BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-22
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
IndyMac/ One West / Douche Bank committed fiduciary practices and illegal XXXX signing. 
I was paying {$5000.00} a month for a {$420.00} dollar loan. When I ask them to restructure my loan to reduce the monthly payment and receive a lower interest rate, they told me the only way would be to default on my loan. At the time I owned a transportation company that was doing well until XXXX and the gas prices started to increase and airlines were filing bankruptcy. In order to adapt to the changes, I needed to restructure the business. After questioning IndyMac 's offer to default on my loan to reduce payment. They convinced me by telling me nothing will be affected, and I would only have to default on XXXX payments, in order to receive a loan modification. Well here I am about to lose my home that I worked so hard for. My business was ruined after I missed the XXXX payment. As soon as my creditors found out I had missed my payment, that was the beginning of the end for my business. I lost everything because of my lender, and have been fighting for my life, my whole world changed and my wife and children have suffered andsacrificed to try to stay in the home they grew up in. I even tried to hire a attorney from The XXXX XXXX XXXX XXXX who ended up in receivership after one and a half years. One week before they told me that I had a 90 % chance of recovering damages from a tort litigation law suit in my name that is still filed in NJ court system. I received a email from the Florida district attorneys office informing me that myself and XXXX XXXX of there clients have just lost XXXX XXXX dollars each, plus monthly fees totaling millions to these criminals. They were a legitimate law group before I gave them our last savings, including my Son and Daughter 's college savings and then they screwed us. I even checked them out with Congressman XXXX office and Senator XXXX XXXX office. Indy Mac and company ruined my life, business and my family 's future. This is the short version, I was also audited by the IRS and XXXX after the default and had to file Chapter XXXX lost my business that I worked and sacrificed so hard to build. I have worked form the age of XXXX with my family business and was thought to work hard and be honest. With all of this happening and more my father is XXXX and my mother has XXXX. I cant make this up, I just turned XXXXyear old and have been fighting every day for the past several years. 'PLESE HELP ME SAVE MY FAMILY ' I am tired and frustrated I have worked hard all my life, XXXX trades and always tried to teach my kids about being helpful, respectful, and if you work hard good things will happen. I have XXXX great kids who are doing well academically my daughter is XXXX and my son isXXXX I have nothing left for them but hope. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made prepayments on my mortgage to arrive at 78 % LTV before originally indicated on original amortization schedule. I assumed this meant automatic cancellation of PMI, but apparently not. ( Does " XXXX scheduled '' mean " originally scheduled? '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Thomas Agency has tarnished my credit report by trying to collect money on behalf of Maine XXXX XXXX XXXX. I am XXXX and have had full medical insurance for over 10years through XXXX and XXXX. So there is no possible way for me to have unpaid medical bills in that time period and anything before 2010 it should be removed from my credit after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have checked ALL XXXX of my credit bureaus and this debt they company is trying to collect on is NO LONGER ON MY BUREAUS!!! This is illegal and it can not be collected on anymore. I need the company to cease and desist all lettets and phone calls now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Ditech Financial LLC
State: HI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from Greentree servicing LLC that my Hurricane insurance had not been paid and they were going to place their own expensive insuranceon my bill. I checked with the insurance company XXXX and XXXX and they both said it had been paid and it was current. I called Greentree several times and wrote them letters as to who they could contact to confirm this. They were uncooperative. They just sent me a letter stating that the evidence now shows that the insurance was reinstated. It was never cancelled. This was an attempt by them to extort money from me. XXXX could n't understand why they did n't contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: JPMORGAN CHASE & CO.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
When I got this loan in XXXX it was promised by both the bank and dealer that if I made payments on this vehicle for twelve months they would then lower the interest rate on this vehicle loan. This never happened. It is now XXXX and the rate is still excessively high and does not qualify for refinancing. This bank is very misleading and I can not wait to get rid of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a credit card with Capital One. I was told I needed to submit more information before the account can be opened. I never followed up on this card and decided I did n't want the card. About a year later I get a statement with {$0.00} balance. I was confused because I never followed up with the information they requested on the initial application. I called and requested this account to be closed, I was told they could not close it until I provided the information requested to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Action Collection Service
State: ID
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:
They keep on calling me about a debt, that is past the statue of limitations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
On XX/XX/XXXX, I requested a balance transfer from Capitol One for XXXX be paid to my XXXX Store card, because it was charging me interest and the balance transfer was an interest free offer. It was never received XXXX. When I called Capitol on XX/XX/XXXX I was told they transposed the XXXX numbers on the XXXX account. I was told a stop payment was issued and a new XXXX check would be sent XXXX. And Capitol One refunded a XXXX late fee XXXX charged as a result of Capitol One's mistake. After awhile I saw that XXXX still had not received the new payment. I called Capitol one again on or around XX/XX/XXXX. This time I was told that XXXX had received payment and cashed the check but somehow had not credited my account. I called XXXX and they said Capitol One would have to prove they cashed it. So I called Capitol One again and they said I was told the wrong thing by the former rep and that neither checks were cashed! At this point I was so frustrated, I said just refund me the 2% fee and the $XXXX and I will pay off XXXX myself. I was told this could take XXXX to XXXX statement cycles. That was the XX/XX/XXXX! It's the XX/XX/XXXX and nothing has been credited back to my account. My name is XXXX. I can be reached at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Convergent Resources contacted me and asked me to verify my current address and then asked for the last XXXX digits of my social security number. They then said that I was not the person they were looking for. Should I be concerned about Identity theft? Some of the reviews of this company has me concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent XXXX letters on XX/XX/2016 ad XX/XX/2016 to XXXX and AFNI asking for signed contract or document stating validation that I owe this debit. As of today, I have not received such documents. Please remove entries from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a auto loan with Ally. They call me XXXX times a day once I am XXXX day late. They continue to call even after I have scheduled an automatic payment to come out of my checking acct. I called them and told them it was scheduled and to please stop calling. They then try to get me to make the payment sooner and continue to remind me my payment is due on the XXXX of the month. My payment is scheduled for XXXX/XXXX/2015. I have never been 30 days past due. This is annyoying. I also receive text messages from them. Please make them stop! Once I speak with them and advised of payment being made and SCHEDULE the payment the phone calls should not continue. My phone rings all day when I am work and I have been warned about it. There is no reason for them to keep calling like they do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: NATIONWIDE ACCEPTANCE LLC
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I tried to make a payment on my loan online. My payment was past due as I have been having money problems. The website would not allow me to make it and said I had to call in. The website showed I owed {$870.00}. When I called to pay I was told I owed {$900.00}. When I asked why, I was told it was from prior payment not being made in full, but it 's NEVER shown additional amounts due on the website. If someone has additional amounts due, it has to be shown on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
THIS IS A XXXX ACCOUNT THAT WAS OPENED UNDER MY NAME ILLEGALLY WHEN I WAS A MINOR. IT IS AN ALABAMA ACCOUNT AND I HAVE NEVER RESIDED IN ALABAMA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Leading Edge Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This robo call comes in every day for the last 4 months, I do n't know this company, have no outstanding debt with them and have never received written notice or proof of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
They will not refinance my auto loan, but will refinance anyone who comes in from an outside company. This is discrimination and the company being greedy over money basically saying they will not help their own customers. And they would not lower it during the buying stage of the process either even though I doubled my down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: ERC
State: FL
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:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Navient Solutions, LLC.
State: MO
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:
This was a student loan that was transferred to my Mother because was a cosigner. XXXX XXXX is reporting a derogatory and adverse status on this account. It shows transferred, but also shows that it was discharged in my Chapter XXXX Bankruptcy filing dated-XX/XX/2013. Please see attached filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Late fee

Complaint:
Bank of America charged me a late fee because my credit card payment did not clear by the due date of my monthly bill, despite the fact that I had automatic payment set up with the option checked " Pay to arrive on due date. '' The phone representative who I spoke with said that this option did not account for possible lags in the funds transfer between banks, which could take up to 72 hours. However, there was no warning on the automatic payment screen on their website that indicated this.

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 2017-01-07
Company: Navient Solutions, LLC.
State: TX
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:
I unfortunately consolidated all my students loans with XXXX XXXX XXXX now Navient. On XX/XX/2016, I called the company to confirm that my student loans were amortized. I needed this information for a home mortgage. The customer service representative gave some ambiguous answer and agreed to send a letter for my home mortgage. The documents sent by Navient failed to prove that the loans were amortized. I called the company on XX/XX/XXXX and finally the customer service person indicated it was not a amortized loan. I need to refinance this loan after closing on my house. Because the student loans were amortized, I am having to pay anoth {$6800.00} to {$7200.00} at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The car was given back and it was a recall on the car and i should n't have to pay {$3000.00} for a car i do n't have or be responsible for the car. The company has the car back, i tried to make an agreement to see what was my options with this car and there was none at all .try to get help or can we get a hold on it, the refused.The engine beauty cover detach from the engine and come in contact with the catalytic converter.Also there was an hidden fee from the car dealer i was told my car note was suppose to be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I have paid all of the principal of my Home Depot Credit Card within six months, as required. However, Home Depot is trying to bill me for late fees and interest. When a clerk induced me to get the card, the clerk did n't tell me about the minimum payment per month and the late fees and interest that would be assessed. Not do these hidden fees appear in the credit card agreement. I have already sent a letter to Home depot 's Credit Card Services, which I 've attached, with supporting documentation, detailing what happened. I 'm simply requesting that Home Depot cancel my bill for hidden fees. The practice is unethical and illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a judgment against me on a {$5000.00} balance from an old Citi credit card from my early XXXX and I 've been paying on it for almost 7 years now, around XXXX every year has been taken from my check and I have more than paid this debt back and I feel I 'm getting taken advantage of by their debt collection service, XXXX Law Firm.

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 2016-03-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit card was canceled and all my XXXX points got forfeited. I earned the points through more than 3 years business with CitiBank and I was saving them for my next family vacation.

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 2016-09-11
Company: FMS Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was told by multicare they had sent my debt to collections where I was contacted by XXXX XXXX XXXX to set up payments of XXXX until debt was paid I have paid that off and when I recently checked my credit report I saw a collection for another amount to a different company that I was n't aware of. Multi care sent my debt to XXXX different collection agencies instead of sending the full balance to the same place which resulted in me having multiple collection debts instead of XXXX and that I could of had the debt paid if it had been sent to XXXX place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: CITIBANK, N.A.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Due to medical state and injury fraud was committed in me and my mothers bank acct leaving me broke there is evidence of multiple multidominal unauthorized transaction taken out of my acct without freeze placed or alerts when I tried to address the issue shortly after bankers failed to review my acct info accurately which left me unable to report t in a timely manner and many attempts to report transactions esulted in the bank manager refusing me service and threatening o call police on me an innocent customer clearly taken advatage of because of my current medical state at the time

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 2015-10-20
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There 's a collection on my report for {$4800.00} from midland collection agency which I believe was from a XXXX account. This was from WELL over seven years ago and I believe was settled a long time ago as well. Sadly I do not have records from then as I lost a lot of my older records in a fire. I 'd like this looked into and removed if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified inquiries without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX FXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief