BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-23
Company: Westlake Services, LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Good Day, I am going through A horrific time with Westlake Financial Services. I finished my XXXX XXXX XXXX XXXX in XXXX in XXXX. I signed a loan with Westlake Financial from the dealership where I bought my XXXX Ford Thunderbird. I have been getting hassled ever since, Westlake Financial has recently repossessed my vehicle which I have struggled to go back and forth to work in recent days. For the past four years I have received harassing calls from them and although I have many late payments, I have come upon my final payment of {$780.00} finally! after the repossession, they tell me that I have a repo fee of {$350.00} plus {$30.00} for every day it is in reposession plus the final payment of {$780.00}!!! 
I believe I am seriously getting taken advantage of by this business. I have been paying them for four years. They do not take into consideration that I am a United States Armed Forces Member and I will fight to seek some form of litigation. Is there any further help I desperately need it. 

XXXX, XXXX XXXX XXXX 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 2017-02-27
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Attempting to release co-signer from loan. Primary loanee has met all stated requirements ( at least 12 months consecutive on-time payments ) for over 20 months. Each time request is made the lender rejects the request, finding new reasons to deny the the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I can not print and view my full credit report online. There is also a name XXXX XXXX XXXX. Which is not mine. This person had stolen my identy a couple of years ago and her name was supposed to be removed from my credit report and it 's still showing on my credit report. Please remove her name and I the collection companies XXXX and XXXX has been paid in full. This should have been moved from my credit report years ago. I wish to have this resolved ASAP as a I am looking for proper housing and need good credit. Please contact me at XXXX. My full name is XXXX XXXX XXXX. Your immediate attention be greatly appreciated. 


P.S. this identity theft person XXXX XXXX XXXX committed this crime twice and went to court twice. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collector IC Systems is committing FRAUD. Debt collector attempting to collect old debt that was never owed - services were paid for at the time rendered. Collector FRAUDENTLY alleges that medical services provider recently engaged them to collect debt that was paid at the time services were provided over 4 years ago - collector was rude, attempted to employ confusing tactics to dissuade me from questioning them on the debt, and ultimately failed to provide any real information - collector attempted to hide behind medical privacy reasons for failure to disclose nature of the debt IC SYSTEMS IS COMMITTING FRAUD

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 2016-07-15
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was charged for an appraisal for a home mortgage from Prime Lending, that I did not order, sign up for, or agree to pay for. 

This is the last correspondence from the lender : XXXX XXXX XXXX to me, XXXX XXXX XXXX, We are all set to move forward after reviewing your income. Most important next step : you should 've received an email to e-pay for your appraisal. Please be sure to do that today so that we can order your appraisal. We need to get it ordered quickly since VA appraisers take up to 2 weeks to get reports in. 

We are beginning processing your loan. 

Let us know if you have questions. 

Thanks, XXXX. Loan Officer PrimeLending NMLS # XXXX Office Direct : XXXX Cell/call or text : XXXX Apply online : XXXX I did not follow through, since I found a better offer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Ditech Financial LLC
State: NM
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Ditech obtained the servicing of our first and second mortgage earlier this year. We were solicited to do a XXXX Refinance on our first since the rate was 6.125 % and they could do better. We started the process on XXXX XXXX, 2016 and did not finalize the process till XXXX XX/XX/XXXX2016. Multiple Loan Estimates were sent throughout the process with changes to figures with out a Change of Circumstance Letter to accompany the changes explaining why and what was changing. Ditech pointed the finger at XXXX XXXX XXXX and XXXX XXXX pointed the finger at Ditech as to why someone had dropped the ball on ordering the subordination of our second. I had to tell Ditech multiple times that we had paid for an appraisal out of pocket yet they continued to show the fees. The lock expired on XXXX/XXXX/2016 so they had to extend it. XXXX estimate shows the extension fee to us which they later retracted because it was evident that they were responsible for the delays in what should have been a relatively easy refinance. 
Ditech sent me the Closing Disclosure on XXXX XXXX, 2016 via a docusign email rather than through the password protected website known as XXXX XXXX. The file was corrupt and I could not open it. I called them to advise, however no body called me back. By Monday evening the XXXX of XXXX I had still not heard back from them so I called Title to advise that we were unable to open much less electronically sign the CD to start the three business day clock so we could close. I received the CD on the XXXX and we esigned it. They insisted that we sign documents on the XXXX of XXXX which was not the full three days required by XXXX. I am in the mortgage industry so I advised that we really should be signing the XXXX of XXXX. They advised that that was not the case and left the documents dated for a XXXX closing. On XXXX XXXX, we received a past due notice dated the XXXX stating that our mortgage was past due even though the loan was in recission. I understand the notice however, the notice was mailed to our home address but had the names of other individuals on it. I do n't know who these people are, but none the less it was alarming that they had violated the XXXX Rules by putting someone else on the notice. It makes me wonder who got a notice with our names on it. We were never provided a copy of our credit reports even though we requested them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
4 HARD INQUIRIES Have taken place on my credit, someone obviously has my SSN and it looks as though they are trying to secure a loan and obtain an apartment! UGH! I took a screenshot of the inquiries, then set up fraud alerts with all 3 credit bureaus. PLEASE TAKE THESE HITS OFF MY credit & adjust my credit score accordingly. I am trying DESPERATELY to raise my credit and I'm a homeowner I'm not trying to get a loan or an apartment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-07
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
DiTech, appears to randomly placed reallocation of money on my mortgage. After two calls they are unable to tell me why my principle increased. The principle on XX/XX/XXXX statement was XXXX, we made at least two payments of XXXX against principle on XX/XX/XXXX and XX/XX/XXXX. My statement of XX/XX/XXXX reflects total of XXXX If Ditech, as done this to a significant number of clients, the additional interest they are getting could be astronomical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15usa 1681. XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} Account # 2 NCA XXXX XXXX {$380.00} Account # 3 XXXX XXXX  XXXX {$350.00} Account # 4 XXXX XXXX XXXX {$320.00} Account # 5 XXXX XXXX # XXXX {$380.00} Account # 6 XXXX XXXX # XXXX {$540.00} Account # XXXX PXXXX XXXX # XXXX {$470.00} Account # 8 XXXX XXXX XXXX {$330.00} ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account # XXXX XXXX XXXX XXXX XXXX {$350.00} Account # 11 XXXXXXXX XXXX XXXX XXXX # XXXX {$320.00} Account # 12 XXXX  XXXX XXXX XXXX XXXX XXXX {$450.00} Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$640.00} 15U.S.C 1681 section 602 A, states I have the right to privacy, 15 U.S.C 1681 section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions

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 2016-04-14
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Was yelled at on XXXX XXXX by customer service, called a liar, and they told me my account had been delinquent 120 days over 100 times which is a complete LIE. I had XX/XX/XXXX payments that had cleared my bank and still not posted in their accounting system and they were telling me I was giving them inaccurate payment info and that I had not paid on my account when the payments cleared ... I even sent a letter where the payments cleared my bank. They call MULTIPLE times during work hours to a cell phone at work after explicitly telling them not to call that number. They still call. My account has only been 30 days late on a 17 year old account and they treat me like I am a criminal. This company is so much worse then Greentree ever was. I hate these rude XXXX people. Worst company on the planet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A medical bill was sold to a collections agency and they are charging over 45 % interest for one month on their first bill to me. 

My original bill was from an emergency room visit for my son who was in an ATV collision on XX/XX/XXXX. Payments were made monthly of what I could afford. The debt was sold to Credit Collections Bureau on XX/XX/XXXX. The bill I received from the Credit Collections Bureau stated that I had a balance principal of {$1200.00} and an interest charge of {$570.00} for the one month that they had the debt. My mother, spoke to the collections agency and offered to pay the bill of {$1200.00} and {$19.00} interest at 18 % of the principal for one month. They refused the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the countless number of years Bank of America places forced hazard insurance at the expense of the consumer, regardless if you have sent them a new binder and paid in full from the insurance holder. This is an annual event that I have wasted far too many hours on the phone, in which I do not get paid for and I am sure somehow BOA is making money off of this scam.

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 2015-12-23
Company: CAINE & WEINER COMPANY, INC.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
XXXX called at XXXX XXXX saying only following- '' my Name is XXXX call me back as soon as possible at XXXX XXXX XXXX XXXX XXXX regarding personal business. 
No other information. I looked number up and says is a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have tried for months to have my interest rate reduced with XXXX I never stated that I was behind with payments I am requesting a reduced interest rate which is XXXX percent why can it nit be reduced to 5 % or lower I pay my mortgage on time requesting a reduction with this outrages rate how can companies get away with this I would like an answer to why it can be reduced

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
in 2010 the mortgage go said I owed XXXX in back taxand raised my payment up to an amount that wasimpossible to pay asked for a mortification theywould postpone it say something was outon an on for 5 years to eat up my equity. 
2 I want the mortification3 I have XXXX letters to prove it4 I feel it is a scam to get money from the gov. 
5 who can I review this with

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
I was not provided with verifiable evidence for my disputes against my negative accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Nations Recovery Center
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I called Nation Recovery Center, Inc. Located at XXXX XXXX XXXX XXXX. XXXX, GA XXXX on XX/XX/XXXX. They informed me of a debt I was alledgedly sued by from a previos law firm holding said account. I do not recall this account. The party I spoke to who 's name was not clearly given to me told me I 'd have this alledged debt, from XX/XX/XXXX attached to any and all account related to my social security number. I do not recall the debt, was told I had to do something today because " there 's nothing I can do to help you wheb it leaves this office. '' I told him I do n't recall the debt from XX/XX/XXXX and that I 'm XXXX and do not have the money, nor recall being notified of the lawsuit back in XX/XX/XXXX in an attempt to collect. I was not given the oppourtunity to contest the debt and once told I was XXXX and unable to pay, if In fact I owed such debt, I could not pay it. I was given vague information regarding the debt and told it was for a " XXXX card, '' and nothing more. I was not given the initial debt holder, date of judgement, not any of the pertinent information regarding anything of use to me to verify such debt is legitimate. For all I know, this could all be made up in an attempt to get me to pay them money I do n't believe I owe, but again, I was never given the oppourtunity to contest the debt before being told it would " be attached to any and all account related to my social security number. '' I do n't understand any of this and I find that this debt collection agency to be in breach of Fair Credit Reporting Act and they used threatening tactics to get me to pay a debt I alledgedly owe.

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 2022-05-23
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I opened an account with care credit. I did n't receive a statement until XXXX months later, so I did not even have an account number. They 've started calling me several times a day, morning and night. It is harassment and I would like to file a complaint. I have no way of getting the account number until they sent it to me but I did n't even have a chance to pay the bill before they started the harassment.

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 2016-09-05
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The property located at XXXX XXXX, XXXX, GA XXXX was purchased in XX/XX/XXXX by XXXX XXXX the borrower and I XXXX XXXX, her husband, was added to the title only at closing. 
On XX/XX/XXXX we were granted a divorce and the property was awarded to me. Thereafter I learned that the payments had not been made and was {$4700.00} due which I brought current. I continued making payments until I was laid off and collected unemployment at which time I sought the help of an attorney to assist with a modification. The firm of XXXX reviewed my financials and gave me a schedule which included {$5500.00} for the mortgage company, plus other debts totaling {$12000.00} for 60 months at {$230.00} monthly. until it was dismissed, The loan was with Homeward Residential, Loan # XXXX and sold to American Home Mortgage Loan # XXXX which statements were being sent in my name since I was making the monthly payments after the decree.and quit claim deed was sent for their records Thereafter the loan was again sold to Ocwen Loan Servicing Loan # XXXX and when I tried to communicate with them they refused stating I was not the borrower. I tried for months to communicate but was unsuccessful until I received correspondence in my name that the property was being foreclosed. With the help of a housing counselor we contacted the attorney who assisted with us to be able to speak with a supervisor at Ocwen where I was assigned a Single Point of Contact who scheduled several appointments and gave me information to submit forms and complete documentation for a modification which was done. The foreclosure was postponed and I requested to have the property refinanced in my name which I believed was being done. I later learned that the modification could not be done in my name as my ex-wife was the only one on the mortgage.I was then offered a short sale and took all the steps to provide the required paperwork. I inquired if my father who was living with me at the time could purchase the property and was told yes and had him qualified.. In speaking with the Counselor who informed me that it was unusual to do an arms length transaction and suggested I speak with someone directly in the Short Sale department who stated it could not be done. 
At the last scheduled appointment the XXXX informed me that I could reinstate the loan the day before the new scheduled foreclosure sale date which is XX/XX/XXXX by paying the amount of {$47000.00}. 
At this point I am requesting your assistance in what can be done to keep my home as it have been over two years and I have had no resolve.without getting the proper information from the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Revenue Recovery Corporation
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I entered into a payment plan with XXXX XXXX on XX/XX/XXXX. I received regular bills every month up to and including XX/XX/XXXX. I never received another bill or letter after this. No attempt was made to contact me either by mail or phone. I received letter from Revenue Recovery Corporation on Monday XX/XX/XXXX stating this account had been placed in collection.I called XXXX XXXX on Tuesday XX/XX/XXXXand was told that the account was set up on a payment plan in XX/XX/XXXX and that they had sent a letter in XX/XX/XXXX and XX/XX/XXXX which I never received. The account was put into collection in XX/XX/XXXX according to them. I have all statements that were sent from XX/XX/XXXX to XX/XX/XXXX along with cancelled checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation