BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have a current complaint on file number XXXX. The original complaint was against a countrywide home loan number XXXX address XXXX XXXX XXXX XXXX, XXXX, ca. XXXX. I was offered a trial payment plan and have attached a copy of the terms, after now completing the trial payment I have been offered a permanent modification that must be signed and accepted by XX/XX/XXXX for the offer to remain. I have attached a copy of the offer. My issue is the new offered principal balance is double the value of the property both the bank BPO appraisal and current comps concur. The bank states I owe a past due interest of {$350000.00} and Taxes and Insurance of {$100000.00} the total being {$450000.00} this amount was based on the original 10.35 % in addition the bank foreclosed on the property after the original repayment to modification agreement they failed to honor. The house was not owned by us for over 6 years we had no negotiating power and this amount also includes inflated forced insurance placed on the property and a reassessed tax that we were not responsible for. The end of the new offered modification states that the modification terms are based on a 40 yr loan and 2 % rate but my original loan will be due on the original maturity date in XXXX, XXXX ( 20 Years ) at which time I will have a final payment due they stated also known as a balloon payment of {$620000.00} not included any estimated additional interest. I feel the bank should dismiss the amount of {$450000.00}. This loan should be restructured based on countrywide non fulfillment of the original repayment to modification. I would have not been responsible for such a high interest and would have had the power to negotiate and access program and other assistance. I will have difficulty with accepting the terms and feel backed against the wall. This is not fair to the consumer, I am now after the death of my husband due to the stress of all this am a single mother. I had to go through hoops faxing, calling, uploading and following up just to be denied and had to appeal the decision because to get this modification, because once again my paperwork was in several different areas. In one day I received XXXX different packages from Bank of America. I would receive a call from a XXXX stating they had all documents and then a packet the next day saying documents are missing. I had XXXX calls in one day from XXXX different reps all claiming they were the point of contact. This process has become De Ja Vue, from what I went through before. I also was made aware after accepted the terms of the Trial that my credit could be adversely affected. How is this so? I was already foreclosed on XX/XX/XXXX after I made repayment to modification payments after filing chapter XXXX I reestablished a decent credit score. Now they get to screw up my credit again. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: CCS Financial Services, Inc.
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Medical Data Systems is seeking to collect, and has posted on my credit report {$140.00} from XXXX XXXX XXXX XXXX for a debt I do not owe. I have made multiple attempts to rectify the information with Medical Data Systems including requesting verification of the debt. They have not provided me with any information. 

I called them 3 weeks ago to report the incorrect posting to my credit report, and they told me they would investigate and respond to me within 2 weeks. No response was ever received. I sent an email to them after the 2 weeks requesting that they update me on the status of my dispute, and provide validation of the debt. No update or validation has been provided to date.

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 2016-08-17
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
this is bill that originated after I went to the hospital ( which I was instructed by the VA to go to the nearest emergency room ). this was not a VA facility but like I said they instructed me to go.the VA has paid all of the other outstanding bills of this hospital dating back to XXXX/XXXX/2015 excluding this one bill. 
The reason the VA had not paid this certain bill is because they said that XXXX XXXX XXXX XXXX had not sent the necessary medical files. I have since been in contact with the VA and this company and now the VA has the correct paperwork and now it is back up for review and it should be paid within 60 days. but in the meantime this bill has been turned over to the collection agency and I have told them the situation and asked for a consideration to reset the time and they have refused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
I set up a settlement agreement with NFCU and they told me upon completion of my settlement arrangement that they would remove it OR report it as a XXXX balance settled for less than the amount owed on my credit report. They removed the trade line from my XXXX report completely but they have simply lessened the amount owed after I paid them and not closed the account and removed it OR reported it as a {$0.00} balance to XXXX or XXXX as promised in my settlement agreement with them. The balance should either be {$0.00} or they should remove it completely to the other credit reporting agencies as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02
Company: AES/PHEAA
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The student loan company is reporting inaccurate information. I 've sent them emails on XXXX different occasions and asked that they correct the reporting. My student loans have been in deferment during the periods they say payments were late. The student loan company provided me with documentation of the my student loans deferment history which shows the loans were deferred the times they reported it to be late. This is becoming redundant. This is an easy fix and I would like them to remove the negative reporting from my bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Ocwen, a debt collector, is refusing to generate a satisfaction letter to me in regard to a house I have. I do not owe them anything and have documents and proof from them that I have a zero balance with them. After a bankruptcy of which I was discharged from in XX/XX/XXXX, Ocwen who took over a company ( XXXX ) who was on my bankruptcy list of which I had been discharged from continued to send me bills of which I paid for 10 years. I came to find recently that they had no business billing me because of the bankruptcy issue. A lien was placed on my rental property by Ocwen of which I did not know about. I tried to sell the house and the title search showed this lien that I was not aware of. I had XXXX prospective entered into a contract but this lien stopped the selling of the property. Ocwen will not generate a satisfaction letter stating the lien is lifted. I have been requesting this letter for 2 months and all I get is a runaround and being told that it takes 2 to 6 months to receive this satisfaction letter. I have lost buyers, I have spent {$2000.00} due to inspections and repairs needed to satisfy the sale of the home before this lien issue came up. The house is still empty and I can not do any type of selling of the property until Ocwen releases this lien. There was closing date which did not happen and the potential buyer wants to sue me for his accrued expenses in preparing for his purchase of the house. I feel Ocwen owes me not only for the failure to generate that satisfaction letter, but for the 10 years of payments that they received from my of which they illegally collected. They knew that XXXX was on my bankruptcy list when they took over XXXX 's business. What makes it ironic is the fact that Ocwen was the main mortgage holder on the property, of which I am current with my payments, and they so happened took over XXXX 's business when XXXX closed business. They unlawfully billed me and collected money from me from that XXXX account for all the years and I have documents and proof of that. They knew that was taken care of through the chapter XXXX bankruptcy in filed I XXXX and was XXXX in XXXX. Ocwen sent me letters stating that the loan was forgiven and I have a zero balance with them. I have copies of the letters and other relevant documents to support my case. Ocwen is a rip off company and their liscence needs to be revoked. They owe me not only the monies they illegally got from me, but also for the opportunities I had to sell my house but could not because they will not release a satisfaction letter to me to release the illegal lien they have on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have been trying to get the address to file a small claims suit against Bank of America in Utah. I get no help from any of the contacts I have made to Bank of America. I also did not receive the information in my last complaint. There were many errors on when my modification was done. My request is simple. I need the name, address etc. to who I can serve a small claims suit to in XXXX XXXX XXXX Utah.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CITI CARDS/CITIBANK CITICARDS CBNA is still reporting an account that was determined to be from identity fraud per CFPB Case XXXX. Please remove from credit report.

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 2021-01-22
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My student loan were disputed and removed however its still showing 7 late payments on my credit report. These 7 late payments are appearing from from a reported sources that was removed from my credit. So I would like these false late payments removed from my credit report. There was no late payments because I was on an income based payment plan and my payments were XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX2017 Ocwen received my monthly payment for XXXX 2017 in the amount of {$2600.00}. ( my payment for XXXX 2017 is in the amount of {$1100.00} ) On Ocwens website on XXXX2017 I noticed that Ocwen never applied the EXTRA {$1500.00} I sent in towards the principal. Ocwen never applied any part of the {$1500.00} to my loan at all. ( I do n't know where that money went? ) The principal balance of my loan for the month of XXXX 2017 was {$140000.00} and on XX/XX/XXXX2017 Ocwens website says that the principal balance on my loan is {$130000.00}. That is only a difference of {$460.00}. The total amount that should of been applied to the principal of my loan should of been {$1500.00} PLUS my regular principal payment of {$460.00} add those XXXX numbers together and you get {$1900.00}. You take the {$1900.00} and subtract it from the principal balance owed in XXXX 2017, {$140000.00} and you get the amount of the principal balance owed going into XXXX 2017 which is {$130000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
DEAR CFPB : OCWEN BANK DO NOT WANT TO REFUND US ILEGAL FLOOD INSURANCE CHARGEOCWEN CHARGE USD XXXX PER MONTH THE CORRECT AMOUNT IS USD XXXX ( OVER CHARGE USD XXXX X XXXX ) TOTAL USD XXXXXXXXLOAN # XXXXXXXXSEE EXTRA INFO ON THIS INSURANCE FRAUD CASE : XXXX, New York ( XXXX XXXX, 2015, XXXX XXXX ET ) -- Ocwen Financial Corp. and XXXX have agreed to pay {$140.00} XXXX to settle a putative class action in Florida federal court with homeowners who say Ocwen artificially inflated the cost of premiums for forced-placed insurance in exchange for kickbacks from XXXX. In the proposed settlement, about XXXX class members will receive the money from Ocwen and XXXX. Ocwen has agreed to change its practices during the next five years, prohibiting commissions for force-placed insurance coverage, foregoing quota-share reinsurance arrangements with insurers and not using Ocwen affiliates to get force-placed insurance coverage. 
WE REQUEST THE REFUND OVER 4 MONTHS AGO AND WE DO NOT HAVE ANY RESPOND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
GMAC Mortgage did the exact same thing as you are fining XXXX for, willful disregard for the law while collecting payments through fraudulent intent and bad faith foreclosure negotiations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an account that is reporting incorrect information XXXX XXXX this is reporting inaccurate information experian refuses to investigate I also have an address listed XXXX XXXX XXXX never lived there they refuse to investigate

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 2021-01-30
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, this complaint is regarding my home loan with Mr. Cooper, loan number XXXX. 

On XX/XX/XXXX I went online to pay my monthly mortgage payment with Mr. Cooper ( my mortgage company ). I noticed an unexplained bill on my account dated XX/XX/XXXX in the amount of {$620.00}. It appears to be two charges on the same date-one is for {$500.00} and the other is for {$120.00}. The only information posted about this bill on my account says " lender paid expenses ''. I called and spoke to the Mr. Cooper when I noticed it and asked what the charges were for. The first time I called I was told it was related to a bankruptcy on my account ( I did file a bankruptcy in XXXX and this has been discharged in early XXXX so this could not have been related to a bankruptcy ). I was unable to get any other information so I called Mr. Cooper again on XX/XX/XXXX. This time I was told it was because my house was vacant. My house has never been vacant at any time since I've owned the property in the last 21 years. Again I was not provided any other information so I called Mr. Cooper a third time on XX/XX/XXXX. This time someone was able to find an actual bill in the amount of {$620.00} ( the bill has been attached ). The bill is dated XX/XX/XXXX, from a company called XXXX XXXX XXXX XXXX. The bill clearly states that I have been charged some type of fees for vacant property registration ( one for {$120.00} and one for {$500.00} ). Again my property has never been vacant at any time in the 21 years I have owned it. 
I tried calling both phone numbers ( phone and fax ) that were listed on this bill, and both numbers are disconnected/no longer in service ( feel free to call yourself to verify ). I also can not find any information on the XXXX XXXX XXXX at the address provided on this bill. I asked if Mr. Cooper could investigate the validity this bill. I did receive a notice in the mail dated XX/XX/XXXX from Mr. Cooper regarding the bill. The letter states without any further explanation that " the lender paid expense balance is valid and was assessed to the loan in accordance with the loan documents and our servicing requirements ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I been Disputing to Experian the following Inaccurate, Obsolete and Outdated Information on this accounts:1.XXXX # XXXX.XXXX # XXXX.XXXX # XXXXFor the pass year. Please investigate Under CFPB Rules and Under F.C.R.A ( 15 U.S.C Secretary 168i ) and Corret the Erroneous marks on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
the information on my credit score is all over 7-10 years old i got hurt at work XX/XX/XXXX and tried to go back to work XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't workmens comp take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian is reporting numerous inaccurate names and an irroneous BK on my credit report. My numerous attempts to have them remove it went ignored and experian told me to contact the furnisher the courthouse- who in turn responded in writing stating they do NOT reporting this information to any of the bureaus. So statement by experian is a LIE! I have then supplied proof from public search showing NON existance and NON accuracy of this account to experian who again ignored my request for deletion and I kept getting this -we will not reinvestigate your issue because we already resolved this- auto generated responces. this is rediculos and should not be tolerated The law states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.

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 2021-02-04
Company: EQUIFAX, INC.
State: SC
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 sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2019, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I pulled a copy of my credit report and the address listed for XXXX XXXX is incorrect. The address that was listed was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. A certified letter was sent to that address and it was returned to me as Undeliverable as addressed. I notified that credit bureau and requested this entry be deleted from my credit report due to inaccurate reporting. I pulled another copy of my credit report on XXXX/XXXX/2016 and the credit bureau just changed the address on my credit report.

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