BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have a paid State tax lien and it is suppose to come off XX/XX/2017 and it is stopping me from getting a good interest rate on a home. I have disputed many times with no call back no report it just says lien verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have demanded authentication from Equifax pertaining to the multiple negative postings on my credit bureau. XXXX XXXX, a public utility without authority to even post accounts on consumer credit reports has consistently moved XXXX account into another, thus creating a total of XXXX trade lines, all negative. Equifax has not completed a reinvestigation properly to show that XXXX account ties into the other. This abusive reporting process should be heavily scrutinized by the Federal Trade Commission. Currently, there is no ties of the Fair Credit Reporting Act to public utilities, as all utilities are governed by state public service commissions, not the Fair Credit Reporting Act. Equifax must show an actual connection by written proof of a contract between the parties before a trade line can be set on a credit report. This can not be the case for a public utility like XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX CRED XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XXXX ADDRESS XXXX, XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
After the investigation the same results continued with a negative report from debt buyer, XXXX XXXX, formerly XXXX XXXX XXXX, concerning cut-off procedures that the wrong credit account, XXXX XXXX XXXX XXXX also a debt buyer, formerly XXXX XXXX XXXX, engaged in in XXXX XXXX, 2015, after receiving payment that belonged to XXXX XXXX ( also XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX did n't send the ACH money back to the consumer since I owed nothing on that credit account, but they transferred it belatedly to the debt buyer, XXXX XXXX, which made my account delinquent and accrued late fees and default interest fines. I received credit a few times, but the error continued. My phone calls to a sales force, and my Emails to the XXXX XXXX XXXX, and my written correspondence to XXXX XXXX XXXX went unanswered. When I could not figure out what I owed I stopped paying my credit account held by XXXX XXXX, that has no documents or a signed agreement from me. I am on XXXX, and it is against the federal and state laws for them to try to collect on the account as a debt buyer. Equifax is aiding and assisting the debt buyers, XXXX XXXX and XXXX XXXX XXXX XXXX, hence XXXX XXXX XXXX in the scam and racketeering because of the proximity to their administrative and internal controls that lead to the toxic bullying and emotional distress, and continued collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a letter from Green Tree Servicing that my mortgage is entitled for forgiveness. Since I have been calling them, only to hear that they are still working on the lien release. When I called them today, this guy told me that it was n't forgiven and that it is on my best interest to start making payments on the loan, to be able to keep the house. This loan is discharged in bankruptcy and this guy was really pressuring me to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I 'm still in school getting ready to do XXXX ca n't find a job anywhere. I 'm getting harassing phone calls I have told them I do n't have an job but they do n't care. I attend the University XXXX XXXX XXXX XXXX XXXX XXXX dad has lost his job 18 years his department has downsize he 's XXXX years old his lost everything house in foreclosure, car been reported, he just got out of the hospital XXXX. He 's was going to help me pay loan back but he ca n't find work because of his age.If anything happens to him I could n't bury him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account in XXXX 2015 with Citizens Bank, in XXXX, PA, with XXXX XXXX NMLS # XXXX. Iam XXXX so I receive a check once a month on the XXXX.At the time, I gathered {$20.00} to open this account.I was so excited cause everything went well.At th time of this new account Citizens was running a promotion.The promotion promised a deposit of {$200.00} to my checking account after three consecutive months of my XXXX deposits. XX/XX/XXXX I stopped at another Citizens off of XXXX XXXX in XXXX, PA..It was only $ XXXX- {$30.00}. This guy informs me that the account was set up wrong and said do not worry he would fix it.I thought nothing of it. 
When I did not receive the {$200.00} after the 90 days, I called and was told 120 days.After 120 days, I called again and was told I was miss informed and it was 190 days. Now, please keep in mind I just lost my home, my daughter was XXXX my family member and was really counting on these funds for the holidays. Then, comes the letter from some big wig, XXXX XXXX at XXXX Eastern Time, that states I am not eligible to receive the funds because their records state I opened to accounts in under six months so I wont be receiving the promised {$200.00}. How much sense does it make that a poor person, who just came from being homeless from losing 25 years of house payments and belongings and living on streets until I could get a slum roof over our heads before winter set in.I NEVER OPENED XXXX ACCOUNTS THEIR EMPLOYEES XXXX THIS UP AND THEY WILL NOT ADMIT IT.I requested proof of my signature for XXXX accounts XX/XX/XXXX..I heard nothing since. Now, they took a {$35.00} overdraft fee and will not return it when they know it is their error.The bank manager in XXXX, PA AGREED AND COMPLETED paperwork to get it back and now they are saing I had a {$5.00} overdraft the day before my XXXX deposit came in on XX/XX/XXXX. I took my rent on XX/XX/XXXX which left me {$.00} in my account. The next Monday ( 2days after ) went in to deposit {$5.00} from money order so I could use the {$15.00} for train to get to doctors office and that 's when they hit me with {$35.00} fee.I went directly to manager, ( 3rd time they assigned {$35.00} fees that should not have existed ). Look I HAVE had a few times that I did use the overdraft option and had no problem paying their initial {$35.00} fee and then their {$6.00} daily fee until you replace the funds borrowed and {$35.00} fee. I want my {$200.00} and my {$35.00} fee from XXXX/XXXX/15 before I find another bank that do not steal from their customers.I am not the only one. Apparently, they do this often.I even witnessed XXXX people fighting for the same thing but they are accepting it cause they are given no other recoarse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX of this year, I received a credit alert that XXXX amounts in the of {$2100.00} and {$42.00} was illegally added to my credit reports in violation of the Fair Debt Collection Practices Act ( FDCPA ) by Enhanced Recovery, LLC. 
I sent a letter requesting validation from the company that this debt was mine, and I had never received correspondence or proof fro there company. 
Letter sent to Enhanced Recovery to cease collecting and delete from my credit reports on the false claim of debt is attached.

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 2016-01-03
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My social security number was stolen to open accounts in my name. The account from Enhanced Recovery resulted from ID Theft.

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 2016-03-31
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have XXXX debts with Enhanced Recovery Corporation. XXXX debt was with XXXX that was ended in the year XXXX but ERC is reporting that it was open in XXXX/XXXX/XXXX. They will not provide me proof that this debt is mine and that the information is correct even though I told them the information they have is wrong. they also have been reporting a debt for {$180.00} that when I called and asked for validation for this debt they could not find the file. This is beyond unprofessional and i 'm requesting a full deletion of these reports on my credit reports.

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 2016-06-09
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have an account with TCF.I had about XXXX items hit ( all under {$25.00} ) and they were deducted from my available yet still in pending.This brought my balance down to {$90.00}. A check hit for {$120.00} causing me to over draft.At this point I knew I would have one fee as I was unaware my daughters daycare was taking that out, but that was ok.The next day I received my daily email from TCF stating they were assessing my XXXX overdrafts as they sat on those other charges for 5 days! Even though they deducted them from my balance they added them back, then added the overdrafts THEN an the charges. These had already been deducted form my balance at this point.So they went back to assign me fees.I have never seen anything like this in my life and it seems very unethical.After that they went on to charge me XXXX more!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-30
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The purchaser of our FHA mortgage, RoundPoint Mortgage Servicing Corporation, refuses to pay our special assessment ( Front Foot Benefit Charge ) from escrow despite collecting the amount each month. XXXX XXXX XXXX XXXX, Chapter XXXX, XXXX XXXX ( D ) ( XXXX ) states clearly that special assessments are required by XXXX to be escrowed. More so, XXXX XXXX XXXX, XXXX XXXX, XXXX A ( XXXX ) ( a ) ( XXXX ) ( A ) is unequivocal when it states : " The Mortgagee must collect a monthly amount from the Borrower that will enable it to pay all escrow obligations in accordance with XXXX CFR XXXX. '' Special assessments are listed as an obligation. 

This item was correctly accomplished during the establishment of our escrow account by the original mortgagee, XXXX Mortgage XXXX XXXX XXXX, as noted in XXXX XXXX, for a monthly payment of {$100.00} ( for the annual assessment of {$1200.00} ) as required by para XXXX. However, the following attachments will provide the information required to show that RoundPoint Mortgage is not meeting its XXXX obligations for this government-backed mortgage. 

Atch XXXX is the current mortgage statement. It clearly shows a payment in accordance with XXXX XXXX. Atch XXXX is the current escrow account. Atch XXXX is our current property tax bill. XXXX XXXX is the home insurance. Atch XXXX is the escrow analysis that RoundPoint accomplished which does NOT show the special assessment that is being collected. Please note that RoundPoint is collecting property tax that is 23.69 % higher than required per 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 2016-03-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Wellsfargo Asc is a tax that I paid XXXX in interested when it was a deeds liun that that 's false find the document and it also says I 'm texting and driving to home I do not been home I agreed to the terms of the main and with the home and the date that I saw that they allowed me to pick so and I was n't home and tax so it 's first try a document scenario is a predatory lending but it 's also frustrating not to mention you use my utilities after I request them to be turned off the day after I moved

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 2016-06-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent in a payment for XXXX 2016 monthly mortgage, ( principle and interest ) check # XXXX for the amount of XXXX and an escrow payment check # XXXX for the amount of XXXX, XXXX of which were cashed by Wells Fargo on XXXX the XXXX XXXX. My monthly mortgage amount is XXXX which matches the amount of the Mortgage Check, however WF did not apply my mortgage according to the monthly statements dated XXXX XXXX, XXXX XXXX, ( please review attachments ) but sent it to an undisclosed application. Also the amounts of what they move to this unapplied funds changed within each statement with no clear total of how much is in the manufactured " unapplied funds accounts '' Wells did apply the escrow check to the escrow account. In addition to these XXXX XXXX payments, I made an additional XXXX ACH payment to Wells also on XXXX XXXX XXXX, this is because they also withheld the previous month 's payment and demanded more money. 
I have yet to receive a year end statement for year ending XXXX as required under law. The closest I got to it was some worksheets that Wells used to correct the previous miss applied funds in XXXX XXXX. In addition, Wells keeps referring to " my contract agreement ''. My Loan is a VA loan and the terms of that loan were determined by the XXXX. I have complied with those terms fully and have never missed a payment. I have satisfied both the monthly mortgage account and my escrow account, since the inception of this VA loan in XXXX. However Wells has pirated my accounts ( both mortgage and escrow ), and have not followed policy and is some cases law, ( i.e. they gave me XXXX escrow analysis in XXXX 3 months apart and they also misapplied funds in XXXX XXXX and then in XXXX issued statements where there were shown to take money from my principle and apply it to interest ) and consistently move my payments around to meet the funds they wish to raise manufacturing what they describe in threatening letters to me as delinquent and pre-foreclosure, none of which is accurate. To reiterate, since XXXX I have never missed a VA mortgage payment, or insurance/tax payment ( escrow ) and have fully complied with the terms if my VA loan agreement, whose customer I am. My association with Wells Fargo is that they bought the loan from the VA, but I never went to WF as a customer, and would not have. This means that we are associated because they brought the loan, hence we are associates, and I am not their customer and do n't purchase Wells Fargo 's products, just for the record, other than this VA loan we have no other relationship.

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 2015-07-30
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Lender not willing to postpone schedule sheriff sale to allow us to proceed with a short sale. We are currently living in the property and have faxes the items numerous time to the lender

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In late XXXX, I applied for a membership in Navy Federal Credit Union because I am an XXXX of the XXXX XXXX. I planned to obtain a promissory note to purchase a used vehicle. A few weeks after they approved me for membership over the phone and sent me a promissory note and security agreement, I was unable to log into their website to view my account. After speaking to several representatives, I learned that I needed to " verify my eligibility '' by submitting documents proving that I am in the military. When I asked them why I did not receive an email or phone call informing me of this issue, I received no explanation, but I was re-granted membership in the credit union. Then, after driving the car for an entire month, I learned from NFCU that because I purchased a salvage title vehicle ( it is a theft recovery with no history of collision ), a fact which I did not hide from them and which was freely available to them on the state 's XXXX XXXX search website, my loan would be converted to a " signature loan, '' and the interest rate would go from 5 % to as high as 18 %! I asked why they missed the " salvage '' brand in the title search, but they told me it was my responsibility to inform NFCU and that I was lucky enough to be paying the lower interest rate until the loan is converted to a signature loan. A representative pointed me to a sentence buried in the middle of a paragraph on the XXXX page of the security agreement that I signed to justify this interest rate hike. It reads : " The owner ( s ) will maintain property insurance on the collateral covered by this Security Agreement against loss and damage with a collision deductible of no more than {$500.00}. '' He told me that this sentence justified NFCU retroactively hiking my interest rate because buying a car with a salvage title constituted breach of an agreement to maintain insurance on the collateral. I have insured this vehicle through XXXX, and their representative informed me that I had collision insurance up to the vehicle 's value. I did not realize that a salvage title would severely reduce the vehicle 's value, but I also did not nor do I think that this sentence in the security agreement or any of the statements made to me before I purchased my vehicle justify the interest rate hike that NFCU is trying to impose on me. In my opinion, the fault does not lie with an unsophisticated consumer, but with an enormous banking institution that failed to do its job by giving easy credit without doing its due diligence.

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 2015-04-28
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I 'm in the middle of a refinance and for some strange reason Ocwen is holding up providing a payoff letter. I 've had to reschedule my closing date of XXXX XXXX, 2015 because of this and I would like for any assistance you could provide in this matter. Calling these people ( Ocwen ) is like talking to a brick wall. Please have them forward the payoff letter to XXXX XXXX as soon as possible so this matter can be resolved.

Company response to consumer: Closed