BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I own my home free and clear. Pretender lender loan servicer " Ocwen Loan Servicing '' using its cozy relationship with XXXX and XXXX, using fraudulent trustee sales that was taking place in just days as a weapon to coerce me into signing a increased none negotiable fraudulent {$750000.00} loan modification settlement in order to save my home from being auctioned off by crooked shady Ocwen 's buddy XXXX in just days. Then Ocwen and its crooked lawyer " XXXX XXXX '' would not allow me the right to have a congressional hearing before congress to tell my story about all the years of being under severe stress by these companies servicing 's abuses which has caused me serious health troubles, serious harm. Now, after Ocwen, XXXX and XXXX all threatened with fraudulent trustee sales, Ocwen is now using pretender lender loan servicer impounds account as another weapon, forcing my private homeowners insurance into the pretender servicers phony impound account. I paid my private homeowners insurance policy in full because I own my home free and clear. I received a refund from my homeowners insurance company. Pretender lender loan servicer Ocwen Loan Servicing, pretender beneficiary XXXX and pretender trustee services XXXX, all have committed fraud against me. I have evidence of Ocwen putting years of forced placed insurance policies on the pretender lender loan servicers account when I had my own private homeowner insurance policy at all times. Do n't worry Ocwen litigation crooked lawyers puppet XXXX will tell everyone 2=2=5 the sky is green grass is blue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I recently paid down all of my Chase credit cards to improve my credit score by lowering my utilization rate on my available credit. Two days after I made the payments to bring my utilization down below 30 %, Chase lowered my available credit from {$25000.00} to {$2500.00} thus making my balance at 100 % of credit and creating virtually no availability. This also would have seriously damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent a letter to all XXXX credit bureaus and called the State tax office as well. I was only in XXXX from XXXX and did not work during that time, or own property. I was never in XXXX in XXXX when the lien was filed and this error has affected my credit and only recently was I made aware this lien ever existed.All XXXX credit bureaus are reporting this misinformation. 
Source : XXXXDate Reported : XXXX/XXXX/XXXXDocket # XXXXCourt Type Recorder of DeedsRecord Type State Tax LienECOA JAmount $ XXXXThis information is also false. I was very ill and on XXXX during this time.and evidenced in XXXX hearing in XXXX of XXXXSource XXXXDate Reported XXXX/XXXX/XXXXDocket # XXXXCourt Type : XXXX XXXX Type Civil JudgementECOA IAmount $ XXXXPlaintiff/Attorney MedicalXXXXofXXXXXXXX/XXXX/XXXX claimed to be verified XXXX/XXXX/XXXXDIV ADJ SERVBalance $ XXXXMedical

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2017 I sent all XXXX credit bureau letters to verified or removed items from my report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Its 30 days later and still have n't got any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX fraudulent accounts that were opened in my name with XXXX XXXX XXXX XXXX XXXX. I 've notified XXXX XXXX XXXX XXXX XXXX of this as well as the Equifax. I 'm not sure as to how someone obtained my personal information. I even sent them a copy of my Identity Theft Report Affidavit and they have failed to remove this account. I am not responsible for it and it is bring down my credit score. This has been disputed since XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Asset Recovery Solutions, LLC
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am the co-signer for my daughter 's XXXX Navient student loans which have been in default for approximately seven years. I am XXXX and it is recognized by the Social Security XXXX. I am also bankrupt. I filed Chapter XXXX in XXXX and XXXX XXXX in XXXX. For years I have contacted Navient numerous times to try to get this loan out of my name since I will never be able to afford to contribute to its balance. I am not requesting that the loan is dismissed and forgiven ; I am requesting for these loans to be taken out of my name. I was told by Navient of ways to have my name removed ; however, they were very expensive and not an option for me. I have asked numerous times why it is XXXX 's policy that the co-signer can not removed from the loan based on their XXXX. No one has ever been able to give me an answer other than saying it 's XXXX 's policy. It was also recommended by a Navient representative to have a XXXX form completed by the doctor and returned to XXXX for review to see what happens. I did so and was immediately denied with the only explanation being co-signers can not be released from the loan based on XXXX. When I called to ask once again for further explanation of the denial, I was given contact information for Asset Recovery Solutions , LLC which is a collection agency. I immediately called the collection agency. The lady I talked with said she would note my account in the computer and send it to some department. She suggested that I call back in two weeks for an update. I called today, XXXX XXXX, XXXX. A different lady had no idea what I was referring to as she said my file was not forwarded. She then transferred to a manager. This male manager with an attitude was not knowledgeable and incorrect in some of his statements to me. He said that these private loans can not be forgiven by borrower or co-borrower. I asked him why is there such a form if that is the case. I feel that this policy is unfair because the borrower can apply for relief if he or she is disable, but the co-borrower can not. The co-borrower is human as well and can become XXXX and unable to repay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: GOLDMAN SACHS BANK USA
State: MS
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I have several CD 's at GE Capital Bank XXXX online bank ). They are maturing at different dates in the month of XXXX. A month prior to each of the CD maturity dates, GE sent me an email notice informing that my CD would mature within a month and that I needed to contact them by phone to give them instructions on how to disperse the money. In the absence of my contacting them, the money would automatically rollover into another CD of the same maturity length of time. After I received the emails I called GE to request, upon maturity of my CDs, that the principle and interest be deposited into my online saving account and not to automatically roll the CDs over into another CD. The GE representative informed me that they could not process my request until the actual maturity date of the CD. However their previous email is misleading in that respect. It implies that I could call them at any point between the time that I got the email to the time of the CD maturity. Below is the copy of the email that they sent me : This notice is to inform you that your XXXX CD Account with GE Capital Bank is due to mature on XXXX/XXXX/2015. 

Please contact us by the maturity date with instructions on how you want to renew your CD. If you do not contact us, your entire balance will be automatically rolled over into a XXXX CD. The interest rate and the annual percentage yield ( APY ) have not yet been determined. Please call after the maturity date listed above for the current renewal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XX/XX/XXXX I was experiencing financial problem. I called my mortgage institution for monthly payment assistance. I was sent a package requesting to notate my hardship and list of monthly bills. I wrote a detailed letter and gave account of my monthly bills. I was then called and informed I was approved for the modification for my mortgage and a package will be emailed to me to sign. Only after I signed and agreed to the terms will I get the assistance I needed. Of all the paperwork I signed I was given what was called a SHARED APPRECIATION agreement which I am attaching as well. I was emailed the information and told to return it that day. I signed and returned the package and my payments were greatly reduced. Just recently I was attempting to refinance my mortgage which would lock me into a much lower monthly mortgage amount at a fix rate. I was approved however while finalizing the paperwork I was told my mortgage company is requesting over {$5500.00} to be added to the payoff amount. I was sent the XXXX. I called because I did n't understand what it was and I was told that because they helped me with my modification, that anytime I sell or refinance my home I agreed to share in the appreciation of my home. They stated they would receive {$5500.00} of the shared appreciation because in 2012 they appraised my home at XXXX and I financed XXXX at the time of the agreement. I was never sent anything that I can remember stating {$5500.00} was the shared appreciation amount. I feel this is predatory loaning for a person in need financial help. I was rushed to sign and fax back the information. If I understood I feel I had no other options as I could n't afford the mortgage I was paying. They knew I was in financial distress and I know they took advantage of my circumstances. My payments went from {$880.00} to {$590.00}. When I received the loan I was told to make payments on time for the next XXXX years and they would forgive approximately XXXX each year and I did so without incident. It appears to me that signing this agreement was there way of getting back what they stated was forgiven. I feel that these mortgage companies are taking advantage of people in hardships and later making even bigger profits. The extra money I could be getting from my refinance is money homeowner can later use for children 's college, home improvements or paying off debt but predators like OCWEN found a way to take that away.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In about XXXX of XXXX, I began applying to XXXX here in XXXX, MI to refinance my Mortgage which was being serviced by CitiMortgage Inc. ( CMI ) As this was happening, CMI decided to sell the servicing of my Mortgage to XXXX XXXX XXXX. ( XXXX ) Therefore, as I was finishing up the process of refinancing my loan with XXXX, I began making payments on my Mortgage to XXXX. 
The problem began when XXXX began to itemize a debt that I did not recognize. XXXX called it " Corporate Advance Balance ''. And they gave this definition, with an asterisk, for it on my bill : " Corporate Advances represents monies advanced by servicer to pay taxes, insurance, and any other amount currently due that are not part of an escrow account ''. And it did not appear on my Monthly Billing Statement from XXXX, until the third statement from them, on XXXX/XXXX/XXXX. The amount was {$370.00}. When I inquired, XXXX never did clearly explain what constituted said {$370.00}. XXXX continued to hold me responsible for said " Corporate Advance ''. When we closed with XXXX to refinance my Mortgage Loan with them, XXXX included the {$370.00} in their Payoff Statement of XXXX/XXXX/XXXX to XXXX. My XXXX Loan originator, said he spent considerable time with a XXXX representrative about the matter, with no success. I was advised to go ahead and accept the charge for now, and to try to hold CMI/XXXX responsible for the Corporate Advances later on. This is what I 'm doing now. I have done some research to determine where the {$370.00} came from, so to speak. On XXXX/XXXX/XXXX, I was able to speak with a worker at CMI over the Tele. 
He was able to quote me what comprised the {$370.00} Corporate Advance that CMI passed on to XXXX : XXXX/XXXX/XXXX : {$260.00} for Title ( something ) / XXXX/XXXX/XXXX : {$9.00} Certified Mail / XXXX/XXXX/XXXX : {$9.00} Certified Mail / XXXX/XXXX/XXXX : {$92.00} Publication Fee / XXXX/XXXX/XXXX : XXXX Pub. Fee. This adds up to {$370.00}. CMI and XXXX have conspired, through means of a " Corporate Advance '' of forcing me to pay for charges I had never been billed for by CMI, which CMI passed on to XXXX and which XXXX forced me to pay when they included the " Corporate Advance/s '' of {$370.00} in their Payoff Statement to XXXX on 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 2016-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is continually reporting inaccurate information although I have provided documentation to the contrary twice before. The issue is under the category Public Records, Equifax is reporting that I have a civil judgement of eviction, this is incorrect. 
I was not evicted from my apartment ; I was able to pay the rent arrears in full before a court-appointed deadline. I only received a Notice of Petition -- I was never evicted from my apartment. I have provided documentation of my XXXX County Civil Court Case Summary showing : ( 1 ) I was granted XXXX extensions and then a full payment was made. 
( 2 ) The vacate judgment outcome is Inactive and Discontinued ( not a judgment of eviction ), meaning it was paid before the court-appointed deadline ; therefore, no civil judgment made. 
I have contacted the other XXXX credit bureaus, both bureaus, which corrected the error immediately months ago. Equifax refuses to correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Debt Recovery Solutions, LLC
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 is not mine

Complaint:
i was contact by debt recovery solution on behalf of XXXX, about a bill that i owed them, i immediately contact XXXX because they used to be my carrier, when i called them i was told by XXXX to file a complain to you.i want that to be clear from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: CITIBANK, N.A.
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account in XXXX XXXX using promo code XXXX which offered a bonus of XXXX AAdvantage miles which would be posted to my AAdvantage account within 90 days of meeting the following requirements : " Within 60 days of account opening complete debit card purchases of {$1000.00} using the Citibank debit card which must be posted to the new checking account. And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' The offer code was accepted but I thought it was odd that I was never asked for my AAdvantage account number so I immediately opened a chat window on Citi 's. The bank 's representative informed me not only that I had signed up for the correct promotion, but also that it was " targeted '' to me. 
On XXXX/XXXX/XXXX after meeting the bonus requirements, I opened a chat window again in which a bank representative confirmed that I indeed had met the requirements and the XXXX miles would be posted to my AAdvantage account in 90 days. A copy of both conversations are attached. 
After 90 days came and went, I called Citi to find out the status of the bonus and the rep told me she would open an " investigation '' and the results would be sent to me in a few days time. Upon completion of the investigation, I received the attached letter informing me that there was not an AAdvantage Miles promotion offered in conjunction with the opening of my account. In a follow up phone call, I was transferred to a supervisor who told me that I was never " targeted '' for the offer, despite what I had been told by two of the bank 's representatives. 
If for some reason I was not eligible for the promotion, I should have been informed upon account opening. Not wanting to close the account before I received the miles, I have since been charged {$120.00} in service fees. I am requesting that Citibank credit my AAdvantage account with the promised XXXX miles as well as refunding the service fees caused by their delay in processing the bonus. Thank you for your assistance.

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 2016-06-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Let me start by saying that I have a credit score of XXXX so I pay my bills on time. In XXXX I had a charge of {$40.00} on a rarely used AT & T Universal Card issued by Citi. I have had this card since 1990. The billing had been changed from paper to e-mail. I have no recollection of authorizing this billing change. I was not looking for a e-mail billing and was only alerted when I got a e-mail saying I was late. The {$40.00} initial charge now included a {$25.00} late fee plus interest. I called customer service, explained the circumstances and asked that the late fee be waived. I sent a check for the {$40.00} charge. I was denied the waiver by phone and by letter which I received on about XXXX XXXX. I sent a letter to customer service on XXXX XXXX explaining my situation. I received a form letter on XXXX XXXX again turning down my request for a late fee waiver. I called customer service and asked to talk to a supervisor. I was told that no supervisor was available but that one would contact me. In the meantime my late fees and interest on the original {$40.00} charge have grown to $ XXXX.Still no call from a supervisor even though I again called customer service requesting to talk to a supervisor. I feel it is unconscionable to access late fees when I am trying to resolve the issue and have yet talked with a supervisor. The late fees are excessive and the bank is taking advantage of the fact that it takes time to get hold of a person with authority. I have authorized by bank to pay the {$63.00} to avoid further fees but am not pleased with this banks service and gouging of its customers. Not one person of authority has responded to my letters. Not one person of authority has looked at my request yet the fees keep getting accessed. Again, none of this would have occurred if the credit card company had not switched the billing to e-mail.

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 2016-09-22
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been a Citibank credit card customer for many years, and they are now starting to charge me interest fees on purchases that I pay in full every month. After calling a couple of times, and still not understanding the reason for the fees, I wrote this : " I had called about this, but still do not understand why I am being charged interest on my purchases when I have paid them in full every month. I was told because I still have an amount for balance transfer ( even though it is interest free ), that interest will now be charged on the purchases I have made ... I looked back at previous statements from XXXX & XXXX, and I was never charged this interest as long as I paid my monthly purchases in full, and still had an interest-free balance transfer amount. This makes no sense to me. I have never experienced this with any other credit card ... Please explain this so I understand, and if things have changed from the past, please explain that also. '' This was their response : " The interest shown on your statement is generally called residual, or trailing interest. This is the interest charged against the account balance from the last cycle 's statement date until the date you paid in full. If you paid on your due date, the interest was assessed against the balance that existed on your account for about 25 days. '' There was a promotional offer of 0 % interest on purchases for, I believe it was 18 months. I paid off the entire balance in XXXX XXXX and continued paying all of my purchases in full each month. Then in XXXX of this year, I made a total balance transfer of {$1500.00} with a {$45.00} fee. I paid not only the balance of purchases that month, but also the {$45.00} fee. So the remaining balance was only the {$1500.00} transfer. That is when the interest started, even though I have paid the full amount of purchases each month. See the attached document. This is fraudulent and a scam- '' residual or trailing interest ''? I have NEVER had anything like this on any other credit card. I am not sure if they are trying to recoop losses from 2 % Cash Back on the Double Cash card or the reason for trailing interest. So it makes no sense to use the credit card since the minute you make a purchase, the interest clock starts ticking even if you pay it in full by the due date. This is a scam and it must be stopped. There should be no residual/trailing interest as they call it, it is a deceitful practice, and all they are doing is recouping and making the money lost from 2 % cash back ( 1 % when purchased and 1 % when paid ). It is a deceptive and deceitful scheme, and must be stopped. It is a con and people are being swindled.

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