BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Per the FTC the credit bureau 's have to provide me with physical proof of the information they verified for any account, the information has to be provable beyond doubt with valid signatures. Attached is a recent letter I sent them asking for a re-investigation. Each time I have asked the credit bureau to investigate this time, they send back a letter saying to contact the collection agency. The law states the the credit bureau has to prove this information not the collection agency. Thanks.

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 2017-05-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is a medical account to my  XXXX ,  XXXX   XXXX   XXXX ,  XXXX . The account was paid to his office at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , OK, on or about  XXXX   XXXX ,   XXXX  . This account was originally with  XXXX    XXXX    XXXX ,  XXXX , OK. The complete file, cancelled checks, and educational materials on correct claims filing were presented in person at their office downtown on  XXXX   XXXX   XXXX  At that time, it was agreed by all parties that this case in its entirety was closed and satisfied per contract on all parts. Now, this account keeps reappearing at various times on various credit reporting agencies both national and local. This is a gross violation of the Fair Credit Reporting Act and I have also advised these agencies repeatedly.     I expect justice to be carried out, I expect these to be removed from my credit report permanently, and I expect punishment to the full extent of the law to these agencies for repeatedly violating the Fair Credit Reporting Act and my personal rights. I also expect my credit reports to be completely and forever expunged of these items as they have been satisfied for more than three years.

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 2016-08-26
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Some years ago I was paying XXXX a month and went to refinance I was told it would be XXXX a month. When the settle date came the officer came to my house she was from a service. The rate was a lot higher at XXXX I called the bank rep and he said go ahead and sign it will be the XXXX it never did and I could get nothing from him. It killed me and caused me all kinds of financial hardship. I have not been able to make a payment after the XXXX a month drained me. I have been in bad health and have XXXX. The bank was indymac, XXXX, XXXX and someone else. I paid a lawyer who stole XXXX promising me a loan mod & gt ; Mortgage lawyer XXXX was the name. I also went through XXXX XXXX XXXX XXXX 3 times i did the paper work and they had me redo it it was totally finished and submitted by a hud rep XXXX XXXX. I did it a 4th time with XXXX XXXX it was totally completed and then they said we had to redo it because the bank changed. I was scammed into the mortgage and the appraisal on my home was inflated. I asked about it and they said it was ok. I am a minority XXXX and this is not fair. I believe the lender was also racist as I could and should have qualified for a loan mod. I am trying to have a short sale now and have a lawyer but I am not sure what this one really is doing. I have lost a ton of money and can not even pay. I just want this nightmare to end. I tried several times to find out what legal action I could have and was turned away. Seems like people of color always are. I need help what was done to me is wrong I have been bankrupted and almost divorced. It has been hard to sleep or live for years. I have been threatened and embarrassed to the utmost a man came to my house at XXXX one time and taped papers to my door. I have not paid and I was promised a trial mortgage by my crooked lawyer who had me list the house and then tried to buy it in short sale but i would not sign when i found out he was part of the deal. XXXX, Indymac and whoever else isaoa has been horrible to deal with. I think they just want the house. I have kept it up hoping that i can get somekind of relief. I want to pay but not XXXX a month its not fair and is criminal i have been in contact with the bank and feel they are racist and do not want to help me .Please help me Please this can not keep happening to people of color in this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: CITIZENS FINANCIAL GROUP, 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:
On  XXXX  of  XXXX , I felt I had no choice but to walk away from my townhouse located at  XXXX , California. I had  XXXX  purchase mortgages for this townhouse, a primary and a secondary. Both were originated by the now defunct  XXXX   XXXX   XXXX , both allegedly transferred over to  XXXX   XXXX   XXXX  at about  XXXX   XXXX , and around  XXXX   XXXX , the primary mortgage servicing allegedly went to  XXXX   XXXX  and the second mortgage allegedly went to CCO Mortgage.  XXXX   XXXX  and CCO Mortgage were still servicing my primary and secondary mortgages, respectively, when I defaulted. I was told by   XXXX   XXXX   that I did not qualify for any of the HAMP or HARP programs, nor did either  XXXX   XXXX   or  CCO Mortgage provide any assistance in regards to a short sale nor a deed-in-lieu.  XXXX   XXXX  foreclosed on the townhouse in  XXXX   XXXX . On  XXXX  of  XXXX , I applied for a FHA mortgage since it appeared I would quality after just three years after a foreclosure. Through this process I found out the CCO Mortgage had since changed its name to Citizens One Home Loans and was continuously sending all three credit reporting agencies information that I still owed them {$41000.00} even though California is a non-recourse State. The credit union where I was trying to obtain the FHA loan through tried to assist by contacting   XXXX   XXXX    XXXX  who ended up conferencing me in with Citizens One Home Loans to request that the Amount Past Due to updated to $  XXXX  since my property was foreclosed on. The representative at  Citizens One Home Lo ans stated that I still owed the loan, but that they will not try and collect, and that they will continue to make that claim fo r 7 to 10 add itional years. In addition,  Citizens One  increased th he Balance Amount to  {$55000.00} after this interaction and continues to increase the  Balance Amount  on a monthly basis. I had filed a dispute with  Citizens One  and all  XXXX  credit agencies on  XXXX   XXXX , but all that resulted was for the  XXXX  credit agencies to put a fraud alert on my credit report and fo r Citizens One  to exceed the 30 day response period with a " We are still investigating '' letter.  Citizens One  has also exceeded the 15 day extension, which they should only have gotten had they received new information, which I do not believe has occurred. Citizens One is playing games with the Fair Credit Reporting Act and claiming that  I con tinue to owe them funds when the debt should have been cleared after foreclosure, based on California 's anti-deficiency rules. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: EQUIFAX, INC.
State: TX
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:
Per the FTC the credit bureau 's have to provide me with physical proof of the information they verified for any account, the information has to be provable beyond doubt with valid signatures. Attached is a recent letter I sent them asking for a re-investigation. Each time I have asked the credit bureau to investigate this time, they send back a letter saying to contact the collection agency. The law states the the credit bureau has to prove this information not the collection agency. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Behind on mortgage with Greentree, made a XXXX $ payment in XXXX 2015 to make account current however my account info reflects that a payment of {$41000.00} and Greentree continues to add other fees to my statements saying that we still owe ie : legal fees. Have followed their reguirements or steps ( all inguiries have to be made in writing, we speak to customer serv and supervisers, managers and we are told to send all inguires or requests for account info in writing. Our account is to this day not accurate. Payment of {$43000.00} made with cashiers check, have the reciept for proof and Greentree continues to refuse to help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I went to  Wells Fargo t o refinance my car loan, and found out my interest rate was higher than when I purchased the car also I 'm randomly paying more. Originally I was paying  XXXX  dollars at  5.97 pe rcent. Now it 's  XXXX  at 10.59. And I 've made every monthly payment on time. So they tell me somehow back when I got the loan. The girl workingvat the time did n't p ut Wells Fargo  at the lean holder but myself in the cars title. So somehow that is my fault and I believe that 's illegal to do because they never informed me of what happened and just raised my rate and took more money out of my account. So I 'd like to know if  Wells Fargo is at  fault. Cause I was expecting to get a lower rate not  a higher one after one yea r.

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 2017-05-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After having a substantial relationship wit h Chase, I g ot a notice they have decided to close my account and gave me no reason whatsoever. I ha d one iss ue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business   accounts and personal accounts.
JP Morgan Private cli  ent wanted me to open an account with them and put a portfolio together for me, reviewed my financials and tax returns and everything and then were told   by Chase that they were not able to open account.
I am an ideal client and maintain substanti  al balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Predatory bank practices on our home ; ie, lack of modification two times, will not lower the 8.39 % interest. We were recommended to this agency from our state 's AG office. We believe the actual loan is with XXXX, yet serviced by OCWEN LOAN SERVICING with call centers in XXXX. Lack of negotiations from them. After 12 years and no missing payments from us. They will not be compassionate or care to understand w/o lowering the interest rate. Unfair practices to force retired, good people like us into foreclosure and lower standards of lifestyle from own home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After having a substantial relationship with  BB & T B ank, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  XXXX  issue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I am willing to pay the balances but ca n't even find where to pay them.. Please let me do this and maintain my relationship. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

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 2017-05-04
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After having a substantial relationship wit h PNC B ank, I got a notice they have decided to close my account and gave me no reason whatsoever. I  had one issue with  a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently pulled my own credit report and observed a discrepancy. I noticed a company ( XXXX ) is stating that I owe them {$89.00}. I attempted to contact the company but was unable to speak to a representative. I have do n't know how this company received my information or why they are claiming I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Excessive over 700 % I keep getting calls from live person or robocalls saying I owe money # XXXX I received over 30 call from two mos ago I told them to stop but still calling

Company response to consumer: Closed
Consumer complaint received 2017-05-04
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
When I graduated  in 2007 I  had 6 months to start paying on loans. After that period I was trying to consolidate my loans but was told I was unable to consolidate. Making my monthly payment just outrageous and un-affordable. This hurt me through credit, and hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have filed a  609  with   XXXX   on  X/X/17   ,  X/XX/17   , and  X/XX/17   .   Equifax   on on   XXXX   and  X/XX/17   , and  XXXX  on  X/XX/17    and  X/XX/17.  Then I sent a letter stating that I would file a complaint with the FTC, and they continually are replying that the accounts belong to me, but I was/am disputing that if the Credit Bureaus CAN NOT provide a copy of the original signature that the items should be removed from my credit report. They are in blatant disregard, according to the  609  law. Here is the list below of the items that I have reported to be removed from my credit report  XXXX  = {$620.00},  XXXX   XXXX  = {$1300.00}  XXXX  = {$1900.00}.     Thank You,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: JPMORGAN CHASE & CO.
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My relatives have received harassing phone calls, saying it will be arrested, served papers, charge with failure to appear, they have pretended to be officers of the court etc. I have called them back and reviewed their information to find out it is not me but someone who 's last known address is half way across the country. Then this morning They promised before to take me off their calling list after calling my lawyer. Two days ago I registered a new phone number and the calls continue, when I return the call they tell me they are suing me for XXXX/XXXX percent of what I owed ( keep in mind I owe them nothing ) and I even confirmed with them they had the wrong person by asking for that person social and provided my last XXXX to them. She is then abusive and hangs up so I call back and she insist that I confirmed that it was my debt and she 's serving me with papers. I have lived in XXXX for the last 4 years and this debt they are trying to collect is only a few years old during a period I could not have made it. They refuse to give me an address of the company, any details or talk with a supervisor but insist it is me even after I confirmed it was not. They called me at XXXX waking up me and my wife who are getting ready to have a baby and their threats are causing me unrest when I do n't even know this person their trying to collect on and contacted family members private cell phones that do n't even share my last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing LLC is holding the mortgage for XXXX XXXX XXXX XXXX XXXX, Fl XXXX that unit has been in default of condominium fees for over 3 years. In XXXX 2015 Ocwen filed a motion for default against the defendant unit owner. However, the default has not been entered as of yet that we are aware of. The condo fees are in arrears for well over {$5000.00}. Ocwen is protected by safe harbor. I, as a unit owner in XXXX XXXX, have no protection and am bearing the burden in my fees for this defaulting unit every month of every year this goes on. I am asking the consumer financial protection bureau to do all within its power to get Ocwen to foreclose on this unit and sell it. Other units have sold for well over the {$66000.00} which I believe is the mortgage amount, so there is no excuse for this to continue. By Ocwen dragging its feet on its responsibility for this unit it is causing unnecessary and undue penalty to me, a senior citizen, living in this XXXX condominium association. This is a horrendous situation and should not be allowed to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Synovus Bank
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After having a substantial relationship with   XXXX   XXXX    XXXX  , I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one issue  with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After having a substantial relationship with Bank of America, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one is sue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency.     My credit card was closed and shows negative on my credit. I was never late and shows that it was late and paid off. I paid balance upon getting notice it was closed.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

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