BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-28
Company: STATE EMPLOYEES CREDIT UNION
State: OH
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
North Carolina State Employees Credit Union I have banked there since 2001. 
Recently, I moved abroad and often need to transfer/wire funds to myself. 
I was told XXXX performs that function for them. 
Until recently, the wire charge for XXXX dollars. 
This year is was raised to XXXX dollars, which is a lot for a small account holder who needs to make regular transfers. 
That is almost a TRIPLED charge.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on 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 explanation
Consumer complaint received 2016-01-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing , LLC ( " Ocwen '' ) incorrectly denied me a HAMP modification and instead completed an in-house loan modification on XXXX XXXX, XXXX. The new payment amount was {$2000.00} ; however, on or about XXXX XXXX, Ocwen changed my mortgage payment to {$2600.00}. I was informed that this increase was due to an escrow adjustment. Upon further discussion, Ocwen admitted that at the time of the modification they had failed to accurately calculate the total escrow due. It appears that Ocwen purposely failed to accurately calculate and/or include known escrow in order to provide a falsified loan modification. By knowingly failing to accurately incorporate the historically known escrow, Ocwen avoided making the necessary interest rate adjustments and/or principal foregiveness necessary to provide a true and accurate loan modification. I have raised these concerns on at least 4 occasions ( the most recent with the Ocwen Office of the Consumer Ombudsman ) and in each instance my concerns have gone unaddressed. In each case Ocwen has failed to address that the XXXX XXXX loan modification was materially flawed and has failed to address my request that the XXXX XXXX loan modification be recalculated using the correct escrow amount which have been available to Ocwen since before XXXX XXXX. Once again, my concern is that Ocwen incorrectly denied me a HAMP modification and then intentionally failed to include total escrow in order to provide a false loan modification which they had no intention of honoring. I believe that a review of Ocwen in-house loan modifications will reveal a similar pattern among it 's customers. A pattern of incorrectly denying HAMP modifications in order to steer its customers to it 's in-house loan modification program and then purposely omitting key information ( i.e. escrow amount ) so that they can provide false loan modifications which they intend to immediately adjust upon completing an updated escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is in reference to a delinquency that Roundpoint reported to XXXX ; my wife and I dealt with Roundpoint in good faith and made payment on agreed-upon terms, but the company, through it 's own malfeasance or malpractice, reported the payment as 30 days late, even though their own documentation and communication recorded the payment as only 8 days later that listed on the statement provided. 

Roundpoint Mortgage serviced my home loan from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX, my wife and I refinanced the mortgage through XXXX XXXX. Either XXXX XXXX failed to correctly calculate the payoff amount, or Roundpoint failed to correctly calculate the payoff quote, as two weeks after closing, Roundpoint informed us that the payoff fell short. 

In short, Roundpoint acted in an unprofessional, chaotic, duplicitous, and bullying manner over the course of three weeks. They sent a series ( XXXX ) of inaccurate, contradictory statements, and failed to explain why XXXX statement differed from another. A representative agreed to grant a two-week extension until funds arrived in my account for payment, but Roundpoint instead set a due date as the day that we received the funds in our account, and recorded a 30-day delinquency to TransUnion when the payment arrived 8 days later through the mail. They refused to provide a written explanation of the deliquency report, and only offered a second-hand verbal explanation over the phone that the representative who granted the two-week extension had no authority to do so -- as the department that handled payments refused to communicate with me directly, their use of a customer service representative in this way was a deceitful and borderline fraudulent practice. 

My wife and I have never missed a payment of any kind in 25 years ; the report substantially lowered our credit rating from " XXXX '' ( XXXX ) to " XXXX '' ( XXXX ) in a matter of days. This was their error, and it substantially harms us as consumers ; Roundpoint refuses to acknowledge their error, and have refused to communicate with us in any way after receiving payment. 

We 've already submitted documentation through cashiering.

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 2016-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I received XXXX fraudulent charges over a two day span that were applied to my checking accounting totaling an amount of {$2700.00}. I contacted Bank of America on the second day when I noticed the charges, and had them closed all the cards associated with the account to stop all activity. I submitted a claim which was processed and returned back to me a week later that advised my claims was rejected due to the charges processing correctly. The evidence regarding said charges clearly demonstrations that all {$2700.00} was fraudulently removed from my account. 

Date : XXXX XXXX, 2016 XXXX, AZ XXXX Checking Account Ending in XXXX Claim Number : XXXX Initiation date : XXXX/XXXX/2016 Bank of America Claims and Disputes XXXX, NC XXXX Dear Sir or Madam : I am writing to dispute fraudulent transaction ( s ) on my account in the amount of {$2700.00}. Unless this is an error on your part, I can confidently assume to be a victim of identity theft, because I did not initiate and approve the transaction ( s ). I am requesting that the transaction ( s ) be removed from my account and all finance and other charges related to the fraudulent transaction ( s ) be also credited. I would also like to request a revised account statement to ensure appropriate changes to my account have been accurately made. Enclosed are copies of my statement with fraudulent transaction ( s ) highlighted supporting my position. Please investigate this matter and remove the fraudulent transaction ( s ) as soon as possible. 

I have filed a police report with the XXXX Police Department located at XXXX, AZ XXXX. The phone number to the police department is XXXX. I filed my report with Officer XXXX and his badge number is XXXX. The police report number is XXXX. 

I have filed a complaint with the Office of the Comptroller of the Currency ( OCC ) on XXXX XXXX, 2016. My case number is XXXX. 

Also on XXXX XXXX, 2016, I filed a complaint with Federal Deposit Insurance Corporation ( FDIC ) to help facilitate the investigation into my claims with Bank of America. 

Sincerely, XXXX XXXX

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 2017-01-31
Company: Navient Solutions, LLC.
State: CA
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:
I enrolled into University XXXX XX/XX/XXXX. When I enrolled, I was told that I would not be using my loan, until I got into my higher classes. I was enrolled from XX/XX/XXXX to XX/XX/XXXX. Unfortunately, I got into a major car accident XX/XX/XXXX, so I had to drop from my classes due to many XXXX and doctors ' appointments. When I called my advisor, to drop my classes they told me that there was a balance left on my account in the amount of XXXX, they said that it would be sent back to the lender. Which at that time was XXXX. So, I waited, and kept checking my federal student aid report, hoping to see that they received it back. When I talked to University XXXX they said that it might take a little while to get back to XXXX, because they had just sold the company to Navient. I kept waiting. I eventually got tired of waiting and calling with no answers. So, I called University XXXX again. The first time I talked to University XXXX about the loan not credited to my account, was on Tuesday, XX/XX/XXXX at XXXX am. They said to keep waiting and that they did send it back to Navient on XXXX, XXXX, XXXX, they said to wait a little bit longer. I never saw it get credited to my account. I called University XXXX back again, on Monday, XX/XX/XXXX at XXXX. They said they would sent me a copy of the funds return letter to show Navient that they sent it back to them on XXXX, XXXX, XXXX. They sent it to me. When I got the funds return letter, I called Navient on Tuesday, XX/XX/XXXX at XXXX. I talked to a lady named XXXX. I explained the situation to her, she put me on hold to look at my account because she was having trouble with my account, it kept giving her an error message. When she got back on the phone she gave me no information about the loan being returned. She just tried to get around it. It is now XX/XX/XXXX and I still have no answers on where the money is. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hello I am a XXXX veteran XXXX. I recently applied for income repayment and was denied because my only source of income is the XXXX. I have not worked since I left the military. According to the rules, I will not qualify for loan forgiveness because i am not XXXX.i have reached out to my doctor to sign the paperwork for me but va doctors are not easy accessible. i have this debt and no way to pay it and no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Account Control Technology, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Multiple Issues. Last week I received a call that appeared to sound like it came from an autodialer. My phone is a cell phone. When I asked the representative, she kept skirting around the issue and I asked to cease and desist. 

I received another call and right away the person asked for me and provided my full name, date of birth and last XXXX of my social. Nothing was confirmed by me who I was and I asked who she was. She stated her name was XXXX XXXX. I asked if she was calling on her own or on the behalf of a company. She stated she was calling from Account Control Technology on a personal business matter which is well known to be a collection call. I asked to have my number removed.

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 2016-09-02
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a lawsuit against Nationstar Mortgage for mortgage fraud that was settled out of court. During the course of actions that I sued them over they took a complete payoff of my mortgage debt, not a short-sale or other negotiation, they accepted in full the amount to satisfy the debt to their satisfaction from another company that I had never been in contact with. The problem is that they still show on my credit, two years later and after we have settled out of court on this matter and several others where they admitted guilt, that they foreclosed on our property and that we owe the total balance, neither of which is true. This is barring me from purchasing another home. This false information has been requested to be removed on multiple occasions. I can show legal court papers showing their payoff was complete two years ago. I believe that this should be enough to get them to remove the negative reporting from my credit, as I was not even delinquent to them at the time of this issue arising.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: SLM CORPORATION
State: KS
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:
I took out a total of {$22000.00} from Sallie Mae between XX/XX/XXXX and XX/XX/XXXX. I began paying this back this year, XX/XX/XXXX. Due to a XXXX leave, I had to return and finish XXXX this fall, meaning I did n't get a grace period. That is not the issue, however. According to XXXX, they picked up my loan and I am supposed to be paying them. Sallie Mae is telling me that I still need to pay them. My {$22000.00} has now turned into {$44000.00} among XXXX different companies. Instead of paying the agreed upon $ XXXX/month, I am now sitting at owing $ XXXX/month right now. I have made countless calls but I just get told that the other company is wrong. 
I was told by the Department of Education to report XXXX because they wo n't provide me any proof of signing my debt over to them. I asked for the promissory note because my mom and I never did anything regarding XXXX, but they told me that they could n't give me my promissory note and I had to call the Dept. of Ed and get it from them. When I called the Dept. of Ed they told me that was incorrect and a violation on XXXX 's part. 
I went to the bank today and assured that I only ever received {$22000.00} through loans. They verified that and told me I need to get proof from both of these companies. Neither company will give me any proof and they keep giving me the run-around. I can not live paying {$850.00} a month right now for student loans -- I have my rent and car payments on top of that, and it is impossible for me to bring in that kind of money when I graduated XX/XX/XXXX. 
The bottom line is that my loan amount was doubled from {$22000.00} to {$44000.00}, and both companies are telling me that I need to pay them. I went to a XXXX College for two years and payed out of pocket for that- I then took three years at XXXX , including a XXXX semester that I received a XXXX. The fact that I received {$44000.00} dollars worth of loans is simply impossible and I need to get this figured out as soon as possible. I have spent over ten hours on the phone during the last two days and have gotten no where. 
Please help me, 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 2015-12-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance in saving my home with my servicer SPS. I hired an attorney to assist me with the process. On XXXX XXXX, 2015 I was denied for a loan modification. However, the lender missed part of my income in the review. My denial letter offered me 30 days to appeal the decision. My attorney submitted an appeal in writing to SPS on XXXX XXXX, 2015. I have attached the email confirmation showing my attorney sent the appeal and all corresponding documentation on XXXX XXXX, 2015 at XXXX. I have also attached my attorney 's internal notes where they called and confirmed my appeal was received and under review on XXXX XXXX, 2015 at XXXX. SPS issued me a letter on XXXX XXXX, 2015 ( See Attached ) - letter dated XXXX XXXX, 2015 - stating that my appeal was denied due to the appeal was not received within the 30 days after the denial. My attorney contacted SPS and SPS states that they are refusing to review the appeal because they did not receive the appeal in the 30 day period after the denial. My attorney advised them we have confirmation the appeal was in fact received by them on XXXX XXXX, 2015 at XXXX. SPS states their computer system takes up to three days for it to show up on their side so that was after the 30 days was up and therefore they are not willing to review the appeal. My attorney advised them that simply because their IT department decides to hold up all electronic correspondence for three days does n't mean they can use that as an excuse to evade review of a validly submitted appeal. SPS is unwilling to consider my appeal. My attorney states they are in violation of Respa Reg X ( 1024.41 ) and are in fact evading review. Please enforce any penalties against SPS for violating this Respa law. This is not only unethical they would hold my application for appeal past the appeal date, but it appears to also be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: BOK FINANCIAL CORP
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Our first complaint with a specific BOK Service member, other than having personality flaws, i.e. rude, is that they do n't disclose that they can not work with 100 % Permanent XXXX XXXX XXXX XXXX. We were less then 24 hours from closing the loan on the house and we received a text from the BOK service member stating that he would have to escrow taxes for a year. We informed him at the beginning of the process that we were tax exempt and continued the process. It was truly a waist of time on everyone 's part that was involved. Because of their lack of knowledge regarding our Vets and home loans, we have lost our appraisal and earnest money along with the inspection money which we paid for up front. It 's a disgrace that this would happen to anyone, but we would like to inform others especially senior citizens like our selves so they may be aware. Also the lack of loyalty between bank and consumer because information was given to XXXX party before given directly to us. On top of that, he picked the closer and we never received a corrected XXXX. I will never recommend BOK to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 INQUIRY below has violated my rights : XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 602 A : It also states that a consumer reporting agency can not furnish an INQUIRY 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 explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: TX
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-21
Company: EQUIFAX, INC.
State: TX
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: SC
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 INQUIRY below has violated my rights : XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 602 A : It also states that a consumer reporting agency can not furnish an INQUIRY without my written instructions.

Company response to consumer: Closed with explanation