BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-28
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
This letter is a formal complaint that Fedloan Serving is erroneously reporting derogatory late payment-history information regarding my student loans which they service, to the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX. These negative entries are having an adverse effect on the ability to obtain credit under favorable terms and/or denial of credit. These accounts were included in a forbearance granted by Fed Loan Servicing in XXXX. The forbearance means that no payments are due and therefore no payments could be late. 

Attached is a copy of a letter that I received from Fed Loan Servicing outlining the details of my forbearance from XXXX. 

Attached is a letter sent to Fed Loan Servicing, requesting that they remove all late payments. Fed Loan Servicing maintains that they are reporting accurate credit information to all XXXX major credit agencies, an assertion that I dispute. 

Fed Loan Servicing, in a written statement ( attached ), has further asserted that periods of forbearance do not remove accurate reporting of previous delinquencies, if any to the consumer reporting agencies. This stance is in direct conflict with the XXXX XXXX to XXXX XXXX XXXX, Office of the General Counsel, U.S. Department of Education, dated XXXX/XXXX/XXXX, as issued by XXXX XXXX, United States Federal Trade Commission. This opinion, attached to this dispute concerns the applicability of the Fair Credit Reporting Act ( FCRA ) to the reporting of additional information to credit bureaus about defaulted student loans. It states, " [ The duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ] extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' Therefore, Fed Loan Servicing has a legal requirement, under the provisions of the FCRA, to remove the late-payment entries being made to the credit reporting agencies for the above-referenced time frame, since the affected loans were not delinquent, but whose terms were satisfactorily satisfied through the proper application of in-school payment deferment and/or forbearance. 

I 'm requesting removal of all late payment information from these accounts immediately. Continued inclusion of this erroneous late payment information places Fed Loan Servicing in violation of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Delinquent account

Complaint:
XX/XX/XXXX Business was very slow at the company I worked for. Bills started to pile up and I worked out a agreement to pay {$800.00} within a specified timeline by Capital One. I paid the {$800.00}. Not once did Capital One say to me that it would be reported to the Credit Bureau ( s ) as bad credit. They are still reporting it every month even though we agreed on a amount back XX/XX/XXXX. Most of it was late charges. I find this misleading. I have great credit, I have a car loan and the payment is made every month on time. Had I known this " settlement '' would damage my credit, I would have NEVER agreed to settle. Now I 'm being told that nothing can be done about it. This is not right, it needs to be addressed so people know when a Credit Card company is indicating that they are helping you solve your debt issue when in a financial crisis arises by paying them a amount you both agree upon, they also need to communicate the later part, oh by the way you will still get reported to the Credit Bureau, after you scraped by to get the situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My property is a association maintained property which means they do all the maintenance such as cutting the grass and trimming of tress on a timely manner. This happens even when a property is for sale ( such as mine ). As confirmed by en email from the property XXXX there has been cases where a bank sends a company to cut the grass and trim the trees not realizing the property is a association maintained and the company charges the bank even though they dont do any thing ( my case ) I am demanding for Ocwen to refund me {$210.00} that they have charged me ( it is not my problem that the company XXXX is a dishonest company and charged them for the work never done ) .To cover themselves they even took some before and after pictures which is in black and white and you cant see any thing from them. That is not my issue and i need my refund as i paid a fee of {$97.00} a month to association for them to this work which has been done since i bought the property. i will hire an attorney to take legal action if they are not refunding my money now.i have send the email from the association manager with all above information to XXXX office of the consumer ombudsman as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have lived at my home for 13 years, my address on my credit report is correct. Dynamic Recovery Solutions added a {$63.00} collection account to my credit report in 2015. They have never attempted to contact me, but only put this debt on my credit report. I only learned of it because I pay for a XXXX score each month. 

On XXXX XXXX, 2015 I sent a letter to Dynamic Recovery Solutions requesting verification of this debt. To date, they have yet to contact me. Immediately after my original debt verification letter was sent to their company, this debt was removed from my credit report. Now, 9 months later, this debt has again been put back onto my XXXX credit report ( I do not know yet if the other credit bureau 's were contacted. ) I still have yet to receive any type of correspondence from Dynamic Recovery Solutions and have most definitely have not received verification that this debt is mine and that the amount due is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Please see attached NOTICE OF INVALID INSTRUMENT ( S ), NOTICE OF BREACH OF CONTRACT, NOTICE OF FALSE CREDIT REPORTING AND NOTICE OF CEASE AND DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had difficulty making my mortgage payments because of unemployment and my mortgage went in to Foreclosure. Fortunately I was able to recover it but now my mortgage company has tacked on " XXXX XXXX '' fees that were not included on the Reinstatement Quote. I have contacted them five times and have not received a satisfactory explanation of the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage is in foreclosure and I have filed for a loan modification. I have filed all the paperwork involved. This package was completed and submitted by XXXX/XXXX/16. My understanding is that under CFPB rules the bank had 30 days to respond to my loan modification submission. This has not happened. We are in mediation within the state of New Jersey and I believe that the institution involved, Ditech, is dual tracking this foreclosure action and not negotiating in good faith. I have asked for all original documentation and wet ink signatures regarding this mortgage and they have been unwilling or unable to provide the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I had a Second Mortgage with XXXX XXXX XXXX. In XX/XX/XXXX I fell behind, not making payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX., XX/XX/XXXX., XX/XX/XXXX. & XX/XX/XXXX. In XX/XX/XXXX I received a call from XXXX XXXX saying that the account had gone into collections. They wanted to know if I could settle the account, of course I didn't have the means. We agreed to a 2 year automatic bank draft commitment. The first payment in XX/XX/XXXX was for {$840.00} ; XX/XX/XXXX {$280.00} ; XX/XX/XXXX {$280.00} starting in XX/XX/XXXXthe payments would drop to the original monthly payment of {$150.00}. After the 2 years were up, I just continued allowing the payments to be withdrawn. In XX/XX/XXXX I contacted XXXX XXXX and stopped the monthly withdrawl because I felt XXXX didnt report the past 4 years correctly. 

At the beginning of XXXX XXXX reported to the credit bureau that the loan was charged off with a date of XX/XX/XXXX, so of course it appears I havent made any payments in over 4 years and the loan was recently charged off. I filed a dispute and they removed the charge off date as well as updated the balance on the loan but they added a closed date of XX/XX/XXXX. Hasnt this loan been closed since XX/XX/XXXX? 

My husbands credit report looks different than mine, his shows the payments for the last 4 years. These payments were made to XXXX XXXX who supposedly doesnt report to the credit bureau. If XXXX is a part of XXXX how could they write off the loan? I made up the 6 month delinquent payments in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. I think there are a lot of unanswered questions.

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 2015-05-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CASE NUMBER XXXX STATUS??? WILLFULL FAILURE TO POST PAYMENTS AS MADE. PRINCIPAL ONLY, plus monthly interest & principal. 
WHEN DOES OCWEN LOAN SERVICING , LLC have to REPLY??? 
Your letter said XXXX ago? 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech collected an additional month of PMI insurance after my loan was paid off. 
Statements show : PMI Disbursement for XXXX, XXXX 2016. Payoff amount included XXXX and XXXX 2016. The loan was paid off XXXX XXXX, 2016. Escrow disbursement after payoff did not include the additional PMI they collected. 
I called Ditech twice regarding this issue, they hung up on me once and the second time told me to request an account review in writing or they would n't address their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In an attempt to pay off my loan with Ocwen, I sent XXXX large payments to the institution on XXXX XXXX that would have decreased my loan amount to within a couple of hundred dollars ( you can not send XXXX payment that exceeds 80 % of the loan balance so I broke the payments up into XXXX XXXX. I scheduled the payments for the same day because I did not want any interest to accrue. After a few days, I noticed where the XXXX payments were withdrawn from my bank but that my Ocwen balance had not changed to reflect my XXXX payments. I called Ocwen on XXXX XXXX to ask about the payment. The Ocwen rep explained that because the XXXX payments were scheduled for the same day, that it exceeded the 80 % max limit. I asked Ocwen to return my XXXX payments. The rep said it would take XXXX business days. I called Ocwen back on XXXX XXXX when my funds had not been returned to my bank account. I gave them my account number and routing number to my bank, information that I am sure they already had since my monthly mortgage payments are debited from my account. They asked me to wait a couple more days. I called Ocwen back on XXXX XXXX. The rep asked me to be patient and assured me that the funds would be returned by XXXX XXXX. There were no funds returned to my account on XXXX XXXX. I called Ocwen again. I was asked to wait 40+ minutes on hold while the Ocwen rep put me in touch with an escalation specialist ( ES ). The ES told me that my funds would be reurned within XXXX hours and that he had put it in as a priority because I had called so often. There were no funds on XXXX XXXX. I called Ocwen again to see if there was a problem. There was. After speaking to a rep and another ES, I was told that my funds could not be returned to me! The ES said that he did not see my funds! He claimed to put me in touch with someone who XXXX be able to address my concerns. So that 's where I am now, on hold waiting to speak to yet another person! This is a significant amount of money and I fear that Ocwen is trying to get away with keeping my XXXX payments!

Company response to consumer: Closed
Consumer complaint received 2016-01-12
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage started on 2008 with XXXX XXXX, after 3 months they switched me to GMAC Mortgage. Since that time my monthly payment was {$770.00} which includes tax and insurance and I have no problem with them. Approximately 2 years ago GMAC Mortgage became bankrupt and they switched me to OCWEN Mortgage now is when my problem started, they increased my monthly payment to {$840.00}. When I called them they told that I have a shortage in my escrow and I have to pay {$330.00} right now. I paid it on the same day with a {$16.00} fee but my monthly payment has n't went back to {$770.00}. Since 2008 the taxes in my area decreased and my home insurance also decrease. Why did they increase my escrow. Why did n't this problem happen with the my old mortgage. Please they have very bad customer service. I am a student and I cant afford a lawyer to speak to them and that 's my problem. I hope that you can help me and thank you so much for helping all of us.

Company response to consumer: Closed
Consumer complaint received 2015-08-17
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I asked Ocwen Loan Servicing for a loan modification after my husbands illness. At the time I was behind in payments and was willing to pay longer for less a month. Instead of lessening my payments, they have charged me {$1200.00} instead of {$800.00} After the XXXX we had in the XXXX, I could not keep up.We had tree damage, very high heating bills and the co-pays on my husbands XXXX medications went up. I thought I would Get help from Ocwen, but I did n't. I agreed out of fear for my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
In XXXX XXXX my wife became medically XXXX and was unable to work. We were no longer able to pay our mortage. We performed a short sale on our home in XXXX, XXXX. The XXXX lien was held by GreenTree Serving. In spite of repeated assurances that the short sale would satisfy our account, the company did not provide a settlement statement at closing and mailed a letter stating we still owed $ XXXX postmarked ON THE DAY OF CLOSING. They began harassing us for the money, calling us day and night, and they wanted us to pay all that money at once. We had to get a lawyer to stop the harassment. Nothing was reported on our credit from that point on. Two years later, our financial situation greatly improved, the VA had declared me XXXX XXXX and I received a pension and my wife had received a legal settlement as a result of her medical circumstances. We were able to buy a home again ( VA standards are to wait for 2 years after a short sale ). But the second lien was still listed as open. We tried to get the company to remove the derogatory information but they refused. We ended up settling the amount for $ XXXX. In our settlement statement we made sure that the date of settlement reflected XXXX XXXX. GreenTree began reporting that we settled in XXXX XXXX, which greatly damaged our credit and prevented us from qualifying for a loan. With a settlement statement in hand we attempted to dispute the date with all three credit bureaus. The credit bureaus ignored our documentation and used what GreenTree told them, that the settlement date was XXXX. GreenTree pretended that it was n't their fault, that it was the fault of the credit bureaus. It took several months of disputes to finally get the credit bureaus aligned to reflect the correct date. We were able to get a loan in XXXX XXXX. By then interest rates had risen over 1.5 %, and the market had appreciated over 20 %. This unethical behavior by GreenTree cost our family over $ XXXX. As soon as our loan was processed, the credit bureaus " magically '' began reporting the XXXX date again. We disputed several times and were only able to fix XXXX of the bureau reports. XXXX is correct, the other eliminated the account altogether, but a XXXX continues to report the inaccurate date. The XXXX bureau refuses to accept our documentation and claims the date has been verified by GreenTree. This company has put us through years of emotional stress and have directly affected our financial situation - tenuous as it is in our recovery from XXXX. 

GreenTree has still asserted recently that their report of the XXXX date was accurate in spite of internal emails and a settlement letter disputing this.

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 2016-02-23
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I tried to pay my mortgage for XXXX and found out that my loan has been sold. When I contacted the new company i was in formed that my payment has been raised to over {$450.00} more then my previous monthly payments. I never received any notice of the change in payment or that my loan was being sold. I was told they needed to do a analysis on my loan to see what went wrong but they would n't be able to do that until XXXX. In the mean time i need to make the larger payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Me and my girlfriend are in the process of buying a house. I noticed on my credit report that there was a debt for XXXX dollars from 2010 from Suburban credit corporation. I tried having this debt removed for years but they refused, so I just gave up trying. My girlfriend called ( which I 'm not sure is even legal, without getting permission from me ) to have this debt removed, they stated to her " you have XXXX debts, XXXX for XXXX to XXXX and XXXX to XXXX @ XXXX XXXX. My girlfriend stated " that this debt is not ours but she will pay it so it can be removed off my credit report '', they stated they " would remove the debt that is not mine if she paid the balance ''. So she did, they sent us a reciept, and we waited for it to be removed. 
In the process of waiting, 10 days go by and we received another bill from the same company stating we owe MORE money, now we owe XXXX to XXXX, XXXX XXXX, and XXXX XXXX. I thought it was a mistake. So she calls them and they explain they were very exact with the " wording '' of what they were stating, they stated 'they only told us what we owed on the credit report not the total we owed, and they never said they would remove it, we just asked if they could, and they said yes, they would take care of it '', they took care of it by marking it paid and thats not what they explained at all. and then they threatened to put the new debt collections on the credit report if we did not pay them. Which is not mine to begin with I know that debts are to come off after 7 years and unless they were removed, there would be no point in paying Suburban credit and re-ging the debt that is not mine in the first place, when clearly it has to come off in 1 year anyway, and clearly my girlfriend did not know this, she thought she was doing the right thing. 
I dont know if this is legal or not but I know that we were lied to and then they threaten us with another debt so they can make more money off the people you clearly lied to is not right, and I plan on taking them to court over this matter.

Company response to consumer: Closed