BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-14
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Everything started between XXXX and XXXX. We bought the house in XXXX XXXX. We paid for an inspector to come out and inspect the home. He said everything looked to be good. He said the previous water damage has been fixed and it was not. He lied to us about the whole thing. When we called the housing inspector he said he was bonded and licensed so we called the insurance company that he had and we were getting the run around. We hired an attorney and he proceeded to file the correct documentation. He filed a lawsuit against the gentleman and his insurance company. The gentleman had documentation he was covered under the insurance. When our attorney turned in our documentation showing the inspector had insurance the inspector said he did not have insurance when he inspected our house. When that happened the insurance company denied the claim. When he did that he also filled bankruptcy, we were not allowed proceed any further because the claim was denied by the insurance company. We could not sue the inspector because he filed for bankruptcy. 
At that time I continued to call my current mortgage company, XXXX and explain the situation. They told me I would need to pay 20 % of the home value to be able to have the PMI dropped. I explained I could not do that because I did not have the funds for the PMI to be dropped so we could fix our house correctly. They told me, that there was nothing they could do until I paid the 20 %. And the mortgage was transferred to a different company. Every time we requested to have the PMI taken off we were transferred to a different mortgage company. Each time it was changed I proceeded to call the company multiple times and they would tell us there is nothing they could do for us. It has gone on until today. I believe this is now the XXXX mortgage company in 9 years. I have paid my 20 % on my loan. And still to this day they still have not dropped the PMI. I am still paying over {$820.00} a month on a mortgage loan of {$74000.00} with the PMI at {$260.00}. My mortgage is paid down to a balance around XXXX when I paid a lump sum of {$6000.00} in XXXX to bring my mortgage down to the 75-80 % mark to be able to drop the PMI. My mortgage is down to about the 70-71 % mark now. And I have paid about {$8000.00} now on my PMI. And we have never been late on a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: AUTOMOTIVE CREDIT CORPORATION
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
As someone raised on an XXXX with no experience in what credit is, I made bad choices. I got a car XX/XX/XXXX it 's {$380.00} a month with insurance that costs {$160.00} a month. I want lenders to explain what 's required every month. I still have a year on a XXXX Hyundai Accent. From {$11000.00} to {$25000.00} is what I will pay in the end. I struggle with paying my rent but it 's my only car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Nelnet, Inc.
State: SC
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:
On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 dXXXX On XX/XX/XXXX I received another phone call from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: VW Credit
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX my husband XXXX XXXX XXXX XXXX received orders that he was to deploy to XXXX by XXXX XXXX, XXXX. Right after we where notified of the deployment I contacted VWCredit in reference to my lease and to find out steps I need to take since my lease was not to terminate until XXXX XXXX. I spoke to a lease representative and he explained to me the steps I needed to take. I faxed my husband 's orders to them and the next day I received a emailed with a form attached that needed to be filled out by a VW dealership and returned to them 15 days prior to turning the vehicle in. So 15 days prior to us departing we took the form to our local VW dealership and had the form filled out and faxed it to VW credit. On the Friday prior to us leaving for XXXX on our way to visit family for the weekend I received a phone call from VW Credit stating after reviewing the orders they discovered that we did not qualify for the XXXX and would be responsible for the remaining 11 months of payments totaling {$5400.00}. After many phone calls I finally was able to speak to the head of VW Credit leasing department. He sympathized with me but said there was nothing he could do. I explained that I have owned XXXX VW XXXX and have been a valued customer. Also I said if we had been told back in XXXX that we did not qualify for the XXXX we could have sold the car and had no out of pocket expenses since the car was in excellent condition with only XXXX miles on the XXXX lease. Well under the allowed mileage. We ended up turning the car in and it will be sent to auction. We will be responsible for the remaining balance not to exceed the {$5400.00} owed. The head of the leasing department agreed that I had been miss informed and given inaccurate information that ultimately lead to our dilemma. But he could do nothing about it. My brother is part owner of a dealership XXXX and told me that is not true, it is a choice that has been made. I 'm very frustrated by the treatment we received and by the fact that XXXX does not apply to all XXXX XXXX and retired government employees XXXX. My husband gave 21 years to the XXXX and now 11 years XXXX. As a civilian he has XXXX 3 times XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX - XXXX & XXXX & XXXX - are reporting on my credit file in error. I would like to see proof or signed verification. I have disputed them a couple times now with no response back.

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 2021-03-23
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX requested that I file a complaint with your agency in reference to account number : XXXX. Im disputing this account and XXXX XXXX XXXX is also working with me to clear up this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Had a XXXX mortgage through Ocwen Loan service which has paid off on the closing sale of my house XXXX/XXXX/2015. The Escrow balance has been released but a small overpayment of of {$130.00} still has not been released. I have called on this XXXX time and spoken with their customer representative who states they will get this processed, but now XXXX days past payoff and still has not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed some incorrect information on my credit report. I have never had an account with the XXXX XXXX XXXX  I have never traveled to Missouri nor have I ever lived there. My credit report states that I have a balance of {$410.00} with the XXXX XXXX XXXX. I believe this is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Ocwen has purposely delayed our Short Sale application which opened XXXX XXXX, 2015 and is still open as of XXXX XXXX, 2015 ( timeline attached with details ). We have signed there requested contracts twice and submitted our financial information twice. Due to there unethical delays we had to go thru a second home appraisal, sign and submit another set of documentation, go thru a second review by the PMI company and now it is costing my husband and I XXXX of dollars in CASH at the time of closing. This is all caused by Ocwen 's incompetence and unethical behavior of charging additional billable hours for the Short Sale process. Each time I speak to a Representative, they ca n't find the information we submitted and do n't know what 's going on. I make appointments with our Ocwen Home Retention Specialist, XXXX XXXX at XXXX but I do n't get a phone call and I do n't receive any messages. Please refer to attached document for detailed timeline and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been using the Robinhood app to purchase stocks. I was happy with the service until an issue with account being freezed occured. They required a photo id be uploaded to able to sell and trade stocks again with a restricted status. I supply this and asked questions, its been almost a week with no answer to all questions asked. What else is needed? I am suffering by not being able to buy or sell while this servicing error prolongs potential. Also i wanted a summary of the porfolio totals and to see if any fees were charged. I asked as well if there are paper statement that can be mailed? No answer to these questions to date, as the freeze lingers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My father died on XXXX XXXX, 2015 and left XXXX mortgages in only his name on his home that he lived in with my mother. There was no estate formed before he passed and as well the new York surrogates court is still taking a very long time to appoint myself and my mother as executors so that we can proceed to hopefully loan mod the home so my mother can stay there ( as she can not afford to move elsewhere and pay increased rent ). I have now gotten a foreclosure notice from ocwen ( since my mother has lost more than 50 % of her income and can not keep up with the mortgage payments without my fathers income ) - I have called ocwen SEVERAL times asking them to hold off on foreclosure or to work with my mother and myself on a loan mod ... .they refused and told me " its not their fault that my father died without giving authorization for ocwen to speak with me first ''. This type of treatment is a total outrage ... my father is DEAD and we are simply trying to make sure that my mother has a roof over her head, does n't have to sell off our memories, and do right be ocwen by working something out that she can afford. This type of treatment is totally unethical and I demand attention to this. We may not have letters of administration from the surrogates court for 2-6 months! how can we just let the home go into foreclosure if ocwen wont speak to us in the meantime?!?!?!?!!?!?!?!!?!?!?!!?!?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: HW Holding, Inc
State: FL
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:
After being hospitalized and losing income I was evicted from XXXX XXXX in XX/XX/XXXX. I paid a settled amount in XXXX XXXX that was agreed on via a money order. I was told the item would be removed from collections and I would receive a letter from them showing a paid in full. Neither happened. 5 years later this continues to show up on my credit report and I ca n't rent an apartment because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My current mortgage servicing company is fraudulently placing my mortgage in a forbearance payment status after being advised verbally and in writing of my non-agreement to a modification XXXX. Further, they have not updated their system as to the payment process only allowing for a reduced payment to made online and subsequently threatening foreclosure and negative reporting to the credit bureaus for non-payment of the full amount of mortgage. All paperwork being received from Ocwen Loan Servicing states my current payment due is {$650.00} when in actuality the payment should be {$880.00} and I am being threatened by employees with foreclosure and negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: E*TRADE BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am a victim of identity theft. On XX/XX/2021, I received in the mail a new debit Mastercard for a new checking account at E-Trade Bank that I did NOT open. I immediately called E-Trade, waited 30 minutes on hold, and the rep told me that the account was " restricted '' and that he couldn't close it but it would 'eventually ' be closed. I asked that the fraud dept ( which was not avail on a Saturday apparently XXXX contact me. By XX/XX/2021, I still had not heard anything, so I called again. The rep again told me that the account was 'restricted '. She tried to close it for me but was not allowed to close the account. She stated that the 'restricted ' account could be opened if identifying documents were faxed in. I told her that since the fraudsters have all of my information, they could easily make and fax in false documents. She offered to transfer me to the fraud department but noted that their wait time on hold was 47 minutes. She said she would put my information in the queue and someone from Fraud would call me that day or the next day. No one ever called. 
I also submitted a request via email ( XXXX ) and received no reply. 
I want this account closed. I do not want to sit on hold with ETrade anymore. I want them too have easier access for consumers to the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint keeps ignoring my request for mortgage assistance they continue to put on a covid forbearance plan and not helping me retain my home. I am asking for a loan modification review. I have submitted the loan modification packet over 3 times now and they continue to ignore my request. On XX/XX/XXXX was the first one sent and then on XX/XX/XXXX resent and today I have sent it again after they have wasted over 30 days of just leaving my documents without a review. My XXXX XXXX XXXX calls every 6 days but they continue to advise the same thing. There is no modification review and that they never got 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 2016-06-20
Company: M&T BANK CORPORATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/16 my bag was stolen containing all of my bank cards as well as my ID. I filed a police report with the XXXX XXXX police Dept. in XXXX. On XXXX/XXXX/16 in filed a claim with M and T bank making them aware of a number of fraudulent charges which had placed my account into a negative balance ( XXXX ). After several days I inquired with M and T Banks Dispute Claims Dept. and they informed me that the claims were denied. I asked the phone representative why they were denying the claim and they said I needed to write, sign and submit a statement saying that I did not make nor was I aware of the charges stated in the complaint. I immediately yet still the claim is being denied. In the interim my direct deposit from my employer went into the account which was immediately consumed by the existing negative balance. M and T did initially issue a credit for XXXX of credit card transactions however the bulk of the charges were ATM cash withdrawals. My PIN was not on the card however all my cards use the same PIN. Any review of the ATM cameras associated with these transactions should easily show that I did not make nor was I aware of these withdrawals. Your help in resolving this matter is greatly appreciated. 

Case ID XXXX and continuation of the Case ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir/Madam : Loan # XXXX I am asking for your assistance with resolving multiple issues with M & T Bank. The attached letter to M & T bank lists the issues that remain unresolved despite several attempts to resolve them with M & T bank and XXXX Mortgage services who is the mortgage service company. 

The loan defaulted and foreclosure proceedings was stopped when a modification agreement was offered by XXXX and was accepted and successfully completed. Now M & T Bank is not honoring the modification agreement monthly payment amount. M & T has suddenly increased the monthly payments from {$3100.00} to {$5200.00}. Also, I believe that M & T bank is not deducting the legal and other fees discharged in my bankruptcy discharge obtained on XX/XX/2015. 

Your assistance will be greatly appreciated in resolving these issues with M & T Bank and hence saving my home.

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 2016-02-16
Company: The Law Offices of Barry J. Gammons, PLLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
debt was in dispute, but still passed to another debt collector, who advanced to file an illegal action

Company response to consumer: Closed
Consumer complaint received 2015-05-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My mother is a victim of financial fraud. 
Someone contacted her via XXXX and managed her into sending {$1000.00} to XXXX. 

My complaint that Moneygram service ( located at XXXX store ) actually helped the fraud to happened. The elderly person ( she is XXXX ) walks in to the store ( and she does not look like she owns a fortune ), and send {$1000.00} cash to someone in XXXX. And she is from XXXX and obviously does not have any relatives in XXXX. Please review the practices and policies that Moneygram uses when they deal with an elderly persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Receivables Management Partners, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX continues to report XXXX collection accounts from a XXXX XXXX that are not my accounts. I contacted a number that is listed for a XXXX XXXX on the internet and was unable to confirm that there are no accounts of this nature existing due to the faulty contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I reached out to pay off a debt that popped up on my credit report that I recognized from along time ago And I paid the debt off. Then another account was mentioned by collections that I had no knowledge of was mentioned. I put in a dispute because I had no knowledge of it and now its popping up on my credit report impacting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2015, I made a purchase on EBay. I was transferred to the PayPal website to make the payment. It was my intention to register my new XXXX with PayPal and make the payment using this XXXX. I went through what I thought were the steps to register the card and was then transferred back to EBay. 
Shortly thereafter I received XXXX emails from PayPal Credit : " Welcome to PayPal Credit '' and " Important information about your recent PayPal Credit purchase ''. The second email contained the statement " If you do not want this offer, please contact us at XXXX Monday-Friday, XXXX to XXXX Eastern and Saturday-Sunday, XXXX to XXXX Eastern. " On XXXX XXXX, 2015, I logged into my PayPal account and saw that my new XXXX ( XXXX ) was listed as an accepted form of payment. I then called the XXXX number and spoke to a representative. I requested to have the PayPal Credit account cancelled and to have the original transaction charged to the XXXX. She told me that PayPal Credit ( PPC ) did not accept credit cards and that I would have to provide a bank account for payment. I told her that I had been deceptively signed up for the PPC account and insisted on making the payment with the MC. She continued to insist on the bank account transfer. I asked to speak to her supervisor and was transferred to " XXXX, in Arizona ''. He also refused to take payment from the XXXX and insisted on using a cash account to settle the transaction. I told him that I would be filing a complaint with their Federal regulator prior to making any payment decision but he did not change his position. I asked for his supervisor 's name, " XXXX XXXX '' and an address to complain to PPC, " XXXX XXXX XXXX, XXXX, MD XXXX ''. I then ended the call. 
A quick internet search showed me that PPC had already paid a XXXX fine to the CFPB for similar practices in Civil Action No. XXXX. I then decided to file a complaint immediately with CFPB.

Company response to consumer: Closed with non-monetary relief