BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-20
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed bankruptcy in XX/XX/XXXX with the offices of XXXX. Greentree at the time was my mortgage company. They were charging me more and more money every month then tried to foreclose on my home that i purchased in XXXX. I was harassed constantly prior to filing bankruptcy. They sent police officers to my house more than once and even called my neighbor across the street to look for me to let them know they were trying to reach me because i was behind a payment. Now they have merged with Ditech who my mortgage has been turned over to and i had damage done to my home in XXXX from a hurricane. XXXX ( my insurance company ) has come out to my home and wrote me a check for {$5500.00} to fix the damages. It was written out to me and Ditech and i sent them the check on XX/XX/XXXX certified with a XXXX form from the man that will be doing some of the work that was needed to be done immediatedly and i still have not received a dime from them. I have just about had it with both of these companies abusing me. Please help me in anyway you can. I have contacted XXXX office and they have stated there is nothing they can do to help. I have contact the FTC and my next step is the XXXX. As of now my home has damaged skirting underneath and over the week my water pipes were frozen for 3 hours. There are 10 other mobile homes on my block that share the same well and if my pipes burst none of them will have water. Again, thank you for your time. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion continues to include the XXXX of my XXXX student loans in my credit report. They have deleted the derogatory remarks but any information re XXXX student loans should no longer be in my credit report. I defaulted on these XXXX loan back in XXXX 2007 thus it should not show up in my credit report. 

XXXX no longer shows any information on my XXXX loans. Neither does XXXX. Only TransUnion does.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Many of the credit items and inquiries are not mine. I am and have been working XXXX since 2012. I have only opened XXXX account XXXX. I tried to dispute the other items but the credit agency said they are mine. Completely incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX, XXXX, GA XXXX. My husband went into the office at CitiFinancial to fill out the credit My husband responded to a mailing advertisement for a loan from CitiFinancial Services Inc., XXXX XXXX XXXX application because of debt 's and credit cards. My husband signed the Disclosure Statement, Note and the Security Agreement on XXXX XXXX, XXXX. He borrowed {$65000.00} and used the house as collateral. At that time I was lead to believe by XXXX XXXX XXXX ( Loan Officer ) CitiFinancial Services, " By signing the Arbitration Agreement was just an acknowledge that my husband was getting a loan. '' This was misleading. 
My husband filed for bankruptcy a chapter XXXX on XXXX/XXXX/XXXX. Unfortunately, he passed away during that initial process. The courts then converted the chapter XXXX into a chapter XXXX on XXXX/XXXX/XXXX. The loan was discharged XXXX/XXXX/XXXX. CitiFinancial stated that I would have to pay the loan or foreclose on my home. CitiFinancial determined the amount that I had to pay to keep my home initially was {$660.00} back in XXXX/XXXX/XXXX thru XXXX. Then the payments due to my financial hardships were reduced to {$460.00} from XXXX until XXXX. In XXXX/XXXX/XXXX due to my financial hardships the payments were further reduced after a loan assumption calculated the new monthly amount being {$200.00} which is being paid currently. As XXXX XXXX/XXXX/XXXX the balance remaining on the loan was $ XXXXafter paying for the last 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am writing in response Legal Item XXXX because I do not believe I owe what you say I owe. This is the first I 've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. Kindly also remove this item with immediate effect.

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 2017-02-22
Company: BB&T CORPORATION
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Hello- I took a loan about 5 years with Regional Acceptance corp , loan was paid in full sometime in XXXX or XXXX in 2016, sometime in XXXX I contact Regional to get an update on the mail of the title and I was told that the tile was mailed to my address that I needed to wait a few days, a few days went by and I told them that I was still waiting on the title and their recommendations was to go to the XXXX office to request a duplicate, I been to XXXX different locations trying to obtain this document and up until now I been unsuccessful to do that, at XXXX they are telling me that they need a Lean release from XXXX in order for them to complete my request, XXXX is part of the corporation own by Regional Acceptance. I have contact Regional multiple times and request the lean release but instead the paper that they have provide me with is not the correct documentation. Im attaching copies of Statement of act, Power of Attorney & XXXX statement of fact obtain from Regional each time I have placed a call requesting the lean release. I can use some help since I do n't know what else to do or where to go. Im also including a copy of the registration /title inquiry from XXXX and a copy of the Application.

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 2015-09-23
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Amex credit card account from Macy 's had fraudulent charges on account ( an account which I have never used, and is opened automatically and in addition to the store revolving account ). In XX/XX/XXXX, I contacted Macy 's fraud department to get this resolved when I noticed the charges. I am still waiting on receiving paperwork from them to continue this process. I have spent countless hours on the phone trying to receive this paperwork, but am not receiving it at my house in the mail. All other mail I have no problems receiving from other people. They are unwilling to send it to my email or by registered mail. At one point for a few weeks in XX/XX/XXXX they shut down their phone system resulting in countless more hours spent on the phone with other Macy 's departments trying to reach the fraud investigation department. In the meantime, Macy 's debt collection has been harassing me, calling as much as 4 times a day, to try to force me to pay this debt that I do not owe from identity theft. I have spent countless more hours on the phone with them explaining that Macy 's fraud investigation told me not to pay this debt I do not owe, but they do not stop calling. Sometimes, when I start to yet again explain the situation, they just hang up on me. The departments are not communicating with each other, resulting in non stop harassment of me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid my collections account thru XXXX. They sent requests to all 3 credit bureaus. All but one took it off my report. Transunion still has it on my report. What can I do? I care about my credit report. 
Thanks so much

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
These people call from different numbers and when I call them they never address themselves. I do owe a credit card debt but I can not make any payments right now since i only work part time and I am in school. They keep calling my place of employment which is illegal and asking my co-workers personal questions about me. I need this too stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen became my mortgage servicer XXXX XXXX by XXXX and immediately they foreclosed on me. I got an attorney to fight but held up for awhile, during the time they were being suited, from everywhere, during the same thing they was trying to do to me. I signed a loan with XXXX XXXX XXXX XXXX in XXXX, with XXXX, than XXXX, then XXXX, now XXXX. XXXX still want provide my attorney with the proper information for the modification loan, they offered me. Something really need to be done, about this deceitful companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Well the saga continues after XXXX complaints and XXXX months later my deed in lue is still not completed and now the home owners association is planning on taking me to court because of past arrears that I can not not pay due to the fact that Ocwen has taken so long with completing my deed in blue that they said would take XXXX days. Ocwen continues to lie about their process and push me off. I recently receive foreclosure paperwork from an attorney about the house in question that Ocwen submitted to them. I contacted Ocwen and they told me not to worry about t and they can stop the foreclosure at any time they are just waiting for their attorney to get back to them. So about their attorney, they gave me the name and number to try and get in contact with " THEIR '' attorney who I found out if a family attorney not a mortgage or real estate attorney. After calling them back multiple times and spending time I found out they were never able to contact their attorney for many months and this was the delay. I told them to find another attorney, and they wasted all this time. I had to kick out the renters who are still waiting on their {$3000.00} from Ocwen to move out and Ocwen 's escalation team s horrible to work with everyone puts a priority on the escalation and nothing happens. There must be something to protect consumers from this behavior of the mortgage companies. Where can I go? Do I have to take them to court? I now have less than 30 days before they foreclose on my house that I have been trying to give back to them for over a year and their inability to do the right thing and provide professional services is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The creditor is reporting inaccurate information that my last payment was in XX/XX/XXXX when it was in XX/XX/XXXX to XXXX. If the correct information was being provided, it would be beyond the statute of limitations and I would be within my rights to have it removed. I wrote them a letter advising them to correct the information they are reporting immediately. The report they made to XXXX has no payment history, so the credit agency wo n't validate my complaint to 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 non-monetary relief
Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I called Experian on XXXX/XXXX/XXXX to try to have them remove a Judgement off of my husband 's credit report. Because it was filed XXXX but we were never contacted about it and it is holding up a Loan we are trying to get to Refinance our Mortgage. I was told they can not take it off until XXXX/XXXX/XXXX. So I filed a dispute with them today asking again for them to remove it because We never knew anything about it and the said Plaintiff XXXX XXXX XXXX XXXX. is no where to be found. Not fair to ruin our credit when we Do not know if it is even ours.

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 2016-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX has been adding a bill to my Credit and the Trans Union, XXXX and XXXX keep putting it back on my credit I was XXXX when this service was started and did not have phone service. It either belongs to my grandfather who passed away a year or so ago or Dad or one of the other XXXX XXXX XXXX in PA. This issue has cost me credit twice and I have repeatably tried to have it removed and either XXXX or XXXX collection agency keeps putting it back on my credit. Please get this removed and kept off my credit as soon as possible as I am considering changing jobs and I do not want this to interfere. It is related to XXXX and if it was related to XXXX XXXX XXXX XXXX PA XXXX or XXXX XXXX XXXX XXXX PA XXXX. I moved out of XXXX XXXX XXXX my Dad 's house in 2008 when I was XXXX and moved to XXXX PA this is not my bill and it is not right that credit bureaus have that much control over someones credit and have no consequences for their irresponsible actions. I know that is true because my mother has been fighting them for 6 years to remove the a serious delinquency report of her credit and they keep reporting it to everyone and sending her a different copy of her report without the serious delinquency on it.

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 2016-05-20
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received a escrow overage letter from my lender stating that my new payment would be less. 
I made the new payment in XXXX not realizing the adjusted payment was taking effect in XXXX. 
I paid the shortage ( {$70.00} ) but by then the lender had reported that I was thirty days late. 
Now it shows on my credit report as if I had not made a payment for over thirty days when in fact I had made a payment on time, just with the new amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Inquires that needs to be removed, customer service would not take care of it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card

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 2016-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I am a subscriber to TransUnion Credit Monitoring. An important part of my subscription is the Credit Lock / Unlock function. The Credit Lock / Unlock function works like a Security Freeze, but it is NOT a Security Freeze. I do NOT have a TransUnion Security Freeze in place and have n't had for many years. 

My TU credit file is locked. I used the Credit Lock / Unlock function to lock it a while back. Yesterday when I applied for credit, the creditor told me it was locked. When I pulled my own credit report copy via TransUnion Credit Monitoring, my credit report specifically states it is locked. 

However, when I try to unlock my credit report, the Credit Lock / Unlock function in my TU Credit Monitoring states it is already unlocked. This is false. So, I proceed to lock my credit report since I am told it is unlocked, but the operation fails. It has failed now for over a week. 

I called TransUnion Credit Monitoring several times. They stayed they have technical issues and will solve them within two days. They lied. It has been well over a week and the issues persist. 

Today I phoned again. The representative was in an overseas call center in XXXX. The representative was an XXXX and argumentative. Her employee number is # XXXX. She told me I have a Security Freeze on my file and need to go through the process to lift a Security freeze. That 's why, she claims, I can not manage my credit report lock status using the TU Credit Monitoring. The fact is I do NOT have a freeze. My credit file is LOCKED, but I can not unlock it nor can I lock it since it erroneously shows it is unlocked. I asked the representative to speak to a supervisor, but she refused.

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 2015-08-04
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I have been trapped and dealing with OCWEN since 2013 when I first lost my job. They said we needed to be behind on payments before we could qualify for a HAMP Program. We also hired a company that deals with OCWEN called XXXX XXXX XXXX, they told us along with OCWEN that they work together to help customers reduce interest, payments and ultimately save your home. We feel both of these companies have deceived and taken advantage of us especially by OCWEN saying they work with them. 

To date OCWEN continues to change the amount owed on our home, we have made our trial payments on three different modification plans, our interest rate to 4.6 % when in 2013 when we originally agreed to the plan it was 2.3 %, they extended the terms of our loan to 555 months even after paying on our original loan for over 8 years, they continue to add un explainable fee 's. We have not been offered any forbearance or any programs to help short term, they will not tell us why. Our relationship manager has changed two times and neither one would make effort to call us at times that were schedule by them or their staff. OCWEN continues to call 5-10 times per day saying that we need to make payment, even though we pay every month on time. OCWEN refused to accept our XXXX payment in any form unless we spoke with our relationship manager. We sent a check certified to the payment department, they recieved it but have not cashed it yet. 

Your help would be greatly appreciated, help with dealing with OCWEN and saving our home

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to another company. When I inquire about PMI insurance they are stating that the purchase price was XXXX when in fact the original purchase price was XXXX through my original mortgage company so they are not counting the {$29000.00} I already paid into the mortgage. I feel that I do have 20 % invested into the house and I have never been late on any payments.

Company response to consumer: Closed with explanation