BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-13
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is ONGOING-especially during summer months with Green Tree LLC. They can NOT post a payment in a timely fashion. For some reason it takes LONGER usually starting in XXXX to receive and post a payment correctly. Then the arrears process begins against my account which is an ERROR on their part, but they show my account for my mortgage delinquent and then I start the complaint process against them. This has been ONGOING since XXXX XXXX XXXX XXXX XXXX dumped me in their care. The payments are made, they just do NOT process them, they clear my bank. I write checks and mail them for a paper trail, because you NEED a paper trail to prove everything with this unfortunate excuse for a servicer. They are inept, they do NOT practice general accounting principles. They charge BOGUS late fees, and my personal favorite ... the dinging of your credit so you ca n't get AWAY from the vultures. My Congressman is SICK and TIRED of me complaining to him about their inability to service a mortgage loan correctly. But NOTHING gets done, the complaints from the masses continue, the BBB told me they get NO where with them. NO one seems to be able to make them DO what they are supposed to DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I ca n't access my account online or make a payment. I do n't even get a paper statement in the mail. I 'm now getting calls from Ditech about paying my mortgage, BUT I CA N'T BECAUSE THEIR WEBSITE DOES N'T WORK!!! This is crazy. Ditech is damaging my credit. I do n't even know my account number or the amount of my payment without access to their website or where to mail a payment. I never agreed to do business with this company -- my mortgage was sold to them. Ditech 's website often does not work.

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 2016-11-03
Company: VW Credit
State: NE
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Due to a system upgrade, according to the company, my monthly statement has not been accurate since XXXX. I have called every month due to my statement showing a past due amount even though I pay more than the payment amount every month. Every month I am told a new story ; from system issues due to the upgrade, to it has been corrected but your account must have slipped through the crack, to I have opened a ticket to have your account corrected, to this month it is still not accurate due to their system issues have not been resolved. I have had my car for 9 months and my statements have been inaccurate for 5 months. I am only able to access 3 months of statements from my online account. Every time I call, I am told that the amount I am paying monthly is correct and to disregard the past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a bill for collection with XXXX amount, and when I made contact with the collection company the amount had changed to a totally different amount, {$6700.00} to {$8200.00}, I 'm on XXXX and want to pay this bill off and this company is taking advantage of my situation, I also received a letter from the social security stating that starting on XXXX 2016, my XXXX would be garnished at the rate of 15 % until the balance is paid and tax return would be garnished by said company, this company is out of control and I need a resolution, I called my credit card company and they no longer have my file and can not access it, the lady informed that I need to follow up with third party collection company and the lady stated she could not find any payments made to my account, and any payments made prior would not show on their side, so who is responsible, I realized I owe the balance but there is no reason for this company to take advantage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Fein, Such & Crane LLP are debt collectors claiming to represent another debt collector XXXX XXXX XXXX XXXX as an alleged Trustee of a REMIC. The consumer is being terrorized civilly not only by the debt collectors named above, but by the Tribunal, Supreme Court of New York XXXX County. Fein & XXXX are maliciously and abusively prosecuting an illegal debt collection action styled as a Foreclosure in state court. The consumer has issued several Notices and Demands all under the FDCPA, federal consumer laws. Both debt collectors are ignoring each of those communications by the consumer and creditors and continue to violate the FDCPA. My consumer goods obtained for personal, family and household purposes, such as my private home is attempted to be illegal confiscated by these XXXX unknown debt collectors. The CFPB has made clear the rules and regulations, with clear interpretations to consumers regarding its use. Fein and XXXX are engaging in illegal, fraudulent, and abusive debt collection against this consumer. Fein and XXXX was ordered to " obtain verification '' ( sworn and under penalty of perjury ) and proper " validation '' from the alleged original creditor supported by Original Loan Level Documentation. If Fein and XXXX complies strictly with the FDCPA, it will obtain the verification of the Rescission, TILA and the fact that " no debt is owed. This of course is based on the fact that Fein and XXXX are enforcing a legitimate debt which originated from a legitimate transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
ON XX/XX/XXXX " XXXX '' ASSURRED ME THAT THE {$29.00} RETURN FEE DUE TO XXXX XXXX XXXX ERROR WOULD BE REMOVED. 
I HAVE BEEN A CUSTOMER SINCE XXXX, AND HAVE NEVER HAD A PAYMENT RETURNED. IN FACT, PAYMENT OF {$85.00} WAS NOT EVEN DUE. I HAVE MADE A TRANSFER OF XXXX TO A DIFFERENT CARD AND THE {$29.00} FEE STILL REMAINS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My monthly loan payment amount increased last month, without any explanation, previous disclosures or any notice of any kind. My hazard insurance and taxes are escrowed through my loan payment so I understand that my monthly payment can and has fluctuated in the past. However, I have never had a change without at least a few months notice as well as a detailed explanation or accounting as to the reason why my payment was due to change. This did not occur in my situation. I have had many problems with Ocwen since they became my mortgage servicer. I very much would advocate allowing borrowers such as myself to be allowed to request a service transfer to another servicer when dissatisfaction occurs due to the servicer 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went to my online account to initiate a funds transfer to my son 's account as I have done many times before. The screen said there were no accounts available for me to transfer to. After XXXX minutes of useless telephone menu, I gave up and hit XXXX continuously until I got a person. She had me log on again. same problem. She checked. when she finally returned she said the bank is updating its systems and has no idea when they will be available. My only recourse is to go to a branch ( I am currently too ill to drive ) and initiate a transfer from there. I do not have my son 's account number and will have to try to reach him. He needs the money for a trip. It is XXXX on a weekday. The bank should not be incommunicado at this time. I do n't know how I will be able to get this money to my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX. My mortgage company is Ocwen Loan Servicing. My loan number is XXXX. I have over XXXX in surplus in my escrow balance. My property taxes are less than XXXX a year. Last year they paid out XXXX. But I got a letter stating they are raising my escrow on my mortgage to XXXX a month making my mortgage to be XXXX from XXXX a month. I have sent emails and I have also called with no one to assist me. I have ask to speak the escrow department and they informed they do not accept calls. Their call center is located in XXXX so there is language problems on the phone calls of each other not understanding each other. I have also ask to speak to someone in XXXX but they have denied me that right. I just want my loan to be corrected. So can you please help. I will sending also copies of the letter and escrow activity statement they just sent me in the my email last week. I wo n't be able to keep my house paying out XXXX. My house is only worth XXXX now. 
ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Repayment plan Show Deferral or partial claim Show Modification Show Show I have offered all these options to help get back on track for my forbearance due to Covid and they keep telling me they want the full payment. Its always been a struggle to deal with this company. I even had to file bankruptcy which thank God I finish it last month in XX/XX/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 explanation
Consumer complaint received 2016-03-15
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was contacted by someone claiming to be with our lender, Ocwen, who claimed that we had been approved for HAMP. They sent paperwork for us to sign and we faxed it back to them at XXXX. They continued to call and provided us with a name to send {$500.00} via XXXX XXXX to. The first payment went through but XXXX XXXX denied the next payment. We became suspicious when the rep we were speaking with told us there was a fraud situation, so we met with a housing counselor. When Ocwen was contact they had no record of the HAMP, paperwork or payment. It was all a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was charge {$670.00} for an appraisal fee to obtain a mortgage refinance from Bank of America. After 1 day, I cancelled the loan request and requested a refund. After 8 days, the loan was finally cancelled, but only a total of {$460.00} was refunded. Bank of America retained {$210.00} of unearned funds. No appraisal was performed or scheduled.

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 2021-01-18
Company: EQUIFAX, INC.
State: CA
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:
Equifax Credit Report in correctly shows a balance due of {$13.00} to XXXX XXXX. I have complained numerous times to XXXX and thought this was corrected. I closed the XXXX XXXX because I could not tell what they were charging me for. Because the card was closed XXXX tried to charge to my card after closing, the auto charges for XXXX streaming services were then charged to my XXXX XXXX Credit Card and paid. They double dipped because they did not remove the {$13.00} charge to the XXXX card that was made after card was closed and charges were objected to. XXXX is showing on Equifax that I had 60 days late pay which I assume substantially is lowering my FICO score. 
I found the XXXX XXXX to be a complete failure. Charges would go onto the card for XXXX services without explanation what they were for - data, streaming, very confusing. 
I request this error be reported and removed. As you can see from my credit reports I have absolutely no late pays and otherwise excellent credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: LEXISNEXIS
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I had requested a copy of my Lexis Nexis report as I was informed by my former employer of a security breach. I proceeded to opt out of Lexis Nexis databases as a precautionary measure recommended by my former employer. They also requested I freeze all my credit reports. I have been successfully freezing my credit report at XXXX. However, Lexis Nexis would n't freeze my file saying it is n't reqiuired in the state of Georgia. Lexis Nexis is a credit reporting agency as outlined by state of Georgia laws and the CFPB. In the report they sent to me included XXXX pages that clearly states Georgia residents have the right to freeze the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other

Complaint:
Capital Ine has repeatedly refused to release MY money from a credit balance refund. I had XXXX Caputal One cards and XXXX has a credit balance of {$1700.00}. I have asked close to 100 times in person, in writing, and via phone to have my money back. I have submitted my drivers license and social security card. I have had branch manager XXXX XXXX XXXX verify my identity to get my account unrestricted. I have an active credit card with Capital One and they keep giving me credit limit increases, yet they still refuse to give me my refund. I even own a checking account with Capital One. I combined my XXXX accounts into XXXX credit card account- why ca n't Capital One apply my credit balance to this card or send me a refund check. They know full good and well who I am, continue a banking relationship with me and increase credit limits for me. Why do they continue to refuse to refund MY money?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
item is listed as " charged off '' on credit report and I would like this removed from my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
When I applied for a home mortgage refinance loan in XXXX XXXX, the closing attorney found a judgment against my property. The judgment is not against me, but against XXXX XXXX XXXX, my ex-husband, and against my property, property that I purchased from him in XXXX. The judgment was also filed in XXXX. The debt collection agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Virginia XXXX, VA XXXX. The debt is to Capital One Bank ( I assume it is a credit that XXXX XXXX XXXX had ). I made call after call to XXXX XXXX XXXX, the attorney at XXXX XXXX XXXX with no success ( her number is XXXX ). I have also made a number of calls to XXXX at XXXX, ext. XXXX and have not been able to accomplish much toward resolving this problem. 

Bottom line : The default judgment is entered against my property, but not against me. 
The default judgment is against my ex-husband XXXX XXXX XXXX. 
I can not finish my home mortgage refinance application until the judgment is lifted. 
A decision was announced today that the Fed is going to raise interest rates by one fourth of a point which will cost me money for years to come because of the incompetence and lack of concern on the part of XXXX XXXX XXXX through no fault of my own. 
On XXXX XXXX, XXXX, I made payment in full of {$2200.00} to XXXX XXXX XXXX to pay off the debt, and get the judgment released so my banker and attorney could continue with my mortgage refinance. I made this payment using my debit card, and XXXX told me a printed receipt would be mailed to me the following day. After 2 weeks, and numerous follow up calls by me, XXXX XXXX XXXX finally sent sent me a printed receipt showing I made the payment. 
XXXX told me the judgment should be released within 30 days. 
XXXX XXXX XXXX, the attorney at XXXX XXXX XXXX, told me on XXXX XXXX I should not have to pay a debt I did n't owe, and she was going to see what she needed to do to correct it. 
It is almost impossible to get any information from XXXX XXXX XXXX, even though I am not at fault here, in any way, shape, or form. 
There is no public record in the XXXX XXXX, NC court system that the judgment was ever against me. The judgment is clearly against my ex-husband, and has been erroneously entered and is affecting me financially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Saxon has committed numerous violations pursuant to federal law against me ; below are some of the violations such as 15 USC 1605 : I am being charged an APR, home insurance, I was charged a down payment and had to pay taxes and fees all which should have been included in the finance charge. I was not advised of my right to rescind- 15 USC 1635. They have committed four counts of 18 USC 1028A. 15 USC 1692e they have presented false statements, forms and contracts in an attempt to collect an alleged debt. They have violated 12 USC 1831n ( a ) ( 2 ) ( A ). They have continuously violated 18 USC 1341 by sending statements every month stating that I owe for an alleged debt. Saxon has attempted to make me believe that they loan me credit which they are not able to do and according to 12 USC 1431 they are in fact the borrower not me as they have not loaned me anything also the alleged debt is not my obligation according to 18 USC 8. 15 USC 1602g informs me that I am the original creditor not Saxon. The alleged debt has been furnished on my credit report which is a violation of 15 USC 1692b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
CapitalOne froze my account for potential fraudulent activity. After sending the requested documentation they still insist on not resolving my issue. If the end result is to close the account and terminate the relationship then let 's do that but to have our funds frozen and prevent us from operating is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: CCS Financial Services, Inc.
State: GA
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:
XXXX XXXX BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

XXXX : : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
Please refer to the first complaint filed on XXXX/XXXX/2015 Case number : XXXX. This complaint is in regards to Capital One Acct # XXXX and excludes the XXXX accounts. In addition. I have contacted the credit bureaus and Capital One directly. To date Capital One has not provided any verification documents on this account. They have exceed the legally accepted 30 day allotment to verify this account. According to the FCRA rules, if a creditor does not verify the debt within 30 days to the debtor, they are not allowed to continue attempting to collect the debt, nor can the creditor list the debt on the consumer 's credit report. This is a clear case of unverified debt. I have exhausted all efforts to resolve this matter.

Company response to consumer: Closed with explanation