BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is the third complaint on the same company that I have made to you. Ocwen Loan Servicing is as crooked as they come. First, after forced insurance on what is now a condemned property, my interest fee magically jumped from the XXXX range in XX/XX/XXXX to over XXXX in XX/XX/XXXX, statements a mess with " hidden '' charges the total figure does not match my interest rate, and modification requests constantly denied. In XX/XX/XXXX my property suffered a catastrophic insurance claim, and it has been an uphill fight to get those funds from Ocwen to repair the property the claim was over XXXX and they are still sitting on XXXX and will not release it now 2 years later after repeatedly providing them what they needed .... Now the City is going to tear down the property because I do not have funds to adequately repair it. So not living in this place for over two years because of the funds tied up, and a contractor mis-appropriating XXXX of it. I now stopped paying the mortgage because Ocwen keeps playing stupid on the financial status of everything, and the remaining insurance funding they are sitting on. Six different instance I was told there is n't any money in escrow for the repairs. Over nine times I was told they have no records of repair inspections completed on the property and therefore are sitting on money but they would n't say how much. Twelve times I was told they would have answers on my account which is what they called red flagged within 7-14 days ... .three months later nothing. There are hundreds of complaints online similar to mine about Ocwen and these corrupt practices, preying on distressed homeowners. I single-handedly was raising my daughter here, fought tooth an nail for the place with Litton Loan Servicing previously preying on us, only to be transferred to the vultures at Ocwen Loan Servicing. They are hiding funding, and playing stupid about everything going on with my account. I can not get an accurate statement in writing on anything. They are making out like bandits on this.

Company response to consumer: Closed
Consumer complaint received 2021-03-04
Company: R & B Corporation of Virginia
State: VA
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: Was not notified of investigation status or results

Complaint:
The original balance of the Collections account was {$65.00}, so on XXXX I called and spoke with and representative ( XXXX ) from there XXXX, VA Headquarters to dispute inaccurate information being reported on my credit report and she simply explained that they do not and never owed the debt that they reported on my credit report. I still have not received a response yet, I was hassled a little by phone calls so I settled the account on XX/XX/2020 but I also asked for verification ( the original application bearing my signature ) on all accounts, as they claimed I owed 2 other accounts for {$47.00} & {$98.00} that they have not reported to the bureau 's as of yet! I really feel as if I'm being taken advantage of, Section 611 ( a ), it is plainly stated that a failure to investigate this item within 30 days gives a reason to immediately remove this item from my credit report. There has been no follow up or contact in over 30 days, I demand this account be deleted promptly because it is not my debt and I do not validate this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
We were trying to refinance our mortgage. So after talking with multiple lenders we decided to go with Citi Mortgage based on the GFE they provided which has {$5000.00} as lenders credit at 3.000 % interest rate. However, 20 days later when interest rates went up, I got another letter email saying that they recently received new information and sent me a new GFE which has lenders credit reduced to {$1000.00}. 

Now I ca n't even go for new mortgage shopping as the rates have gone up. If they would have mentioned the same before I committed to go with them, then at least I would have had an options of going with next best option.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05
Company: Experian Information Solutions Inc.
State: TX
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:
There are two late payments listed on a XXXXXX/XX/XXXX account for XX/XX/XXXX and XX/XX/XXXX, but there were never any late payments made to the account. There is no information listed from XX/XX/XXXX, when the account was opened, through XX/XX/XXXX aside form those two " late '' payments. I've submitted these to have the negative information removed, but have not had any success even though it's obvious it's incorrect with all the missing information and dates which do not line up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are two late payments listed on a XXXX XX/XX/XXXX account for XX/XX/XXXX and XX/XX/XXXX, but there were never any late payments made to the account. There is no information listed from XX/XX/XXXX, when the account was opened, through XX/XX/XXXX aside form those two " late '' payments. I've submitted these to have the negative information removed, but have not had any success even though it's obvious it's incorrect with all the missing information and dates which do not line up.

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 2015-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I was graciously given a Hamp modification while XXXX XXXX XXXX was serving my loan. My Hamp modification came with XXXX different abilities to earn reduction off my principal balance. The XXXX monthly incentive reduction equaling XXXX a year for 5 years and earned principal forgiveness of a deferred portion of my loan equaling XXXX amounts each year over 3 years in the end reducing the deferred portion at the end of the 3rd year. The first year while still with XXXX the 1st year earned principal forgiveness was completed as I received my year end statement and my monthly statement reflected as such. In XX/XX/XXXX my loan was transferred to Bank Of America and all seemed fine. When the 2nd year came BOA did not apply my 2nd year reduction. I started reaching out, no help. My 3rd year came no reduction, still no help. I I finally got someone due to going to their XXXX page and complaining and they opened a case in their escalation dept. Well still no help, so back to XXXX I go. Tonight I get a call from social media who states now I will get another escalation specialist. This man was kind but did n't even understand the terms of my Hamp Mod. I need someone to intervene here, I have never missed a payment or ever late under my modification which BOA sees and is aware, they just do n't know what they are doing. I need confirmation and in writing that all XXXX earned principal forgiveness portions have been completed and that my monthly incentive for the yearly XXXX had been reduced, and if it was not done, then BOA owes me a credit of the 2 % on the accrued interest portion over the past three years for the XXXX a year. Please make them answer and complete what my agreement states! Also make sure the balance on my credit report is reflecting currectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX, sent a letter regarding inaccurate and unknown Items on my credit report on XX/XX/2020. It is 60 days later and I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have finished paying my car loan with Gateway One Lending and Finance ( a XXXXXX/XX/XXXXcompany ) back in 2017. 

Gateway One Lending and Finance went out of business, and Santandar Bank bought them. Santander claims they do not have the lien of my car. 

I spoke to DMV - they state that they never received a notification from neither bank confirming my car loan was paid - DMV needs a lien release from Santander. This is done electronically. 

I am attaching two documents to prove I paid my car off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX XXXX XXXX acct, td bank should be deleted as they were paid in full over XXXX years ago and XXXX years ago charged off acct was a fraud acct and XXXX acct/XXXX was never late as they were ordered to change due date to the XXXX they took XXXX months to do that as the payments were made before the XXXX and XXXX acct was paid and closed over XXXX years ago never late delete this acct

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent this company certified letters, documentation requests, and have not received the proper validation paperwork. This company is stating I owe charges for an apartment that is keeping me from obtaining proper housing. I have noticed that this company is also reporting inaccurate amounts to credit bureaus. Company is adding interest to the debt they claim I owe and reported different balances to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have an account with Capital One 360 and have for a few years. Maybe. Their customer service stated on XX/XX/XXXX that my account was in the negative in XX/XX/XXXX and they closed it. Strangely enough, they still sent me a new Debit Card and accepted my transfer of money to get my account balance to XXXX. Last week I deposited all my funds from another bank and initiated this transaction through Capital One and they accepted the deposit. Suddenly they are stating the account was closed in XX/XX/XXXX. I am befuddled as to why they were still accepting deposits on a closed account and most importantly, they still have not returned the money, which they said they would. I am currently XXXX and the XXXX and change is all the money I have in the world. Why are they so quick to accept money, but not so quick to give it back. I 'm staying in a XXXX right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Experian Information Solutions Inc.
State: TX
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:
An account for XXXX XXXX with a balance of {XXXX} is listed on my credit report as a charge off, but as you can see from the attached documents I was never late, and paid and closed it on XX/XX/2019. I've submitted proof of this to both XXXX XXXX and the three bureaus, but it has not been updated on my credit reports.

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 2016-10-04
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, 2016, my mortgage was purchased by Ditech, LLC from XXXX XXXX XXXX. At the time Ditech purchased my loan, I was in the process of a loan modification with XXXX where I was in the midst of my three trial payments prior to the modification being finalized. Since Ditech has resumed responsibility for this loan, I have incurred numerous additional fees to my account due to their delay in processing my modification documents. Every time I contact customer service, I get a different answer from a different representative. It is beyond frustrated. I completed the modification tiral payments in XXXX, 2016, and continue to fight with Ditech for an accurate, final monthly payment. While Ditech has taken it 's time to finalize my load modification, my credit continues to suffer as Ditech is reporting my load delinquent. I have made attempts to make payments, and each time I call, I am told a different amount is due as a result of numerous errors, and delays on Ditech 's behalf. I have spent hours, upon hours on hold, only to be told to wait another 3-5 days for an issue to be resolved, only to contacthem them back and be faced with another obstacle. This company has deplorable customer service and lacks accountablity. I have done and provided everything this company has asked of me since they resumed my mortgage, however, I as the consumer have continued to suffer deleterious monetary and credit rating decreases due to this company 's negligence. It is XX/XX/2016, seven months since Ditech has been my mortgage lender and their continues to be issues after with my monthly payment amount. I have never experienced such subpar service from a financial institution.This company needs to be thoroughly investigated by the CFPB as they are grossly negligent in the way they process loans and modifications,, payment calculations, they do nothing timely, and I am sure they are out of federally regulated time frames, and other mortgage service obligations. Their customer service is extremely inept and promotes XXXX and frustration amongst borrowers that are trying to do the right thing to keep their homes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: KEYCORP
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:
Key Bank is holding me liable for a fraudulent account in which they have the XXXX fraudulent account documented three times on my credit reports. XXXX XXXX is extremely unprofessional and nasty, please forward to another party in the corporate office. It is unpleasant to be victimized continuously by her. I contacted legal representation and after they viewed documents and the signatures, they informed to file one last complaint with CFPB and attach the signatures. I attached the signature that Key Bank provided you on their application and I attached my signature from one of my home mortgages. You can clearly see that signatures are clearly different. Again before proceeding legally, I am asking Key Bank to remove the fraudulent account in which they are holding me falsely liable. Also, I have attached where Key Bank is fraudulently reporting the same XXXX account three times on my credit reports, which is fraudulent credit reporting. I have addressed this with them, XXXX XXXX and others nothing has been done as you can see, I attached a copy of my XXXX credit report in which I have continuously submitted to Key Bank and they have yet to remove from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The account with GATEWAY ONE LENDING AND XXXX  Address : XXXX XXXX XXXX XXXX CA XXXX Date Listed : XX/XX/XXXX Has been resolved XXXX and I still haven't received the title for the XXXX XXXX XXXX ( XXXX XXXX ). 
XXXX XXXX XXXX disputed the matter. 
I am debt free on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
JP Morgan Chase reduced my credit card maximum amounts across all my lines of credit on XX/XX/2021. 

Each account was reduced to only {$300.00} above my balance due. My credit report has now been impacted, with my score dropping 10 points. I now have a 70 % utilization rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: BMW Financial Services NA, LLC
State: NY
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Experian Information Solutions Inc.
State: TX
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:
There is a XXXX XXXX card listed as a charge off on my credit reports, and after disputing it they have still not removed it. The charge off amount is listed as {$2100.00} in XX/XX/2019, but with pays as agreed status through 2019 and no payments listed, ever. This is incorrect, is was not late and is not a charge off, and the negative information should be removed.

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 2016-01-14
Company: KEYCORP
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. The Trustee noted a property mortgaged by KEY BANK NATIONAL ASSOCIATION as " REJECT & RETURN '' and by Order of the Court ; the property was returned to KEY BANK and subsequently sold. 
XXXX reflects KEY BANK as a " Derogatory '' and as " Negative Account, Closed Account '' however it continues to report the status as " Included in Bankruptcy ''. Much of the " Details '' information is incorrect. It reports the Type of Loan as " Unsecured '' ; it was a real property mortgage secured by a Deed of Trust, the Date of First Delinquency as XXXX ( while I was in bankruptcy ), and I filed a Ch. XXXX bankruptcy not a Ch. XXXX. 
XXXX reflects KEY BANK as " Derogatory '' and as " Potentially Negative Closed ''. It reports " Payment Status Included in Bankruptcy '' and inaccurately reports under " Comments Bankruptcy Chapter XXXX ''. 
XXXX reflects KEY BANK as " Derogatory '' and as a " Negative Closed Account ''. It incorrectly reports the loan type as " Unsecured loan and Opened XXXX/XXXX/XXXX '' and shows negative payment histories for the months XXXX, XXXX and XXXX XXXX. 
I have disputed the incorrect information with XXXX, XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to XXXX KEY BANK addresses, the address listed with the Bankruptcy Court and the address listed by XXXX, XXXX and XXXX, respectively. I am seeking your assistance to resolve these inaccuracies and correct my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I was attacked by a XXXX  in the parking lot during my stay at XXXX XXXX. I stayed there from XXXX. This happened XXXX I stayed the duration of my stay but was billed two separate transactions. I filed a claim with my bank, chase to get my money back and both claims were processed and suddenly now I got a reversal on the first one! But not the second one!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 2 accounts on my credit report that are in good standing but they keep showing I have ( 6 ) missed payments total. On one account it shows on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I have missed payments. On the other account is says I missed XX/XX/XXXX, XX/XX/XXXX. Im trying to improve my credit purchase a house and Im trying to get this straightened out because I have missed a payment since.

Company response to consumer: Closed with explanation