BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-19
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a modification on my home since XXXX XXXX, I have been working with a XXXX Approved housing counseling agency XXXX XXXX XXXX and we have done everything that my lender has asked and still have not received an answer. This situation started due to the fact my lender charged me escorw on my home for my taxes and I am my husband are exempt due to our age we are senior citizen and my husband is XXXX. I now have a sell date on my home scheduled for XXXX XXXX, XXXX and I am desperately in need of the CFPB help to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BofA in XXXX XXXX XXXX XXXX branch allowed some one to do a teller transaction for XXXX dollars on XX/XX/XXXX or XX/XX/XXXX and won't give me money back or let me see the footage not even the signatures My name is XXXX XXXX ss # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple inquires on my credit report from companies that were not authorized by me i do not recognize these inquires and are affecting my credit negatively XXXX XXXX XXXX XXXX  requested credit report Creditor info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all unrecognized inquires and they are affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: FIRST GUARANTY MORTGAGE CORP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I have been working with my mortgage company First Guarantee Mortgage ( FGMC ) since I applied for the loan XX/XX/XXXX. I was approved for a XXXX close FHA construction loan XX/XX/XXXX and still have yet to receive the final draw on the loan. I have been reaching out very regularly to the company and struggling each and every time. XXXX XXXX the draw administrator refuses to answer my phone calls and I lave her voicemails and she just emails me back when I just need to talk to someone. For over two weeks now I have been working with them to initiate the final draw. They will not provide me information on how to secure an exterior door that we will not be using in order to make it acceptable for the FHA loan. No one will put in writing for me that I will not lose my interest rate that I have been verbally told will not be lost due to this delay. I have had to initiate all contact with the company and no one follows up with me unless I call and get upset.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please refer to complaint XXXX SUBMITTED ON XX/XX/2022 Started the process of a loan modification recast on XXXX XXXX XXXX XXXXXXXX XXXX in XXXX with a one time payment of {$200000.00} that was posted XX/XX/2022. We were told the process of the recast would take a few months. As the process started, BSI Financial customer service including XXXX XXXX ( via secure messaging ) reached out that we needed the escrow balance to paid in full to cover for insurance and property taxes. The escrow payments were paid immediately, same day as we received notice ... and then we waited. The wait on response carried on from between XXXX then we received email notification that the documents would be sent out via XXXX  for signature to complete the recast process. We were also provided the new mortgage payment amount of {$1800.00}. We waited for documents but no documents were received. We would respond to XXXX XXXX and customer care at least once a week for a status update. As time went on, we remained patient. No response, no documents, and the email communication with XXXX XXXX was silence. As I write this on XX/XX/2022 no response, no emails, no calls from anyone from BSI financial. We do make best effort to call a few times a week, hoping to talk with XXXX XXXX, his supervisor XXXX XXXX, or their manager XXXX XXXX. XXXX XXXX was the assigned agent when we started the process in XXXX, XXXX. To this day, we have been making monthly payment in the amount of {$1800.00} but are anxious-worried about the recast not being finalized and perhaps we can help others in the same situation. Sincerely, XXXX XXXX XXXX XXXX Mobile XXXX Property Address XXXX XXXX XXXX XXXX. XXXX, XXXX  XXXX An attachment was posted on the previous complaint but we are unable to open the file. The mortgage company has not reached out or resolved the loan modification since starting the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I contacted XXXX XXXX. about opening and account. I told them that I would be moving in a few months and that if it was a problem to move, I would wait to get service until I have moved to my new place. The representative told me that it would be no problem, as you get XXXX free move a year and I could get it moved to the new address. So I signed up. When I got ready to move, I called XXXX to have my service moved and was told that it would be over {$400.00}. I explained to them that the rep said I could get XXXX free move a year. Now they tell me its only after you have had service for XXXX year that you get a free move. I asked to speak to a supervisor, started all over and was told the same thing. I was told that the sales rep did n't have anything to do with moving that was a different dept. I told them that since all of my calls were recorded, they could look it up. I paid my bill for the months that I used the service and did not move it because they lied to me when I signed up and I would not pay for to have the service moved when they assured me in my sign up that it was free. They broke the contract by not doing their part of the agreement. They should not be able to harm me or my credit by adding a report that does not reflect what really happened. It is not an unpaid bill. They did not supply the service that I signed up for and I am not responsible for it. They can not lie to get a consumer to purchase a service and not stand behind what they say, then expect to be paid for it anyway. Companies take advantage of people and then we either have to pay a bill that we do not owe or have our credit harmed. It 's not right that they can come back in over a year later and put a harmful account on my credit. I was very happy with my service and probably would still have it if they had moved my service as they said. They need to have everyone in their company on XXXX page. They ca n't just say XXXX thing and do another. Even if that was their policy, ALL employees should be trained and know that policy, every department, every erson. It 's not right to say they are not responsible because someone in their company told me wrong. It is their responsibility. They can go back and listen to the recording. Simple answer. Stand behind what their own representative told me to get me to go ahead and sign up for service now. I could have easily waited until I moved. Thats why I questioned it and told them I was moving from the very beginning. XXXX XXXX. lied to me to get me to sign up and did not follow thru with the service they gave me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Veteran 's United has lied to me directly as a seller, and lied to their customer as the buyer about closing on a property. These lies were open and recorded. Basically, Veteran 's United XXXX XXXX XXXX XXXX XXXX did not want to do his job properly, and instead of being honest about it, he lied to me, the buyer, and everyone 's agent. The issue with the dishonesty is the magnitude of the sale -- this was a mortgage. Dishonesty in these processes creates damaging affects on communication, and since Veteran 's United works with veterans ( I am a XXXX XXXX totally and XXXX  XXXX XXXX  ) and their families, such dishonesty can cause serious and deleterious affects for those involved. And this is not a " lack of communication, '' this is a direct complaint that the company is openly lying to customers and then trying to strong-arm those that try an reconcile such complaints with repugnant customer service conversations about " ethics, '' which have no real value or legal precedent. I am XXXX. The buyer is a widowed mother of XXXX. All I wanted to know is why we could not close before the holidays. I had spoken with the title company and everything was sent to XXXX by Monday, XX/XX/XXXX XXXX  I spoke with XXXX about this, and he lied to me, saying it had something to do with double-checking the closing costs. That was nonsense. Today, XX/XX/XXXX, XXXX came across with the line that closing could not happen until he received the explanation of a gift -- this was emailed to him on Monday, which can be confirmed by the title company, XXXX XXXX XXXX. XXXX used this lie to try and present himself as someone who simply " can not '' perform his function, which, again, was not true. He disparaged the name of the XXXX XXXX XXXX, and he lied openly to me and his client ( I have texts confirming this ). The company 's response to my involvement as the seller was to call me and try and convince me ( a XXXX ) that seeking resolution to the lack of integrity their organization shows its customers and business partners, was that it was unethical for me to be a part of the conversation. Veteran 's United is lying to their customers, and then trying to make anyone who holds them accountable for their obligations as a lender ( i.e., integrity and ethical actions ) feel as if they have done something wrong. If this company will lie and then try to defend such blatant unethical behavior and then try and preach " ethics '' to other ( not ethics in any way, just what they would prefer ), then there may be no end to the lawlessness and harm they could cause their customers, who are primarily veterans, like me. The conversations with the closing team, their resolution team, and the entire process of trying to make sure they are doing their jobs, which they are not, had caused serious mental and emotional strains on me, and can not be continued to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent experience a copy of the court papers where me and my sons mother went to family court and she told the judge that she never filed for child support and the judge could not get any information from child support inforcement and the judge closed the case with no arrears and experience still has it on my credit report and still missing most of the information that 's supposed to be listed and what is listed is not true

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 2016-08-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello, Just an fyi, you may find more than one complaint from me as I have an open bankruptcy case. I tried disputing the fact that Experian is reporting XXXX as an open account on my credit. This is part of Chapter XXXX bankruptcy XXXX filed XXXX XXXX, 2016. I contacted XXXX today and they told me that they contacted all XXXX bureau 's on their end and have done everything they can. So it is an Experian issue. I tried disputing an Experian popped up and said I cant and said they cant give me a reason why. The only # is automated and not for disputes. 
I should not have to purchase a report, which I cant afford just to dispute. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX had a judgment entered against her on XX/XX/XXXX for {$1900.00} in favor of MRC Receivables Corp. We have been trying for weeks to get a hold of someone at this company to secure a pay off letter to pay off this judgment so she can sell her property located in XXXX XXXX Virginia XXXX 
I am XXXX XXXX XXXXXXXX handling the sale of her property. 
There does not seem to be any contact information for MRC Receivables Corp on line. I believe they are a XXXX  corporation. I also think their parent company is Encore Capital Group. I can not get a hold of anyone there and other subsidiaries of that entity have no record of this debt. We need a pay off letter, good thru XX/XX/XXXX so she can sell her house on XX/XX/XXXX XXXX per her real estate sales contract. 
Can you assist? 
XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX or Cell XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I made a payment for {$8900.00}. My student loans were transferred to Fedloans on XXXX, XXXX, I emailed XXXX regarding refund for COVID-19 payment made and was provided with reference # XXXX. On XX/XX/XXXX, I requested a full refund for payment made during COVID payment pause to Fedloans. On XX/XX/XXXX, I spoke with a Fedloans PSLF specialist and provided them with the reference # XXXX case number ; I was informed the refund request was processed and to expect a full refund first week of XX/XX/XXXX,. 

On XX/XX/XXXX I also received a letter that my loans were forgiven through the PSLF program. 

XX/XX/XXXX, I contacted FEDLOANS again, and was informed the refund request showed it was processed on XX/XX/XXXX but was later cancelled. No reference number or date of when this request was cancelled. When asked who cancelled the request, I was told, " The system does not provide this information, but you should have received a letter to your Fedloans message emails. '' I explained I had not received any communication of the refund being cancelled and asked they look it up on their end. The customer support representative checked the account and was surprised to see no letter/communication of the refund being cancelled was sent. 

My loans were forgiven and refund was not processed and the customer service representative stated I needed to call my loan services. I explained to them there is no loan to be serviced and asked which servicer I needed to contact. Needless to say, I was not provided with clear, concise information and I am still owed a refund for the amount of {$8900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Please review the following documents. This is payment history for the life of my ( XXXX ) private loan. I have ( XXXX ) total with Navient all with similar indiscretions. This is just an example of XXXX. I can send you all documents of all my loans if you need further review. With all the lines where I was charge capital interest, this pertains to times of financial hardship where I was advised my only option was to opt for the forebearance. I was never given any other options until recently, they offered that I could apply for income based rates. I also had delayed payment processing multiple times in which resulted in overdraft fees with my bank and late payment penalties. Ontop of all of this, everytime I call customer service I get a different explanation on issues that would arise. Yesturday I was informed by customer service that they only had access to records back dated to 2015. Anything before that they couldnt help me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: ONLINE Information Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Online Information Services, a company based out of XXXX, NC, XXXX. This is about a debt from XXXX XXXX dating back to XXXX, after which services were switched at the home to another person residing in the home. I contacted the debt collection agency to explain that XXXX  XXXX states after 6-7 years of being on my credit that this debt was to be taken off. They replied that the account was closed in XXXX by XXXX XXXX Then they proceeded to tell me someone was paying XXXX XXXX  after XXXX on the same account that belonged to me and thats why it was still open. I told them i need paperwork showing the payments and how the payments were paid because i have no knowledge of how it was paid. I needed to know who was paying on the account after XXXX & why because it wasn't me. And if there was a person paying on the debt why is it still $ XXXX? The exact same amount that was left in XXXX when services were switched. In their own words they stated i am responsible for the balance of $ XXXX. Yet somehow some person somewhere was paying on the account until XXXX. This literally makes no sense this account only switched to being closed in XXXX when i disputed it online. Seems like they are purposely dating information wrong to keep old debts current to obtain money. When she stated she could not give me anything to help figure this situation out. i responded with I need this info to pass onto a lawyer and the person told me to give them the lawyers info and when i declined she hung up on me. They have information that could lead me to whomever kept this account open until XXXX and refuse to give me any help. XXXX XXXX told me that after 90 days of non payment they send it into collections. So based of what i was told the account with consumers should have been closed when it was sent to them over 7 years ago. Looks and sounds like a scam on multiple levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a 30 and 60 day late notice on my credit that was reported by XXXX Bank. I disputed with experian XXXX but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their XXXX Account XXXX I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX Bank to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX Bank took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... two years since I requested it to be closed. XXXX Bank is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX Bank has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that XXXX Bank could have provided a coutesy removal of late notices but did not contact them in time ... XXXX Bank is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX Bank but XXXX XXXX was unwilling to protect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.

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