BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-02
Company: International Computer Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They have done several of the above including but not limited to : Continued attempts to collect debt I do not owe as debt was paid or debt is not mine. All my debts for any XXXX work were paid in full by myself and my insurance. The only XXXX I have used was over 4 years ago. This company put on my reports that I have a open account currently it opened XXXX 2016, it is a flat out lie and falsifying information or they have the wrong person. 

Disclosure verification of debt, I did not receive any letter with my right to dispute, they put it on my credit report and I had not idea of the allaged debt, I wrote them a letter and it was certified and they did not respond with enough information or what the debt is owed for or when it was allegedly late or not paid. 

False statements or representation : They are attempting to collect a wrong amount as all my XXXX bills have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient has permission to contact me through the number I provided them on file which is a personal number XXXX XXXX XXXX XXXX. I have not and never will provide them with my business number. However ; they have started to call my place of employment without consent ( XXXX XXXX XXXX. I work in a XXXX XXXX and XXXX XXXX XXXX and need access to my phone for crisis and by them using my phone to take up message space puts the clients I serve at risk. This may also lead to defamation of character. Student Loans are a private matter as companies may not look them up without a social security number, therefore my company should not be aware of my student loan status. This is in regards to student loans from XXXX XXXX XXXX in XXXX XXXX, MA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My financial hardship began when my husband which I am now separated from abandoned me on XXXX XXXX, 2015. My soon to be ex-husband relinquished all rights to the property which we resided by quit claiming his interest over to me. My husband no longer supports or assist me in any way financially. I obtained the assistance of a housing counselor in order to help me submit a modification request to my Servicer Penny Mac in order to assist me with getting the loan modified to an affordable monthly payment along with getting the account current into my name only. I submitted the modification request with the assistance of my housing counselor XXXX XXXX, 2015. I was approved for trial modification on XXXX XXXX, 2015. I was approved for the Final Modification on XXXX XXXX, 2015 after I successfully completed the trial modification payments. But, the modification papers included me having my separated husband sign the modification documents. The modification request clearly states that I was applying for the modification to have my separated husband removed from the loan along with obtaining an affordable monthly payment which I could afford to pay with my income only. The servicer requested the quit claim deed to show proof that my husband had released his rights to the property. I provided the quit claim deed to the servicer on XXXX XXXX, 2015. Presently, the servicer underwriter removed my Final Modification Approval because my separated husband would n't sign the modification agreement. The Underwriter stated on my denial that I notified the servicer to state that I did n't accept the offer which is a lie. I completed my modification trial plan based upon the fact that the loan would be modified into my name only. He was never suppose to be on the modified loan. The modification was submitted in my name only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax reporting closed accounts exceeding 7 years. Per the Fair Credit Reporting Act accounts exceeding 7 years must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I had a loan from LoanMart for a vehicle while I was in the XXXX XXXX. I notified them that I was being called to XXXX XXXX and they took the car. They auctioned the car off. They got all of the balance except {$890.00}. Now they are after me today 7 years later for {$6400.00}. It is past the 7 years to report this per the Fair Credit Reporting Act, is way over the Statue of Limitations. They sent me an email saying the balance was {$890.00} so I would call and then said I owe them {$6400.00}. When I could n't pay that they threaten to put liens on any current vehicles I had, threatened to have me arrested, threatened to sue me and take garnish my wages. This was from XX/XX/2015 to XX/XX/2015 which I believe was almost 7 years ago. They violated the Soldiers and Sailors by repossessing the car after I notified them. 
None of the correspondence said they could n't sue me so they led me to believe that they easily could. I was ready to start paying them when a friend of mine told me that what they were doing may be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying for 3 years to get a loan modification from Bank of America. For some reason, they kept denying me. I recently gave up, and I am trying to do the Deed in Lieu, or the XXXX program that they have listed on their website. I am a XXXX, and also just had a new baby. I ca n't sit around and waste time not knowing if my family will be kicked out on the street or not, so I opted to do the cash for keys and at least we know we would n't be left in the cold and would have some relocation assistance. My counselor and I applied with them on XXXX/XXXX/2016. Bank of America HAS NOT touched it, and has let my application sit. I now have a sale date for XX/XX/XXXX. 

My counselor called in to Bank of America and spoke to XXXX XXXX ( today ), who stated that I could not get this program until I " have received an offer for a short sale but was denied. '' That makes no sense and sounded like another made-up excuse to get us off the phone. 

Nobody at bank of America has ever tried in the slightest to help me. All I am asking is for relocation assistance ( program is advertised on their website ), if they will not help me with a modification. 

Nobody is responding to me and instead gave me a sale date. I NEED 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 2015-12-03
Company: Pinnacle Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I Have proof that the debt was sitteled and full I paid via there collection XXXX party but they will not remove/update to show this debt paid in full. I settled this debt in good fait and attached documentation to this fact. my emails and not answered. 

The settlement via there XXXX party total card services was $ XXXX was paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA
Product: Other financial service
Sub-product: Money order
Issue: Excessive fees

Complaint:
Dear Sir or Madam : Please be advised the sole purpose of filing this complaint with your agency is due to Wal-Mart not honoring their money orders. Not to mention the fact, Wal-Mart is the seller for MoneyGram money order 's and refused to issue a full refund on a {$35.00} money order that was not used for purpose intended. The merchant refused to issue a full refund and/or exchange the money order for a new one after it was written out to another person. I purchase this money order from their store on XX/XX/2016. It was on the following day, XX/XX/2016, when I presented the money order to Wal-Mart for a refund and they denied the refund - with the statement that the money order is altered because I tried to correct the misspelled name. I explained to XXXX ( Wal-Mart cashier ), that the original money order is intact with the receipt and stub and all I need is to replace the money order and/or be refunded. Then XXXX stated ; " No you are not getting any of your money back and/or a replacement of that money order because Wal-Mart want get their money back from MoneyGram ''. I informed XXXX in the past Wal-Mart replaced my money order with no issues when I misspelled the name on it and this was never a policy. XXXX also stated to me Wal-Mart does not have any returned policy for selling MoneyGram money order 's that involved third party, which is MoneyGram. Then XXXX proceeded to contact MoneyGram, and she stated ; " You need to return the money order back to them and pay an {$18.00} service charged. I later contacted MoneyGram customer service and informed them that this is double-dipping ( Kick-back ) and that I should not be charge any fees due to the fact, I never lost the money order. After I informed the agent I will be filing a complaint with the Consumer Financial Protection Bureau and Office of Financial Institutions, she then reduced the fee to {$9.00}. I firmly believe this practice is illegal and fraudulent. The only time I believe anyone should be charge any fees, if the money order is lost and a stop payment is issued with a replacement of a money order. I do not believe this constitute that because I have the original money order, receipt and stub. I am requesting an investigation of Wal-Mart 's and MoneyGram business practices. I firmly believe they should not be allowed to sell money orders if they will not honor them. During my investigation, it appears other financial institutions do not honor Wal-Mart money orders. I greatly appreciate your assistance in this matter and look forward to your prompt response. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
well this is XXXX XXXX complaining about ocwen so I am very sure you know whats happening. and I want to let you know that ocwen just informed me this evening of an in house offer and this is what they said. we will take your interest rate to 2.0018 from 5 %. a house payment of XXXX a month. ( mind you our payments were XXXX a month when we started asking for help in 2011 ) and a net present value of our home at XXXX, and a market value of XXXX, with a principle balance of XXXX so our home is at present worth XXXX or XXXX and they are collecting XXXX with a very nice balloon payment of approx.XXXX at end of term. another helping homeowners is what we do, good deal from ocwen, right? ok, let me also say they have not even tried to ask our investor, XXXX XXXX for a principle reduction. you would think after all the XXXX they have put my family through they would at least ask .... they have our income at XXXX a month and want us to pay XXXX a month. then we have XXXX a month in child support, a XXXX yr old to support, groceries, electric, and so on ... .. there is something wrong here ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I hope this is not too long ago, but I am sure Chase Home Finance has not changed their policy in handling customer complaints. In 2010 we applied to XXXX XXXX to refinance not only a mortgage with Chase but also a credit card and a XXXX land loan. However XXXX XXXX discovered a problem with the Title on our property. In order to fix it documents were needed from Chase. The initial request for those documents was sent to Chase on XXXX XXXX, 2010. Despite multiple requests from our Attorney, from the XXXX XXXX and from us, CHASE simply would not respond at all. It was not until XX/XX/XXXX that we finally got Chase 's attention and even then it was 21 days later before we received the needed documents. This caused us to totally miss our deadline for the new loan, incurring costs for new Appraisal, additional Closing costs and lost interest savings. Attached is a letter that explains it better and details the loss which I calculated to be {$2600.00}. I hope this is not too late to get this remedied. If nothing else you should check Chase 's compliance on handling Customer Complaints. I checked " Applying for the loan '' below because it was during our application with XXXX XXXX, however our problem was not with XXXX XXXX, but with CHASE who would not cooperate with us when trying to payoff their loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1. Been trying to get a history of all my payments, charges and any penalties since the start of my mortgage in 2003. Ocwen is showing I owe {$87000.00} on my loan. According to my calculations and the original amortization schedule I am showing I owe {$68000.00}. But they will only provide me 2 years of my past payments statements and none going back to my original start date in XXXX 2003. I have been asking for this for over a year and can not get my records. I have emailed them, wrote letters, and called Ocwen and nothing. I also called XXXX at ( XXXX ) XXXX and address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX who I believe is the trustee for the investors of the loan and they said they would contact Ocwen and still nothing. 2. ) I have been trying for over a year to get a modification through Ocwen and they just keep coming back with more repeat information needed and I keep on resubmitting it and nothing to this date.

Company response to consumer: Closed
Consumer complaint received 2015-07-24
Company: Ocwen Financial Corporation
State: WA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Ocwen bought our discharged chapter XXXX bankrupt loan from XXXX mortgage in XX/XX/XXXX. Our bankruptcy was complete XXXX XXXX they have harrassed us for payments for loan and home insurance for the past 5 years on a house that we did not own. We have sent them file after file, and calling to no avail, even having our attorney help us. They finally discharged our debt XX/XX/XXXX, completely ruining any chance of cleaning up our credit. We now have to wait another 4 years before we can purchase a home which is where I would set up my business. Ocwen needs to have a Class Action law suit filed against them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Due to process of foreclosure over my property, Servicer bank to close foreclosure using Us Government HAMP program and changed my principal balance on XXXX XXXX 2014 from {$310000.00} ( Property principal ) to {$450000.00} ( Property value + monthly aggregated defaulted payments ). Yes, Ocwen is charging {$130000.00} as late fees and adding it to principal. Consider also that I 'm paying 43.65 % to recover my house after foreclosure and with the sponsorship of the US government. 
This behavior is against federal usury estatutes as well as to FL estatutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
a verbal loan modification trial payment plan was offered on XXXX XXXX per verbal instructions of the offer made XXXX payments to Ocwen XXXX XXXX XXXX XXXX Today ocwen advised that they offer was denied back sometime in XXXX because we never received and agreement that we were required to signed, " the trial offer letter ''. Despite the fact that their system showed " active trial plan '' they have collected XXXX and now they are saying that there is no modification offer because we fail to performed under the " trial plan agreement '' due to the document that was received on our end drink the month of XXXX. Now, they will keep the monies under " false pretenses '' they have cheated me and did not delivered as they have promised. I was told that the XXXX payment will activate the offer. I paid my debt under the verbal instructions that were given to me on XXXX. Now, my loan is past due and i am facing foreclosure action against me. All calls and representatives are located and XXXX and can not offer further help. I have requested my call to be transferred to XXXX and they have declined 3 times I made this request and they have continued to state and represent that they are a " XXXX ''. The debt is originated in this country not in XXXX. The representative continue to represent as a global mortgage service agency. Representative stated '' we are not equipped to transfer calls to representatives in XXXX '' Please help, actions were taken and payments were made on time no representative informed that they have sent a letter or that a letter needed to be signed in order for the offer to be deemed effective however they collected payments by electronic check and reassured that the trial plan was effective and eventually a final agreement will be sent to us upon completion of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio Servicing Inc ( SPS ) sent a letter stating " Your Mortgage Has Been Referred For Legal Action ''. Further, the letter stated, " Select Portfolio Servicing, Inc. ( SPS ) the mortgage servicer on the above referenced account, has referred your account for legal action. However, you may still be able to avoid foreclosure. '' It goes on to outline " alternatives '' to foreclosure. Specifically on XXXX XXXX, 2016 we sent a RESPA Qualified Written Request for information demanding " Proof of authority from XXXX Bank XXXX XXXX XXXX Mortgage XXXX XXXX to conduct business on their behalf. '' Previously SPS had stated in correspondence the alleged involvement of the aforementioned entities in the subject mortgage. SPS has indicated that, in regard to the mortgage, " The Note Holder for XXXX Bank XXXX XXXX, as Trustee, Successor in interest to XXXX Bank, XXXX XXXX, as trustee for XXXX XXXX Mortgage XXXX XXXX. '' We have previously questioned SPS 's authority in the matter and have rejected and denied the profession of their role as servicer. SPS has not fully and properly responded to the RESPA request of XXXX XXXX, 2016 - there has been no detailed response to the inquiry. SPS now threatens us with legal action. We allege that their handing of this matter is in violation of FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
My property was sold on XXXXXXXX2015 after 120 days sending documents to SPS servicer train to qualify for a lone modification., at the same time the bank, SPS servicer continue with the Foreclosure presiding 's, ( Dual Tracking ) at the foreclosure the SPS did not claim as Defendant my wife in the complaint and did not server any liss pendis documents to her, violation of state constitutional law .Art X, & XXXX, Fla.Const ; XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX ). the y have violated her rights to due proses and have violate her XXXX amendment constitutional right., I have file in civil court a Objection to sale, and to the bank SPS servicer a Appeal under the settlement agreement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I previously filed a complaint, Case number : XXXX, and disputed the response from the Mortgage holder, but I do not see it on the record. 
Two things : 1. It is true that SPS has now offered me mortgage assistance and I am in a 3 month trial program, paying about {$1300.00} a month. I am glad to be offered the option to stay in my home, but the information I provided to SPS shows my income, from a part-time job because I have not been able to find full-time employment, is about {$1600.00}. A bit unrealistic to offer me an option that leaves me nothing on which to live. 
2. The response from SPS about why my mortgage is so high, higher than the purchase price, after more than 20 years remains unanswered. It was stated that I purchased the home in XXXX for {$180000.00}. Incorrect. The property was purchased in XXXX for {$140000.00}. I 'd like to an answer. 

Thank you.

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