BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My credit has been stolen. I have placed a freeze on my credit and have an open police case in XXXX XXXX California. I see a New unauthorized Loan on my Chase account. 

Account : XXXX Amount : {$44000.00} Vehicle : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: DISCOVER BANK
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls from XXXX, up to XXXX XXXX times a day, auto dialer. After I have informed them, elderly are in the home, and the person they want is not here. 
.. Discover Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We have been trying to sell our home. The title company has requested Ocwen to supply a reconveyance or payoff of XXXX $ balance of the XXXX mortgage for the past XXXX days. Ocwen has been nonresponsive. The XXXX mortgage is paid in full and the account is fully satisfied. We are trying to sell the home to pay Ocwen and satisfy all accounts but they have been non-responsive to the requests or providing false and/or incorrect information. We have prolonged the closing dates several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan at Ocwen, was paid off on XXXX XXXX, 2015 through a title company at settlement. On XXXX XXXX, 2015, Ocwen took my normal monthly mortgage payment from my bank account ( even though it was paid off from the day before at settlement ). On XXXX XXXX, 2015 Ocwen sold off the mortgage to XXXX I am looking for a reimbursement of my mortgage payment from XXXX XXXX, 2015 as well as the overage from the loan payoff. Ocwen can not talk to me because the " Sold '' the loan ( even though it was paid off before they " sold '' it ). XXXX has no record of the payoff/overpayment because their system will not be updated for 3-4 weeks. All in all, I have no way of " stopping '' my auto deduct with the new company because I can not access my new account information and I have no one who can help me recover the extra loan payment taken as well as any overpayment of the " Payoff ''. I am in need of a refund, ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted a complaint via certified mail to Equifax more than one year ago. My Equifax credit report shows the dispute and says it is under investigation. Under the Fair Credit Reporting Act, Equifax had up to 45 days to resolve this dispute. They have yet to update the debt which is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: APR or interest rate

Complaint:
My husband and I purchased a credit card from Best Buy in XXXX 2014. We used their 18 months no interest financing. We were charged {$250.00} because we were {$23.00} off in paying the total in 18 months. We asked for a refund on interest but were refused. We asked for statements to research the charge but were told to get them off their website. They only have 6 months of statements with limited information and any more statement will be mailed in 7 days. We also tried to file a disputed while we research the charge but are unable to do so according to the website and representative. We can either pay interest on our interest or have charges negatively affect our credit while we try to reach a resolution and research these charges. The best solution the representative had was to send a letter to Best Buy headquarters which is " highly unlikely to help '' or wait until the charge is sent to collection to disputed the charge, XXXX of which are unacceptable.?

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 2016-09-16
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted a complete loan modification on behalf of our client to Specialized Loan Servicing ( SLS ) on XX/XX/2016 with a scheduled sale date of XX/XX/2016. However, on XX/XX/2016 the bank sent us a letter advising they were unable to review the package due to the upcoming sale. My client wants to save her home and in good faith has provided the complete package with ample notice to at least be reviewed and considered for a work out. It is not my client 's intention to delay the foreclosure but merely to find a solution to save her home. While I understand there is a 37 day rule if the bank truly wanted to help the borrower they had ample time to at least review what was submitted and determine if she qualified for any workout solution or offer any alternatives, yet they did n't nor have they provided a formal denial letter. We would like to have the sale postponed in order to give the lender time to review the financial package that was submitted.

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 2016-04-12
Company: Metro Collection Service Inc.
State: CO
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 had a lease on a property with a lady names XXXX XXXX. I had to break the lease on the Rental shop which I had signed and agreed to pay her. I did not however have a contract on the home. XXXX XXXX forged my signature on the contract for the house to make it appear as though I owed more then I did. It has since gone to a collection company and they say that I owe XXXX which I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: EVERBANK, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i had lost my job and was trying to modify my mortgage loan. i had requested and filed my paper work to my mortgage company and month after month they said they did n't get my paper work so i had to start the process over, while going threw a modification ever home wont except any payments so i was falling behind on my payments.after about 2 years i figured out that they was n't going to help me they just wanted me to lose my house. i looked for help with fannie mae where they did help me keep my home. my problem now is i have many late payments on my credit report and would like to see them gone is there something i can do

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX, and I am the widow XXXX XXXX XXXX XXXX as well as the executor of his estate and rightful heir to our property in XXXX New Jersey. I am contacting you because our mortgage company Ocwen has not given us the opportunity to resolve our delinquent payments and is moving to foreclose on this home instead of working with me towards a modification or payment arrangement. My husband and I bought this home in 1996 and made payments as agreed for nearly FIFTEEN YEARS. After my husband passed away I had major health issues and ended up unable to meet my financial obligations and fell behind on the mortgage payment. 

I began trying to work things out with Ocwen by applying for a loan modification but have failed to make any progress. Our current interest rate is 7.75 % -- when we bought the house the interest rate was at 12 %. Our mortgage lender has collected a large amount of interest over the last 15 years, and XXXX would think they would be more willing to try and resolve this issue with me instead of moving to aggressively foreclose. 

Our financial circumstances have changed since we first applied for assistance. My daughter is living with us and contributing and we also have a boarder who pays a monthly rent. I am currently in review for XXXX benefits and expect that to be approved shortly, which will really help us out financially. My issue is that we are struggling and have a true financial problem and yet Ocwen has not been able to offer any possible solutions. I am aware that Ocwen received billions in government bailout money. I also am aware that Ocwen was fined by the government for unethical foreclosure practices. 

I am not asking for a handout, and I realize that we are very delinquent on our loan. But I also know that our lender has collected 15 years ' worth of payments and our balance is very low while our interest rate is very high. I believe that are many options to restructure this loan and put late payments back into the balance or defer them through a forbearance agreement. At this time Ocwen refuses to accept a mortgage payment and have told me the only option is to make a lump sum payment of the full past due amount. I just ca n't do that right now, but I desperately want to save my home and resume making monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I did file a complaint in XXXX with your office. It was registered as XXXX number : XXXX. The response from the bank was not satisfactory, but life is too short to fight for one 's right. I paid for the late payment charges on my credit cards due to account closure and took necessary steps to be able to pay future bills. If Chase wanted to close our account, even on erroneous pretext, so be it. There are many other banks in the US and in the world. But after over 40 years of having our account, our mortgage they erased our account history which was now electronic. They stated in their response to you that they were sending the past five years by USPS. Another twist of thr truth. Three months later it has not arrived and USPS tracking says : " Tracking Number : XXXX Not FOUND ''. How do I find the data to file my taxes? 
This is just to set the record straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
i contacted you about an issues with greetree/ditech. they never address the issues and now have started foreclosure proceeding on XXXX XXXX, 2016 please see case # XXXX your agency sue this company for my very issue,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Asset Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had an apartment lease with XXXX ( XXXX XXXX XXXX ) and my lease was for 14 months. Throughout that lease I had been late a few times so the company decided not to renew my lease. They sent me a letter around XX/XX/XXXX/XX/XX/XXXX ( no longer have letter ) stating they were not going to renew my lease due to several late payments so I decided to move in XXXX XXXX. My lease expired on XXXX/XXXX/XXXX ; I moved out on XXXX/XXXX/XXXX which was the same day they served eviction papers for me to exit premises. Since I was unable to renew my lease with Villages of XXXX, I decided to not pay my rent for XX/XX/XXXX and move into another apartment. It didnt make sense to pay rent for XXXX apartments if I knew I was already moving out of XXXX. I needed the money to move into my new place and since they were not renewing my lease it was only right to find another place. So the day they served eviction papers, I was actually moving out of the apartment. They stated I had to write them a letter that I was leaving but I was unaware of that. My mother and I spent the whole night cleaning and movig out the apartment ; the leasing office stated I didnt clean the apartment which is not true. They took pictures of unvacuumed carpet and crumbs left in the stove and a hard water stain that was stuck in the tub ( which was there when I moved in ). I even brought that to maintenance attention when I first moved in plus it was a disgusting garbage smell from the sewer system. Maintenance stated that the stain was old and the smell was from the apartment sitting for some time. Now I have this eviction listed on my credit which is prohibiting me from finding housing. I moved because they stated they was not going to renew my lease so to make matters better for myself I decided to just go. Prior to me moving I received a letter from the leasing office XXXX XXXX stating that I owed them for XXXX XXXX rent that had been reversed. As an early XXXX gift, my rent was payed by a friend and I didnt know it had reversed until I received the letter. Now I owe for XXXX XXXX rent, cleaning fee, XXXX XXXX rent, and breaking lease. I dont understand why it took 2 1/2 months to see the reversed payment and I did clean the apartment but they say I did not. I would like some resolution to this please. I also have pictures of the apartment.

Company response to consumer: Closed
Consumer complaint received 2015-12-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX, GMAC as servicer filed a foreclosure complaint on my property. The alleged note did not contain any blank endorsement. GMAC went into bankruptcy, and the case was stayed for awhile. Later plaintiff was substituted for XXXX. The substitution was initiated by Ocwen Loan as servicer with the help of XXXX located in XXXX XXXX. 
Ocwen is illegally attempted to foreclose on a mortgage it knows it does not have standing to foreclose. The trial is scheduled for XX/XX/XXXX. Ocwen is once again engaging in questionable servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2022-10-30
Company: MID-ISLAND MORTGAGE CORP.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, our mortgage lender, Mid-Island Mortgage Corp., notified us that our hazard insurance was expiring and asked us to provide insurance information. When we contacted our insurance company, XXXX XXXX, to request information on our policy renewal, they informed us that our policy had been canceled on XX/XX/XXXX because our lender had failed to pay our premium out of our escrow account. We had been without hazard insurance due to Mid-Island Mortgage 's payment error, and they had not notified us that there was an issue. 

We immediately asked XXXX XXXX on XX/XX/XXXX to reissue a policy for us, which they did. The new policy was issued on XX/XX/XXXX. 

After repeated attempts to submit information about the new policy to Mid-Island ( including conversations with customer service representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Mid-Island acknowledged our new coverage and issued a check on XX/XX/XXXX to pay the premium on the new policy in full. However, on the check they cited the policy number of the canceled policy, causing XXXX XXXX to initially apply that payment to our canceled policy. However, XXXX quickly realized the error, applied the XX/XX/XXXX payment to our active policy issued on XX/XX/XXXX, and notified us of the error via email. We believed all issues had been resolved at that time. 

Yet on XX/XX/XXXX and again on XX/XX/XXXX, we received notices from Mid-Island Mortgage about our lapse in coverage from XX/XX/XXXX to XX/XX/XXXX. They insisted that we provide proof of insurance coverage during that time, or pay an insurance charge of {$1700.00} to them. I spoke with XXXX in the Resolutions Department on XX/XX/XXXX regarding this matter. She claimed that Mid-Island had issued a premium payment in XXXX, but said it was returned to our escrow account on XX/XX/XXXX. No one from Mid-Island had followed up on this return of funds at the time, or notified us that there might be any issue with the policy. I told her that I had documentation from XXXX regarding their communication with Mid-Island, which she asked me to send her on the communication portal. When I forwarded that information, however, I was notified that they were unable to open the PDFs, and that again I needed to provide proof of insurance coverage from XXXX or pay the {$1700.00} insurance fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Pinnacle Credit Services, LLC
State: TN
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 filed a complaint against Pinnacle Credit Services complaint # XXXX about 2 weeks ago, and this complaint has yet to be satisfied or resolved. This company is having difficulty providing accurate information on this debt., and have not been able to locate the debt by my NAME. Waiting more than the time which was allowed, is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: First Associates Loan Servicing LLC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I first got into trouble with making student loan after receiving a forbearance or deferment from First Associates of a few months. Things did not get better with me in that time and their lower payment options were just under {$100.00} which I could not afford that either, But I attempted for 3 or 4 months to pay as agreed but just could not keep up without letting something else go. I communicated this to them, however it was to no avail. The help they give is not really help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The original creditor, XXXX XXXX XXXX never sent me a bill explaining my balance. They did keep my {$2400.00} deposit. I was unaware of this balance until i pulled my credit report. I called the corporate office several times and was told a manager would call me back and never did. I have never received a letter from the apartment complex or Hunter Warfield the collection company. They have however added {$2000.00} in fees. I have mailed letters to Hunter Warfield asking for proof of this outrageous balance and demanding proof of this debt. I have gotten no response from the collection company or the corporate office.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage on a property in Mississippi. Since I have had this mortgage, I have made 2 payments each month, with instructions to the Servicer that an additional {$50.00} is for the Principal, and the 2nd payment of {$400.00} is to be applied totally toward the principal. XXXX bank and XXXX had no problems in doing this, but in XXXX 2013 Ocwen took over the Servicing. Ocwen is applying my additional payments to future months, and I have to call them each and every month to force them to correct this. Each month I do this, I get a letter from the Onbudsman that the issue has been corrected and will no longer happen again. But each and every month it continues to happen. I spoke with XXXX XXXX XXXX, Senior Counsel, Ocwen Financial Corporation, and she assured me that this would be resolved. I have letters from XXXX XXXX from the Office of the Ombudsmand for Ocwen Loan Servicing , LLC that states that it was resolved. I have spoken with Ocwen 's outside Counsel, XXXX XXXX, XXXX, ( XXXX ) XXXX, whom also stated that this would be resolved. My next step is to file civil action in U.S. District court to seek relief or some solution. That is when I found this web site where I can file a complaint to attempt again, for the last 2 years to get this resolved.

Company response to consumer: Closed with explanation