BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a Condo in XX/XX/XXXX for {$380000.00}. I received a {$360000.00} mortgage through Wells Fargo Home Mortgage and have been paying {$170.00} per month in private mortgage insurance, XXXX XXXX XXXX XXXX. In XXXX, I requested Wells Fargo provide me information on how I can get rid of the monthly PMI charges. I received the attached letter dated XX/XX/XXXX from Wells Fargo Home Mortgage, Subject : Private mortgage insurance ( PMI ) cancellation requirements. The letter indicated that " To cancel PMI based on the original value, you must reach the required loan-to-value ( LTV ) ratio using XXXX of the options listed below. '' Under Option XXXX, Wells Fargo indicated that I must prove that the original LTV ratio has reached 80 % by having an appraisal done, at my expense, through their vendor, XXXX. In XX/XX/XXXX, XXXX appraised the value of the condo to be {$450000.00} and calculated the new LTV ( {$350000.00} loan principle divided by {$450000.00} current appraised value ) ratio to be 78 %, but Wells Fargo refuses to remove PMI. After following Wells Fargo 's instructions on canceling PMI based on an appraisal showing an increase in the original value of my property, they insist that they will ONLY remove PMI AFTER I provide RECEIPTS showing that I made {$63000.00} in STRUCTURAL improvements, specifically " adding a deck, garage, in-ground pool, fence, in-ground sprinklers, finishing a basement, or remodeling living space '' to the CONDO. Even though Wells Fargo employees agree that owners of Condos can not make these types of structural improvements, they continue to insist that I must show paid {$63000.00} for structural improvements before they will remove PMI. 
They have been dragging their feet on resolving this matter since XXXX XXXX, even after I followed their instructions and proved that the ORIGINAL LTV of the condo has reached 80 % or better, in my case 78 %. They continue to twist and ignore the fact that that I am canceling PMI based on an increase in the " ORIGINAL '' value of the property as they described in their XX/XX/XXXX and NOT based on the " current value and investor requirements. '' I 've learned that XXXX XXXX XXXX XXXX which is listed as the company receiving the additional, unnecessary {$170.00} in PMI funds I am paying on a monthly basis, is affiliated with Wells Fargo, so of course the company wo n't remove the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX my husband and I purchased a XXXX mortgage for the amount of {$50000.00}. At some point GMAC mortgage notified us that they has purchased our loan. They sent statements and we paid. When I became ill I spoke to them and they reduced our interest rate to XXXX. GMAC mortgage filed bankruptcy in XXXX of XXXX. 

We had our first experience with Ocwen when we received a certified letter threating foreclosure. I called and gave them the account # and they could not find an account for us. I called back a few weeks later and was told again they were going to foreclose on our home. We were never told they had bought our mortgage. 

We were very behind and I was sick. We made payments. The statement also shows our principal balance of XXXX was XXXX. With a XXXX interest rate. That was the last statement I got from them after to class action law suit. When we checked our credit report it showed written off to chapter XXXX bankruptcy which we assumed the lien would be lifted as per the law. 

In XXXX on this year we tried to refinance our home with XXXX XXXX and everything was going great until a lien showed up on our home for {$46000.00}. {$4000.00} less than we took the loan out in XXXX. They also sent this letter stating we needed to contact them after XXXX got in touch with them. They do not understand why it is written off to bankruptcy and there is still a lien and neither do my husband and I. His credit score has dropped from XXXX when we started with XXXX down to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I Have Protection alerts and services with wells fargo, they let another person use my account, and committed fraud, which is a business account, the person who done this crime is an employee.. they let this person forge checks and credit cards about 10 different times, didnt even call me or anything, why did they let someone get into my account with out permission, or a phone call, or an email alert

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery is reporting a debt for XXXX XXXX that was dismissed by the original creditor. XXXX XXXX Dismissed the debt and removed the debt from all reporting in 2016. Portfolio Recovery has been notified that the debt is no longer valid and XXXX XXXX has since dropped the debt. I no longer owe this debt and Portfolio Recovery refuses to remove the debt from all reporting. In addition the company is reporting invalid dates for the debt. I did not open a credit card with XXXX XXXX in 2016. Portfolio Recovery is reporting a debt that is no longer owed and is re-aging a debt that is more than five years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My home was totally destroyed XXXX and as a result have been displaced for the last 3 years. NY State will be purchasing the property from us so that our family can get back on or feet again. We are prevented to enter a closing due to the fact that Ocwen is refusing to produce a satisfaction of mortgage with XXXX who was bank before Ocwen took over. This has been going on for about a year now and each month that goes by I have to pay property taxes of about {$2000.00} a month. About a week and a half ago I spoke to XXXX XXXX at XXXX she promised me she would call back in a half hour. I have not heard from her since and she is not returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: HW Holding, Inc
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF MAILINGHunter WarfieldXXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX : XXXX XXXXAccount Number : XXXXDear Sir/Madam : I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act. 

I dispute this debt because 1 ) I do not owe the debt and 2 ) I never received the item or service for which I am being charged. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. 

Sincerely, _____________________XXXX XXXX : Federal Trade Commission - Consumer Response CenterXXXX XXXX XXXX Department of Consumer Affairs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: U.S. BANCORP
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I purchased XXXX gift cards each for {$490.00} + {$5.00} activation fee for each card. When I tried to register and use the cards, I was informed they cards had been " compromised '' as the cards were attempted to be used several weeks before I even purchased them. So they were not activated as a security measure by the company. They informed me they would send me out XXXX new cards to replace these cards. The XXXX new replacement cards were loaded with {$490.00} - {$5.00} fee. So for buying XXXX cards originally, I have now been charged fees on XXXX cards, the XXXX original and the XXXX replacement cards.

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 2015-11-02
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was sent a letter of escrow shortage from the servicer Seterus, Inc. formy mortgage and paid it so that the new payment would not increase toomuch. Seterus has yet to properly apply the {$590.00} payment and for thelast XXXX months the statements that have been issued still shows anincorrect payment due amount. I 've tried calling Seterus, Inc. severaltimes to no avail. I was told that by XXXX the statement shouldshow correct amount due, but when I went online to make payment today, it isstill incorrect. They are also adding a {$5.00} processing fee that is paid when Imake my mortgage payment into a suspense account. I do n't under-stand why the {$5.00} fee should show on my statements at all because theamount is paid to XXXX XXXX for processing - a totally separatecompany of Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: First Associates Loan Servicing LLC
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
PEAKS private loan is the company XXXX tech has signed me up for and they have loans that are nowhere as big as the federal loans, total amount of private and federal is over XXXX, but cost almost double what the federal loans do. When checking the interest I found it was much higher than the other federal loans I have and was never told that Peaks was the company that they went through and was not even aware until I got a notice that my student loans were all consolidated for me even though I do not have a copy of any paperwork stating that I wanted them to do it. I was rushed through signing every student loan document in the school and most of the time they had already filled them out for me without me even seeing stating that I would be expelled if I did not sign it that day right then. I had no time to go through the paperwork due to the pressure from the financial department and the threat leveled against me. PEAKS, from what I have read, is part of the complaint against XXXX XXXX and was sent here from another website stating that this information should be presented.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello! I am trying to get a release of liability on my Shared Appreciation Modification with Ocwen. Need to get my ex husband of XXXX years off the loan. I have paid the loan on time for 4 years just me. I was denied - the reason is WHY is why I am contacting you. I was denied due to a foreclosure. I have paper work from the courts of where Loan company put a foreclosure on my record in XXXX and removing it in XXXX when I signed the SAM. They said I had to wait 7 years before the release of liability. How can I have a foreclosure on the house I am living in. Also now I have researched and saw a lot of bad things about the SAM. I am trying to refinance and now I am seeing lots of issues with the agreement I signed. YIKES. Presently I am asking help on the foreclosure business .... So was there a foreclosure and can they really deny me for that reason? I show it was dismissed without prejudges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from XXXX so please tell me how you verified this information to be accurate?

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 2016-02-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A review of my credit report has identified a public record dated XXXX/XXXX/XXXX, Judgment ( XXXX XXXX XXXX XXXX XXXX, Case XXXX ). This public record is a civil judgment regarding a bad debt to a credit card issuer. While the original trade-line has been deleted and replaced with the judgment, the original Date of First Delinquency was XXXX XXXX. Based on the information in my credit file, it is due to be deleted in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, Transunion., XXXX  and XXXX  are in  violation of my rights and is subjected to a law suit under these laws Furthermore, i have enclosed in my letter that there are unauthorized inquires that i do not recognize, and they are required ti provide proper verification under the FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one. 

Any one who pulls my credit without permissible use can be fined {$1000.00}

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 2015-05-22
Company: Ocwen Financial Corporation
State: AK
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted over and over during the past three years for a debt I do n't owe. XXXX it was XXXX call, then a year later they started calling me ever few weeks, then XXXX or XXXX a week, and now they call me every single day, XXXX times a day. I have spoken to them on multiple occasions and they have been nothing but difficult. XXXX they absolutely refuse to say anything but " I 'm sorry you are not authorized '' as soon as they find out I do n't owe them money. XXXX they keep taking my name and phone number but it apparently does absolutely nothing. I have XXXX and this is not only very XXXX but I also have XXXX and their calls at XXXX are disrupting what little sleep I get.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I believe OCWEN and the loan investor XXXX did not act in good faith when working with me to modify my Mortgage loan during my financial hardship. Ocwen repeatedly denied receiving my loan modification package and sent foreclosure notification letter that did not allow me the appropriate amount of time to respond. In spite of my continued communications with them they began the foreclosure process in the fall of XXXX. 
In the winter of XXXX Ocwen commited XXXX XXXX dollars to work with distressed homeowners. However, in XXXX of XXXX they were still unwilling to provide me a reasonable loan modification. In XXXX XXXX I was offered a loan modification to pay nearly $ XXXX for a home valued at $ XXXX. When I appealed the offer I was informed that my investor XXXX XXXX XXXX XXXX did not participate in Principal Reductions. 
I do not believe the Ocwen or XXXX thoroughly reviewed all of the options available. I believe straddling a homeowner with a mortgage % 100 underwater is very reminiscent of the Predatory lending practices that began U.S financial crisis of XXXX. On XXXX XXXX, XXXX The XXXX ran an article titled " Ocwen and Bondholders Clash over Mortgage Services. '' XXXX XXXX of the law firm XXXX, XXXX and XXXX is quoted " investors, including " certain hedge funds, '' also continue to object to the use of principal reductions, which are often the most effective way to help struggling homeowners avoid foreclosure. '' 1. ) I am requesting that Ocwen provide a list of the loss mitigation options that I was considered for and explain the outcome of each option. 
2. ) I would also like a copy of all of the documents that were reviewed in my loss mitigation option review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my work and cell phone repeatedly and then called my daughters phone # and harassed her about giving them my phone number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
it all started XXXX 2014 we was trying to get a modifcation approved and still trying the pkg was sent filled out sent back they called didnt received it didnt received it paystubs were sent they called no paystubs its was XXXX thing after another in the meantime i have all my faxes that was sent this is how they get u behind on purpose money hungry people they dnt care about u they want your paystubs to see how muchmoney they can get off of u my loan is 84,000 they have tacked on 14,000 since XXXX 2014 8 months waiting on it wow now i owe 90,000 the XXXX house is worth under that what XXXX they need to go down taking peoples hard working money and they dnt care none of them speak english u cant under stand them these sumbags to be accountable.plus they have a fffffffffffff rating a large amount of complaintsssssssssssssssssssssssssssssssssssssssssssssssssssssssss

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was asked for XXXX forms of identifications while trying to withdraw money from my usbank reliacard account. I felt as if was misled in simplifying money transactions accordingly to the website. Why would n't XXXX form of identification be sufficient to withdraw money ( state ID )? 
This happened at a US Bank branch in XXXX XXXX XXXX, MN. Physical address XXXX XXXX XXXX XXXX on XXXX XXXX, 2015 around XXXX. I felt stereotyped because of my strong XXXX accent thus being the reasoned of why the banker did not give me my money.

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