BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-28
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX NC XXXX. Worked a deal and signed the paperwork for a used car loan. 
Credit Acceptance financed XXXX $ The down payment was unable to be met because of circumstances out of my control. 
I contacted XXXX after canceling the check for XXXX $ saying I need to bring the vehicle In and that there was a hang up with the money wire me and my co-signer were expecting to arrive that day from a staffing company based on the west-coast. 
XXXX continued to string me along and push the days out more and more to give me time to bring, XXXX $ to keep the vehicle in my possession. 
On XX/XX/XXXX I successfully was able to get to the dealership in the hours that the owner was still present and he lied multiple times about the financing and my only option moving forward. I Willing gave the dealership all keys and property to the XXXX XXXX XXXX. My personal belongings and tools were in the back replacing the third-row seating. the owners father agreed that i am not to get any of my tools back until the third row seating was brought back. I agreed and assured them i would be back momentarily after calling an XXXX to get to my bosses truck to retrieve the third row. the owners son was swearing and acting foolish, wile I held professionalism. When returning the third row seating the owner take them out the truck and locks them away, and tells me Im XXXX  and that Im not getting my belongings until he receives XXXX $ from me He threatens a Lawsuit. I proceed to step outside call my legal representation and am instructed to not leave. XXXX   XXXX XXXX badge # XXXX responds at XXXX on XX/XX/XXXX after being dispatched for a call received from XXXX the owner of XXXX.I awarded all my property and turn over all of XXXX 's. 
Currently Credit acceptance has not been able to get in-touch with XXXX, XXXX has relinquished the title and Credit Acceptance has a  lien on it. I am being held responsible for a car loan and Payment for a Vehicle that XXXX Illegally Has for sale on there website showing inaccurate Mileage. Credit Acceptance is holding me responsible for the payment. XXXX XXXX XXXX is conducting illegal business in many ways, not holding up to do-diligence, and the Active car loan on my Report has cost me thousands and dropped mine and my co-signers Credit score. 
They are in the process of actively attempting to commit fraud by keeping the Financed XXXX $ and resell the vehicle with out proper 10 day notification of sale of the vehicle i currently am responsible for and have legal ownership of, all at my expense. 
As of XX/XX/XXXX I still do not have possession of the vehicle and have lost almost 30 days of work and income because of not having a means of transportation.

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 2017-02-14
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient reported me 90 days late to Credit Bureaus XX/XX/2017. I was approved for forbearance on XX/XX/2017 to include the months which they reported me. I spoke with the advocate office and they indicated I listened to their recorded terms of the agreement when I was approved for forbearance and they reported accurately. They did mention that they updated the Credit Bureaus that I was no longer past due however that did not remove the 90 day late from my credit report. My argument is this. Navient approved my forbearance for what was past due, which brought my account current with no payment due for those months and my next payment is not due until XX/XX/2017 - than Navient is NOT providing accurate information to the credit bureaus. They are supposed to correct and update the information they are reporting as ( they ) Navients records now show that there was no late payments on my account as they approved the forbearance to be retroactive and delete the past due amount from their records to bring my account current. Should Navient not report this same information to the Credit Bureaus as well? Who regulates these agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Creditor is not accurately reporting a mortgage debt to the credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Item XXXX : The most recent payment history that I received from Ocwen on XXXX/XXXX/2015 shows significant variances in the principle balance over a very short period of time. Example of the variances are as XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX $ XXXX XXXX : Escrow balances on the payment history shows significant balance variances all shown on XXXX/XXXX/2015 of the report. The balance varies from a high balance of {$3600.00} to a low balance of {$560.00} all in XXXX day. The variance is {$3000.00}. Payments in the amount of {$1800.00} were made out of escrow for property taxes and home owners insurance payments. 
A reasonable person examining the payment history that Ocwen provided would not be able to determine whether the account balances on the mortgage are correct. 
The payment history provided by Ocwen reveals numerous accounting irregularities suspense adjustments, account balance reversals and variances that are not standard accounting practices or simple clerical errors and may constitute violations of both RESPA, CFPB rules and laws, or fraud. To date I have been unable to obtain satisfactory responses to my Ocwen complaints from the Ombudsman, Relationship Manager, or any entity within Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
COUNTRYWIDE HOME LOANS, INC., ( D/B/A " BANK OF AMERICA HOME LOANS '' ), is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a loan with XXXX. ( hereinafter " XXXX '' ). To secure repayment, the XXXX executed a Mortgage with XXXX as nominee for XXXX which was recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX. ( See " Attachment '' ). 
COUNTRYWIDE HOME LOANS, INC., ( D/B/A " BANK OF AMERICA HOME LOANS '' ) is stating that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX, XXXX XXXX OWNED ASSET is now the mortgagee of record. ( see " Attachment '' ).

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 2015-12-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other

Complaint:
i paid a company XXXX on my visa card.when a problem arrived and i asked my visa for help to retrieve my funds they left me high and dry.i explained my issue to them and they simply told me i was to late.it is my understanding my card company could go outside the initiation time frames.i expected a lot more out of my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I purchased a flood insurance, not required by my mortgage company. I had a flood and got a check for {$32.00} in XXXX. I have been stonewalled by my mortgage company ever since and have not been able to cash the check. I rebuild my house as a owner/constructor and should be able to fix the damage myself. I have all documents to prove that I was my own construction company. The mortgage company will not respond to any of my correspondence XXXX XXXX, XXXX XXXX XXXX, a XXXX XXXX supported lawyer company. 
I was in foreclosure, through XXXX I am no longer in foreclosure and has not been for a year. 
My foreclosure lawyer also tried to help me in this matter and he got stonewalled as well. 
I do not know how to or where to go for this matter to be dealt with and hope you can help me so this matter will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX XXXX have an insurance ( insurance ) claim, due to a fire, the claim begins with XXXX XXXX XXXX, and was transferred over to Owen Loan Servicing. 
The XXXX draw was distribute to the contractor, However he did any building,, Ocwen was informed of the matter on hand, when the loan was transferred over. I informed Ocwen again of the matter. Ocwen states that it is XXXX XXXX XXXX responsibility because the check was sent out by XXXX XXXX XXXX. And they can not act on the issue, with out Authorization from XXXX XXXX XXXX. 
Ocwen wants to know why I am inquiring of the matter, to them and they will not take any action on the matter, or assist with the issue. Per Ocwen it 's XXXX XXXX XXXX responsibility. Per Ocwen they will not do the necessary process to inquire about the XXXX, for the completion of the repairs because it is XXXX XXXX XXXX responsibility. And for me not contact them, any more. 
I received ( return ) a call from, Ocwen ( XXXX ) representing XXXX XXXX XXXX. On what they can and want do. 
Per XXXX, it is Ocwen responsibility to inquire with the contractor, on the repairs. Because the loan is with them and the money is part of the Mortgage loan. 
Please see Attachments. 
Per Ocwen, they need XXXX XXXX XXXX authorization, to proceed to take action on the money. Due Ocwen need Authorization to move forward with Retrieving the Missing Money ( Funds ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Cooper Hoffman Klein Associates
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My XXXX year old daughter is receiving non-stop calls on her cell phone from " Cooper Hoffman & Klein Associates '' attempting to collect a debt from someone named " XXXX XXXX ''. We block the calls but they keep calling from other phone numbers. I called on XXXX/XXXX/15 and spoke to XXXX - I explained the situation and he hung up on me. They reference Case # XXXX and have called from these numbers : ( XXXX ) XXXX ; ( XXXX ) XXXX and ( XXXX ) XXXX. The voicemails threaten legal action and someone will show up at our house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have XXXX mortgages with PNC, the XXXX mortgage has an adjustable interest rate, the XXXX is going to mature next year, at that time the payment on the XXXX mortgage will XXXX. I reached out to PNC mortgage in hopes to do a XXXX mortgage loan modification, during the process they established an escrow account without my consent and offered to extend my loan to 40 years, ( from the current XXXX I have left ), and increase the interest rate for a $ XXXX/dollar savings per month. This offer was a slap on the face and clearly will put me in a worst situation in the long run. 
My loan package, per PNC guidelines, contained over XXXX pages of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We deeded the XXXX house to my daughter XXXX XXXX in XXXX retaining a life estate. She received a XXXX $ mortgage in XXXX XXXX. Our names were handwritten and added to the mortgage and we signed as life tenants not borrowers. It is my understanding that life tenants ca n't apply for s mortgage. We never signed as borrowers as indicated on mortgage. Also XXXX was never in our house as we testified to. Attachment That mortgage was satisfied in XXXX XXXX. Attachment It no longer exists on the recorded county registry. 
XXXX XXXX then received a XXXX $ mortgage attachment which we were not aware of nor signed this mortgage. This is the now the recorded loan, not the XXXX $ .attachment We went through foreclosure mediation with an attorney and it was denied. Indy Mac became XXXX XXXX now it is Ocwen. Ocwen refused to negotiate with the XXXX $ since it was the title company 's error which they admitted. 
They are now in court to take away our life estate with the XXXX $ loan and s judge ruled in the banks favor. We are now appealing that decision that this mortgage NOT tecorded. The regulations are in NJ statute that recorded documents can be utilized. They are using a mortgage that no longer exists. Indy Mac knew of the title company 's mistake by not researching rhe recorded deed. Attachment in order to get their money in their greed they are allowed to utilize a previous loan. We as life tenants wish to keep the house and settle to receive a loan modification to purchase the property and remain in the house. The bank knew of the recorded mortgage but chose to file s complaint against us removing our life estateso they could foreclose. Our appeal Might not be heard leaving us without s home to live in with our granddaughter. We deliberately did a life estate to prevent this from happening. SO title company off the hook and bank Pursuing illegal Options. The first mortgage we are not borrowers as they claim and the recorded loan we were not included as life tenants so that mortgage not valid either. We are left with in a difficult position as the courts have sided with the judge and our appeal might not be heard. We ca n't get a loan because the house not in our name, the title company did not orotect our interests, the borrower is not sued but we are foreclosed on with no roof ovef our head. 
The title company and bank should be held acvountable for their illegal banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was let out of a previous lease from XXXX and I was informed I would receive a bill after my deposit was deducted from the balance of the last month 's rent only if I owed. I was informed by the manager that I should NOT have much balance after deducting my security deposit. After not hearing back from the leasing manager, I called and was informed they were attempting to locate the paperwork from when I initially moved into the apartment complex since it was through a different company and they ( XXXX ) bought out the previous owners. The leasing manager confirmed my previous apt . # ( XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ) and confirmed I was moved to XXXX XXXX XXXX XXXX after many of us was relocated different apartments due to fire. Months later I received a bill stating I owed {$780.00} with no deduction of my deposit. There was no damage to the apartment, no clean up fees attached no nothing but this balance for the last month 's rent. Later I wrote them online through their website and never received a reply. I also wrote the management company and never received a reply. I then later received a bill from a collection agency with a larger amount, when I called them they stated it was due to interest. I explained to them the inaccuracies and informed the collection company I should not have a balance, but it did n't matter to them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been dealing with Bank of America for 5 years now with foreclosure proceedings. I have done XXXX applications since XX/XX/XXXX. All but XXXX have been denied either because they stated they were completed right, or signed in proper places, a box was n't checked or other issues. Each time they stated these things, I have gone back and seen that it was done. I kept each modification because I faxed them in and my lawyer faxed them in as well. 
In XX/XX/XXXX, we went to court and won a judgment due to the fact that they acted in bad faith. At that time I had only XXXX mod applications in. Intrest fees and attorney fees and late fees were dismissed and were not to be charges after a certain date. That still did n't help with money owed. We then went to conferences to get this worked out and get a modification. Still, even when in conferences, they kept saying not completed and missing paperwork and so forth. Kept denying us, even when my attorney explained to them all paperwork was there and filled out properly. The referee stated as well. 
So, we have put in XXXX application and XXXX denied. The XXXX modification they offered was at least XXXX to XXXX dollars more than we were paying for the regular mortgage. This all started in XX/XX/XXXX, when I tried to get a lower payment, and since I was n't behind my first case manager XXXX stated that we could get a 3 month forebarence. Then after the forebearence period we would be offered a modifictation. 
And would n't you know we were not offered a modification ... .. So even when working with an attorney for 5 years were still not getting anywhere. 
ON XXXX XXXX XXXX I HAVE COURT AND I 'M PROBABLY GOING TO LOSE MY HOME BECUASE THE BANKS CAN DO AS THEY PLEASE AND THEY DONT HAVE TO OFFER ANYONE A MODIFICATION. THE BANKS ATTORNEYS HAVE SUB MITED A SUMMARY JUDGEMENT DUE TO THE FACT THAT THEY STATE THERE IS NO TRIABLE ISSUES. I DONT BELIEVE THEY SHOULD BE DOING THIS BECUASE THEY ARE NOT ACTING IN GOOD FAITH. PLUS THEY DIDNT OFFER ME A FACE TO FACE MEETING BEFORE ALL THIS AND THEY BOUGHT MY MORTGAGE FROM PRECISION FIANCIAL. ALL I WANTED WAS TO GET A MODIFICATION SO I COULD AFFORD MY LOAN. THE BANK HASNT COOPERATED WITH US AND THEY HONESTLY DONT CARE THAT MY FAMILY AND I WILL BE HOMELESS IN A FEW WEEKS BECASUE THE INSIST ON NOT GIVING US A MODIFICATION WE CAN AFFORD. I DO NOT BELIEVE THAT THEY ARE FOLLOWING REGULATIONS AND BEING FAIR.

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 2016-05-19
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX my mortgage with OCWEN reached its maturity date. OCWEN would not accept my last payment due to fees on account. I tried to work this out with OCWEN, instead they hired XXXX to start foreclosure. On XXXX XXXX XXXX sent me a NOTICE OF INTENTION TO FORECLOSE. With the amount of XXXX needed to satisfy mortgage. The amount was good for 30 days. I did n't have all the money, so I call OCWEN to reduce some of the fees to no avail. On XXXX XXXX, 2016 XXXX sent me a new complaint with XXXX due. I contacted OCWEN and they sent me a higher amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I answered an ad on XXXX that said that there was this family looking for a nanny to take care of their XXXX year old boy. A couple days after I answered the ad the person that put up the ad contacted me through email and gave me a description of how the job would be. I was a little hesitant at first but I accepted the job and once I did they sent me a check for XXXX dollars which was for errands and for my XXXX weeks pay.They had explained to me that they were living in XXXX at the moment due to the mans job with the XXXX and that they would be moving back to the desert on XXXX XXXX. They also explained that their house was being renovated and so a couple days after they told me that they had told me that their renovator needed more money before they could finish the job so I went to the bank and withdrew XXXX because they sent me specific instructions to send their renovator money through XXXX and XXXX XXXX. The amount they wanted me to send was XXXX but I ended up sending the whole XXXX they sent me and 40 dollars out of my own pocket to pay the remaining balance. A day after I sent that money I had checked my bank account and saw that I was negative XXXX dollars and just did n't understand why. After I saw that balance I went to my bank which is Bank of America to see what had happened and I found out that the family had committed fraud against me. The bank told me that I was liable for that money because it was deposited in my account but what I did n't understand was why the bank would process a check that was fraud and let me withdraw XXXX which was money that did n't even exist. I explained this feeling to a banker and all they said was, " that stinks but we ca n't do anything about it because you are liable for that money. '' The fact that the banker said those exact words to me which started off with something completely unprofessional came to a shock to me because they just were n't going to do anything to help me when this whole situation was n't my fault. They let me deposit a fraud check and than they let me withdraw almost all of that money and in the end I was the one that has to suffer with negative money in my account and I find that that completely unfair.

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