BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-16
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were in chapterXXXX we completed our plan in XXXX XXXX we were instructed by the chapter XXXX trustee that we were to start making our own payments in XXXX XXXX and we did, Dietect sent us a letter in XXXX stating we were one or more payments behind and in default, not True and I wrote them sent them bank statements showing they had got all of our payments and when they had ach through our account, they ignored it and kept dunning us for a payment or payments we do not owe, they have called my husband at his job they have sent incorrect house statements we have wrote them every month since XXXX XXXX asking for a correct house statements with no answer we have wrote them in XXXX requesting they tell us which payment they say we did not pay, because I have bank records showing all my payments from XXXX XXXX untill XXXX XXXX where the ach my account and got all their payments, I have contacted my Bankruptcy Attorney and they have contacted the Chapter XXXX trustee and told them ditech was saying payments had not been paid and was told by yhe Bankruptcy Attorney that the chapter XXXX trustee contacted our mortgage co XXXX XXXX XXXX with a 21 day final cure payment because we were getting ready to complete our XXXX XXXX and if any money was still owed the XXXX co had 21 day to respond and they did not respond so they conceeded we were paid so in XXXX according to our chapter XXXX trustee they paid XXXX XXXX, XXXX XXXX and XXXX XXXX payments so there is no way we are behind in payments Ive sent all of this to Ditech and they still refuse to quit trying to collect payments from us we dont owe.They will not provide us with the so call missing payments so we can present them to the chapter XXXX trustee, we have had no info on our house for 5 years while we were in chapter XXXX we know we made all our payments as instructed by the court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-07
Company: CAVALRY INVESTMENTS, LLC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Cavalry debt collectors filed a lawsuit against me and on XX/XX/XXXX levied my entire bank account without notifying me of any of this. This is from a debt that is over 7 years old I believe, and that I had believed to have been settled years ago. I had no idea this debt was still active and no idea any lawsuit had been filed. The docket number I found out after I called because my bank account was levied is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been processing a short sale application with Ocwen Loan Servicing since XX/XX/2016. The borrowers were approved for participation in the HAFA short sale program. Ocwen delayed the file, requesting the same documents again & again, and we did n't even see an approval on the purchase offer until XX/XX/2016. By that time, the buyer had walked because property values in the area dropped significantly due to a drastic increase in inventory, combined with the deteriorating condition of the home and having had to wait so long just for a decision. We then submitted a new offer for {$28000.00} less on XX/XX/2016, with all current documents. Ocwen 's valuation of the property came in at the same amount of the offer so everything was looking like it could move forward. However, Ocwen is now saying that the application deadline for HAFA was XX/XX/2016 and they did n't have all of the documents on file so the borrowers are no longer eligible. This derails the entire transaction because their in-house short sale program does not allow nearly enough money towards the junior lienholders, and it removes any/all relocation assistance to the borrowers. I would also like to mention that the only document Ocwen did not have, according to them, was an unpaid principle balance statement from the 2nd lienholder. They had several copies of this document throughout the process since it 's conception in XX/XX/2016 and we had to get special approval on the document because of how the collections company was required to issue the statement. Basically we went through all of their hoops to get the first HAFA approval, which took a total of 6 months to be approved, and now they are saying the homeowners did not submit the application in time for the new offer. In addition, the makinghomeaffordable.gov website states that the application deadline is XX/XX/2016, not XX/XX/2016 as Ocwen is stating. This would give the borrowers more time to submit whatever Ocwen claims is missing from the file. The borrowers have done everything they needed to in order to complete Ocwen 's ridiculous process, and now that they have another viable offer, which Ocwen has had in review for over 2 months already!, Ocwen says they can not participate. I would also like to stress the fact that the borrowers already had a HAFA short sale approved just 2 months ago as well so it makes no logical sense that they now do not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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:
The following reported information and inquiries reviewed by others listed on my Chex Systems XXXX Report ID : XXXX is fraudulent accounts and a fraudulent credit inquiry : XXXX XXXX, {$3900.00}, XXXX XXXX XXXX, {$380.00} and XXXX XXXX XXXX, XX/XX/2021, These fraudulent accounts and inquiry is the result of identity theft. I have a current police report on file with Chex Systems for being a victim of identity theft.

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 2015-11-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were on time, every month with our mortgage. OCWEN began taking our additional monthly payments and putting them into a " suspense account '' rather than paying down our principal. When they would not pay down our principal, I asked OCWEN to apply my extra payments towards next month invoice. They said they would, but they never did. All additional principal payments never went to principal, but into suspense account. The math became impossible to understand. We never missed a payment, now OCWEN says we are six months behind! And we never missed a payment. They assigned us a " relationship manager '' as an advocate of Ombudsman Department but they never return calls or emails. Its a scam! Now they have a lawyer calling us and they stopped accepting regular monthly payments. They forced us into foreclosure and our perfect credit reports now have XXXX late payments and our scores went from XXXX to XXXX and dropping! Our loan officer says we can not qualify for a mortgage now. Many states, including California have fined them XXXX of dollars for mishandling loans, but they are still in business and they should not be. Remember, politicians take lobby money to protect big business. Only in numbers can the people prevail. Submit your complaint now and be heard!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: FL
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:
I do not owe this company ANYTHING. I have tried to fix this several times, I need some help. XXXX XXXX # XXXX through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: CREDIT ACCEPTANCE CORPORATION
State: WV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a new car, and I gave this one back to the finance company. My new car dealer drove the XXXX to XXXX for me, and he spoke with the owner regarding the vehicle. The owner made him park it in a back lot, so it would be out of his way. I followed behind, and picked the dealer up. 
I have a voice recording of my call to Credit Acceptance, explaining to them that I voluntarily surrendered the vehicle and returned it to the place of purchase. XXXX informed me they normally pick up the vehicle within 10 days. They will sell the XXXX at auction and bill me for the remaining balance. I requested they not call me continuously until the vehicle is auctioned. 
I immediately mailed my key to XXXX, who has possession of the vehicle, along with a copy of this form and the notes above the line. 
I drive by and check on the vehicle periodically to see if the vehicle has been picked up yet, and to ensure no vandalism has occurred. 
The financing company has not yet picked up the vehicle. They continue to call me multiple times a day, seven ( 7 ) days a week. Sometimes they leave voice mails, sometimes not. I only get a bit of the voice mail, which is an automated message to call them. At this point, my voice mail box is full. I refuse to clean it up and make room for more until they cease harassment and follow through with their established procedures. They call from so many different numbers ; it is nearly impossible to block them. I 've tried to compose a call history, but I can not guarantee I got them all. It makes my eyes cross and gives me a headache!

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 2016-07-25
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Signed up for Citigold XXXX XXXX AA miles promotion. Completed all the necessary requirements and was promised points numerous times by several employees via phone and secure message. I was told the points would post no later than XXXX, it is now the end of XXXX. I am incredibly frustrated and all of the cases that have been opened from my phone calls have mysteriously disappeared. Citi has NOT delivered on their promise. Incredibly frustrated, and a shame that they treat loyal customers this way.

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 2015-06-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit Report shows a XXXX XXXX XXXX started in 06. Balance of XXXX. Then sent toXXXX XXXX. Now XXXX. I never owned a XXXX XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage collector, XXXX ( nka Ocwen ) refused payments and forced me to file Chapter XXXX Bankruptcy. My Chapter XXXX was a full repayment plan. After all payments were made the Court confirmed with all Creditors that full payments had been received and they said that nothing was due and owing. 6 months after my bankruptcy was discharged Ocwen claimed ( through notice to my attorney ) that I owed an additional {$8500.00} and threatened foreclosure. My bankruptcy attorney was not helpful with disputing this amount and I was so stressed out that I went ahead and entered into a Loan Modification with them and did not dispute the amount. During the bankruptcy and after I have requested monthly statements. My attorney sent several letters telling the it was ok for them to send monthly statements ; and I have called and faxed/mailed letters asking for monthly statements. I have not received a monthly statement since 2008. When I call they tell me that they have notes saying that I told them to " not '' send statements. Oh and when I do call I 'm calling XXXX or some foreign country. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} - Collection XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

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 2017-03-31
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
FNB purchased our mortgage from XXXX XXXX when XXXX XXXX sold. FNB did not pay our property taxes and possibly insurance for one and half years. When I found out and contacted the bank, I was told there was an email from the former bank that said not to pay our taxes. We were never informed and this is incorrect. Our mortgage agreement has not been modified. Taxes and insurance are part of our escrow. The new bank charged us {$100.00} extra to compensate for having to pay our taxes. We disputed this but ended up not fighting it and paid the extra {$100.00}. Now, the bank is raising our mortgage payment $ XXXX/month for the same reason. Due to the negative escrow. We have tried to get an explanation from the bank as to 1. Why did they stop paying our taxes and 2. What happened to our payments for the 1 1/2? Where was the money applied that did n't go towards escrow? The collection department representative, XXXX, has been helpful enough, in the sense that he allows me to ask questions etc ... but I 'm not getting any real answers. How can a bank just stop paying escrow without notifying us? How is that okay?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a car and it was reposed. Credit Acceptance garnished my wages and later placed a judgment of {$11000.00} plus {$260.00} for court cost in XX/XX/2009. I 'm trying to paid the judgment of {$11000.00} and was referred back to the attorneys that represented the Plaintiff. The attorney 's office told me I now owed {$23000.00}. It is my understanding that the amount I owe is the amount of the judgment {$11000.00}. I am a XXXX mother in XXXX trying to pay off this debt so I can buy a home for me and my children. This judgment is no longer on my credit report but it is still affecting my ability to become a first time home buyer.

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 2015-06-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
I have several unauthorized credit inquiries on my credit report to companies in which I have not applied. I have attached the documents that i have mailed and faxed to the alleged creditor requesting that they remove the unauthorized credit inquiry from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Returned vehicle on a lease. Before returning the vehicle I had it gone over by a licensed auto body tech. XXXX dollars spent on nics and scratches. After vehicle was returned I received a bill for {$400.00} for scratches on the car.

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 2017-04-06
Company: Ability Recovery Services, LLC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Ability Recovery Services has inserted this account on my report and have not sent me a dunning letter or any notification that they were attempting to collect a debt. This is in violation of my consumer rights. Additionally, this is a collection company of which I have never heard of nor ever did any business with them. How then are they reporting that I have a 1-month term with them? How do I have a balance and a past due balance with them when I have never heard of them. This account is inaccurate and unverifiable. It should be deleted from my report immediately. 
This company has not sent any not even 1 piece of information to my address. I only noticed this account on my credit report when I pulled it. If they sent me something to indeed prove this then why did n't they include it with their response. This company is lying and in direct violation of my rights. I sent them a letter on XX/XX/XXXX. How then did they send me a letter in XX/XX/XXXX and XX/XX/XXXX yet they just reported this account in XX/XX/XXXX. It is obvious they are lying. I am requesting that this account be removed because they are in no way telling the truth. Had I received any documentation from them, I would have disputed prior to XX/XX/XXXX. I have a credit monitoring service that notified me on this day of this account being added ; hence, my reason for disputing with them in writing on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Clay Chapman Iwamura Pulice & Nervell
State: HI
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX, XXXX # XXXX, from Clay Chapman Iwamura Pulice & Nervell is demanding payment of a debt and threatening to foreclose on a property that our singular marital entity ( " legal identity '' ), XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, at Common Law, XXXX XXXX XXXX XXXX, as Fee Owner, holds paper title too. 
Another disturbing issue is that XXXX XXXX XXXX, XXXX # XXXX, from Clay Chapman Iwamura Pulice & Nervell, is conveying that XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, at Common Law, XXXX XXXX XXXX XXXX, as Fee Owner, signed a promissory Note and/or Mortgage with XXXX XXXX XXXX, XXXX. ( " Lender '' ), on or about XXXX XXXX, 2006. Please Open Attachment.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-18
Company: Global Recovery Group
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
GLOBAL RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX use deceptive methods to collect a debt from me. They had an unidentified male contact me and claim to be law enforcement threatening to go to my home address and said I 'll be served and arrested if I did n't call in to XXXX XXXX to pay a {$750.00} credit card debt within 10 minutes on XXXX/XXXX/2016. 
They also threaten to seize, garnish, or sell property. I felt my family was in danger so I call and gave them my debit card number.

Company response to consumer: Untimely response
Consumer complaint received 2016-08-05
Company: Global Recovery Solutions
State: TX
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:
This " company '' has now called my co-worker 's number 5 times in a row, within 2 minutes, and have left messages sharing information such as " they have a complaint against me '' on a voicemail that is not mine. This is AFTER they were already told to stop contacting me or my place of business, and to send written verification of a valid claim/debt against me. This has now become harassment. I searched and it appears it may be Global Recovery Systems? They also use a fake number with my area code to try to trick me into answering.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian has me as 30 days past due on my XXXX car loan account which is inaccurate, I have disputed with no change this needs to be removed. This is NOT true see attached and per XXXX THEY NEVER SENT THIS DATA to Experian. This needs to be removed ASAP as it is unfairly hurting my credit rating

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