. 
That Equifax Has cost me many problems Financially and mentally as well as going to be homeless from there wrong doings and cost of there abuse and not reporting information correctly and re reporting information they no is not true and or correct. 
Equifax Has refused to put all my accounts on record or the correct credit limit of XXXX on my credit cards. 
Equifax has cost me new credit and cost me many credit inquiries from there false record reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: PARKS TITLE COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
IN CASE XXXX YOUR CLIENT XXXX XXXX DECIDED ON XX/XX/XXXX TO LIE IN HIS SWORN TESTIMONY AND WHILE ON THE WITNESS STAND 1..SAID HE HAD NEVER SEEN MY FACE UNTIL AFTER XX/XX/XXXX THE DAY XXXX XXXX SAYS XXXX XXXX CONDUCTED THE TRANSACTION SALE. 2. HE DO NOT KNOW XXXX XXXX XXXX. 

ONE QUESTION, ARE XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX THE REALTOR OF RECORD IN THIS MATTER? 

ARE XXXX XXXX XXXX THE REALTOR FOR XXXX XXXX DOING THE BUSINESS AT XXXX XXXX XXXX XXXX, MI XXXX IN XXXX?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax multiple times in regards to inaccuracies on my credit file. 

When I take advantage of the free credit report via XXXX ; I am told that I have not provided sufficient information to access my credit file.I am told I will need to send a paper request in to Equifax. A process that I have done XXXX. Each time I receive a letter back that my information does not match what is on my credit file. 

I managed to talk to a lady to start a dispute process which allowed me to view a little of " my '' credit file - to which I discovered that they have placed numerous items on my credit file which are not mine. 

I am XXXX years old and have never taken a loan out for anything. I have no credit cards. And I have only performed XXXX credit check to get a starter loan. Which is how I discovered this problem to begin with. 

They have mixed my sister 's name, and my name together. They have My first name, her middle initial, my last name ( she is married ), and her birthday. Along with the numerous items on my credit that are n't mine. 

I have provided them with multiple copies of my driver 's license ( South Carolina issued ), my Social Security card ( I have contacted the SS office and verified that only XXXX card exists for that number and I have it in my possession ), and a valid check stub from my current employer ( XXXX ). I have included a brief letter stating that they had my sister 's information and my information mixed. As to which their response was that I needed to send the EXACT information that I had sent with the same letter. 

I have ran out of options and have contemplated contacting a lawyer to speak on my behalf. I was provided the information to contact the CPB via a reference from my sister. 

Any help and guidance is greatly appreciated at this point. I am currently wanting to move forward with my life, but I am unable to do so because of this problem. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Movement Mortgage LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was informed by my mortgage lender, Movement Mortgage in XX/XX/XXXX that my loan was in forbearance and that my spouse, XXXX XXXX, was considered a successor in interest on my mortgage. I had received no paperwork regarding these loan modifications, nor did i agree/apply to them. I am the sole person on the mortgage and the deed and title are both only in my name. I was notified that XXXX XXXX, has been listed as the primary contact on the account with phone number as his for primary contact of XXXX and email XXXX On XXXX I was told to call back to get any update on the investigation into the forbearance and successor items in question. 

I called back on XX/XX/XXXX to cancel the forbearance as I did not know the terms nor had I applied. I was then told to call back the following week to get more updates.. 

I called back XX/XX/XXXX and was told they would process my request for documents/supporting application materials for these request and could take up to XXXX weeks. 

I talked with the XXXX XXXX  XXXX XXXX, HUD # HUD XXXX, and talked with their office on XX/XX/XXXX about forbearance and contacting Movement regarding these discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My complaint it against Equifax credit bureau. First, I am not disputing if the debt is mine or not, or if the credit reporting information is correct or not. I understand and acknowledge that the is my debt. I am filing a complaint because according to the new credit reporting rules, once a medical debt has been satisfied, it is to be promptly removed one 's credit history. I paid the medical debt last year and I am asking for it to be removed. XXXX was helpful and removed it with no problem, now I am asking Equifax to remove it. Below are multiple news links that ran articles about the new credit reporting rules. 

Here are the links from reputable news organizations detailing what the new credit reporting rules are : XXXX : XXXX : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Experian Information Solutions 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:
After reviewing my reports in XX/XX/2021, I noriced that I had a collection account. I then tried to request verification with no avail. It has now been more than 120 days and still have not received any verification.

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 2016-01-26
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Case number : XXXX : Your submission, [ Case number : XXXX ] XXXX XXXX XXXX Reply | To : Consumer Financial Protection Bureau XXXX XXXX ; XXXXXXXXXXXX & gt ; ; Tue XXXX/XXXX/2016 XXXX XXXX Good afternoon and now we have yet ANOTHER challenge in regard to the OCWEN error regarding the amount they WANTED as owed as to the amount they settled on a month ago. 
SO, I received all documents stating that the actual amount to be paid into ESCROW was still $ XXXX and, I 've already paid in {$1000.00} of it as they gave me NO OPTION FOR AN INCREASED PAYMENT for a year possibly, but we are taking care of it so by the time in XXXX the taxes are due again, the money will be paid in. AS OF THIS PAAST WEEKEND, I received a communication stating they noticed I was having a difficult time paying my mortgage and I HAVE NOT YET EVER MISSED A PAYMENT. Yesterday, I received XXXX notices of DEFAULT and STILL have not missed a payment as I continued paying the amount of the regular house payment owed as specified UNTIL THE ISSUE BECAME RESOLVED. THIS was my obligation until they resolved the error they had made. 
I do not want to be in fear of losing my home after all these years because of a mistake I DID NOT MAKE and Ocwen can not resolve. They did, as I said, give me an amount that was outstanding after they made all their adjustments from the near $ 30K originally stated and the approximately {$3400.00} that they are looking to be paid in however, no effort was made to contact ME since it was their error to have me perhaps pay in monthly as there was incidents where they have done that in the past if the amount was short for whatever reason. 
I have also contacted the Ombudsman office at Ocwen about the resolve and what I consider to be another gesture IN ERROR on their part since not many people can just " find '' {$3400.00} to plunk down for a mistake they did not make. 
Thanks again for your assistance and here is my account number with OCWEN XXXX. 
Money is, like I stated, being paid down from the $ XXXX they stated was the amount and {$1000.00} is already sent in and processed toward the total. Next amount would go to them on or near XXXX/XXXX/2016 and then the balance in a similar frame when income tax money arrives from tax return processing. 
Thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been experiencing financial hardship since XXXX of 2013 due to the process know as " sequestration '' I work in XXXX and have yet to recoup losses of personal income due to this political action by the US Congress. I have remained one month behind in my mortgage payments since that time. Now, I am receiving unwanted debt collection calls from a mortgage loan servicer at my XXXX office telephone. This mortgage servicing company ( Ocwen Loan Servicing ) took over my mortgage in 2013 as a result of a bankruptcy filing from GMAC. The company has been told not to call me at my office but the calls appear to be robo-calls. In addition, this company has imposed high cost fees and penalties onto my note in an effort to overwhelm and out distance any ability for me to rectify my loan payments and make them current in order to release my " default ''. I feel this is unscrupulous behavior on the part of this company. I want to bring my note up to date but because of this servicer 's automatic fees and penalties, I am in a deep trench. I need assistance to find and secure another lender to offer me a chance to refinance a new BETTER mortgage ; even if it is at a higher interest rate. I hold more than 60 % valued equity in my home, I am in the 16th year of a 30 year mortgage and was NEVER LATE for 14 years of payments under GMAC. I need to be out from under this company 's indifference so as to pressure the homeowner for profit along with my horror and anxiety over the possibility that I might lose of my home. Trying to negotiate with Ocwen has been a nightmare, they are not a lender and they do n't remember the request for assistance from one month to the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
The loan i have was for {$600.00} and I recently defaulted on my loan. The finance charge that I received was for {$500.00} and the ending amount that they said I would end up paying is {$1100.00}. I have already paid them {$390.00} and the letter that they sent me states I have an owing balance of {$460.00}. They sent my job a wage garnishment letter stating that I owe {$920.00} which my job signed and I am now being garnished. When I called today that amount has increased to {$990.00}. They have already received {$100.00} from me already through my wage garnishement so I do n't understand how I owe them this much when I have already paid half of this loan down. They are still charging me fees and interest after they claim that took me to court to get the amount of this {$920.00} that they say I owe but I know that amount is way too high.

Company response to consumer: Closed
Consumer complaint received 2015-03-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i contacted equifax to investigate XXXX collection account in my credit report that does n't belong to me : XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX XXXX XXXX acc # XXXX and XXXX/XXXX for XXXX XXXX XXXX # XXXX i requested documents and proof to validate the debt from the creditors several times and they respond was the inquire or was matter of record and i should contact them which i did and they still not provide me the proof to validate the debt knowing they are violating the FDCPA practices and rules and they wont re-open an investigation even if they never did since it is impossible to do it in the time frame they did XXXX DAYS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
A collection account from XXXX has been miss reported on my credit reportwith Equifax. I have disputed this with Equifax for over XXXX years and it still remains. This collection account has been removed from both XXXX and XXXX XXXX and XXXX companies have shared this information with Equifax. However, it still remains on my file with Equifax. I have even spoke with a supervisor at Equifax about this. It 's time they receive a {$1000.00} fine for non-compliance of FTC regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have tried to file a dispute with XXXX  and XXXX for this debt. There are several issues that are incorrect but the debt collector 'XXXX   XXXX XXXX XXXX ' has claimed their information is accurate. 

My bankruptcy completed on XX/XX/XXXX and I paid XXXX XXXX XXXX directly on their website with my XXXX credit card. I never received any statements beyond the first one, nor did I ever receive any collections notices because the debt was paid. 
As of XX/XX/XXXX a collection account appeared on my credit report saying that it was opened in XX/XX/XXXX, and that I owed 3 times as much as what I originally said directly to the hospital in XX/XX/XXXX. Not only should this debt not have gone to collections because it was already paid off, the hospital apparently sold my debt to collectors that opened a NEGATIVE remark on my report more than a year after my debt was paid. I have disputed twice to have them verify the dates but nothing has been done. If this can not be removed from my report, the least they can do is correct the dates to XX/XX/XXXX instead of XX/XX/XXXX. The collections account is still showing as OPEN on my XXXX  report, although it also says discharged w/bankruptcy below that. 
Ica n't do much until housing/vehicle wise until this is straightened out. Please 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 2016-10-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 have sent letters to Midland Funding and XXXX to have the account information reported removed from my credit report due to it not being mine and that they needed to prove it was mine by verifying my signature and neither company could verify it nor even tried other than to send me a letter stating that my account was sold to Midland and yet they both are reporting on my credit report. If it was sold, why is XXXX still reporting it? Neither could verify nor have they deleted it from my credit report. I gave them 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been trying to clear a XXXX XXXX account from my report since XX/XX/XXXX. 
This account was included and discharged in a Chapter XXXX Bankruptcy XX/XX/XXXX. I have repeatedly sent credit dispute forms to Equifax as they are reporting the account with a past due balance of {$100.00}. All Chapter XXXX accounts were paid and should report a XXXX balance. For some reason, they refuse to clear this XXXX account up and it is hurting my credit score and reporting negatively. The account was from XX/XX/XXXX. I have been working very hard to recover from a bankruptcy and trying to clean up my credit. Equifax just keeps ignoring my requests and never seems to resolve the negative status. All of the other XXXX accounts in the Bankruptcy are reporting correctly with a XXXX balance except for this XXXX. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX XXXX accounts listed on my credit report which I do not owe this company anything. These might be my daughters. I disputed them and want them removed and they are still listed. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: EQUIFAX, INC.
State: WY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
WHILE PURCHASING A VEHICLE, I WAS TURNED DOWN BY ALL THE BEUARAUS BECAUSE MY SOCIAL SECURITY NUMBER HAS BEEN REPORTED THAT I AM DESEACED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was out of school for XX/XX/2015, and before my grace period was over I signed up for a class in summer. I was under the impression that XXXX 3 hour class in the summer would mean, I am a half time student. Turns out It was n't and I am wrong, however, I contacted " Fedloan Servicing '' and explained the situation to them ( This is after I was reported late for my payments ). They agreed to put me on a forbearance, and I started paying my monthly payments. After that, I tried my hardest, to contact them about removing the late payments that they have reported and every time they tell me a different thing, I disputed the late payments 3 times, sent the credit bureaus copies of the forbearance letter, but I made no progress in getting those late payments removed from my credit report. My credit score is horrible right now, I had XXXX different loans, and each loan was reported late twice, so I have 10 missed payments. I 'm on the verge of losing my job if I do n't relocate, every apartment complex that I contact wants to run a credit check and I tell them to stop ( what a shame! ). Thanks U.S. Department of Education for helping financially during the hard times, but seriously you are XXXX exactly XXXX times as much as you helped me, and frankly your making my life worse than when I was just student with no income.

Company response to consumer: Closed with explanation