BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-25
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I wish to submit a formal complaint against my lender Selene Finance XXXX. They have been a pure nightmare for me and my family since XXXX XXXX XXXX transferred my loan to them in 2013. The customer service representatives are not very helpful at all and they tend to practice lying about mailing out any information requested by me, the homeowner. I have called numerous times in regards to my loan modification process. I was misrepresented as to the timeframe of when I needed to start the loan modification process. They have intentionally not been applying my mortgage payments in a timely matter which has further placed them in a suspense account, so that I can incur late fees. They also intentionally do not send updated information to their Bankruptcy Legal department reflecting that my account is current and up to date. They have even gone as far to send back electronic checks that have already been deposited yet I have not been given credit for, nor have the money been redeposit into my bank account. I feel that I am currently being force into foreclosure. I wish to save my home, because I have a son about to go off to college and XXXX little girls under the age XXXX.I appreciate your response to this matter and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: Selene Finance LP
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX woman, XXXX years old and XXXX. I have been trying to get my home modified since XX/XX/XXXX. I had zero luck and it was very hard for me to get around my house to fax all the documents they had always requested over and over. I am in a wheelchair and live alone ; I have to wait for my son or daughter to come home from work and help me, if they were not too tired. I did everything my lender they had asked me. On XXXX/XXXX/XXXX, my lender, Selene Finance, denied my loan modification request stating that I had " insufficient income to support a modified payment ''. They calculated my income much too low and wrong, about {$1700.00} too low! They did n't give me time to appeal this - they instead sold my house at foreclosure auction on XX/XX/XXXX. I had no time to tell anyone what they calculated was completely wrong. This is a violation of the rules, how can they calculate whatever they want, deny it and then sell a house without me having time to correct them to get on the same page! I could not believe it ; this was another punch in the face. I am formally requesting a rescission of the foreclosure and a FAIR review of my case, they did not give me 30 days after they made the determination of my income for an appeal. They denied me and sold my house 6 days later ( 2 of those days being a weekend ). I will also be escalating this to the FHFA and to the CT attorney general. Also have tried calling numerous times to Selene Finance 's foreclosure attorney XXXX XXXX, a ruthless law firm who is know to be very agressive and ignore homeowners and their advocates. They also did not answer my counselor 's calls after my house was sold. This house is all I have and they calculated my income however they wanted to be able to deny my application and sell my house days later. No appeal time, no call back, foreclosure attorney ignores me completely. They sent a contracted realtor snooping around my house every few months ( XXXX XXXX ), whom would scare my tenants and berate me telling me I am going to lose the house anyway ( I will deal with that as a separate issue ). She also told my tenants to hand over their security deposits directly to her because I was in foreclosure. Again, a separate matter but she stated she was contracted by my lender. Somebody needs to make this right before time runs out and I am going to the government with this matter. I am tired of being ignored because I am elderly and in a wheelchair. I have been taken advantage of for too long. This is all a severe injustice and must be remedied. You have my full permission to speak with the counselors at XXXX XXXX. To Selene Finance : DO NOT close my case stating that you do not have authorization, because I am attaching it again and they have already been working on this case for 1 year so there is no excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: CT
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: Investigation took more than 30 days

Complaint:
I applied for a loan from XXXX XXXX XXXX in XX/XX/XXXX. I was involved in an accident in XXXX before that I was doing timely payments. Initially the insurance payment paid them off a major of the portion of the principal and then I kept in paying too same as before. I also financed an extended warranty through them so the company of the warranty had to sent me a check the check went to them first and they paid themselves then they paid me. When the loan was closed which was reported on XX/XX/XXXX they reported that I was 30 days late for XXXX payment 30 days late for XXXX payment and 30 days late for XXXX payment. Their representatives were very inept and lacked proper training and this company is probably the worst lienholder Ive been dealing in my entire life. Anyways the payment should be done by the first of each month. I am attaching two screenshots where my payment for the due date on XXXX was made on XX/XX/XXXX in full for the due date by XX/XX/XXXX. Also the payment for the month of XXXX was done in two different dates for two different amounts XXXX dollars on XX/XX/XXXX and XXXX on XX/XX/XXXX for the due date by XXXXThey also told me that my account was paid off sometime in the end of XXXX with the check that the warranty company sent to them they paid off themselves in XXXX and then refunded me so despite I took a statement on XX/XX/XXXX to make a payment by XX/XX/XXXX but yes I did not make a payment due to my account being paid off from the check they got from the warranty company. I want to know how is it possible I was 30 days late in payment for the months of XXXX and XXXX and 60 days in XXXX when my account was closed on XXXX? Despite its reported as closed on XX/XX/XXXX on Experian I think.

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 2016-08-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This now my 3rd complaint and the XXXX previous times OCWEN has told me they have addressed the issue when it has not been addressed. I have received partial answers and submitted my responses view this portal yet my complaint gets closed out with no resolve. My biggest issue is proving my actual debt yet every history I receive somehow does not include critical transaction like my misapplied payments and when they have been reapplied. I would like to have that addressed. I have also asked about the negative reporting against my mortgage. My issue is that negative reporting continues even while the debt is in dispute despite the fact that negative reporting is to cease when the debt is in dispute. I am a service member and was moved out of the home when I received orders but was trapped do to my developer going under. The reporting and the lack of transparent, clear answers is having a financial impact on me and now runs a risk of impacting my job through my clearance. I am being damaged because I am dismissed and have been dismissed while fighting this issue for years now. While things have improved as OCWEN has begun to come into compliance with the National Mortgage Settlement it still fall short. I am also still receiving collection calls while the debt is in dispute which is not supposed to happen and it has taken 3 months and several phone calls just to get an ESCROW analysis when I have n't received on in years. I appreciate what has been done thus far such as finally providing a case manager while falling short of the legal requirement for years but things are still not being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have asked Ocwen for loan payoff release documents i.e. XXXX and they say that because there was no XXXX continuation they did n't have to file a XXXX. 
However, how does my loan receives a lien clearance without this document?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The " servicing '' of my mortgage was transfered from IndyMac to Ocwen XX/XX/XXXX. I was invited to and was sent forms for an HAMP mortgage modification from Ocwen at that time. I was subsequently denied a modification, but Ocwen continued to accept my payments from the modification agreement made with IndyMac XX/XX/XXXX. When I was denied a modification, I requested from the agent in charge of my application a response in writing that would spell out what the terms were for the denial. I was verbally assured by that agent, XXXX XXXX XXXX XXXX that I would be sent the information but instead, about a week later I received the formal notice that I did not meet the " eligibility guidelines '' for XXXX. I suspect my income information supplied to Ocwen was fraudulently adjusted and I was hoping I would be given a chance to rectify this situation. The fact that the information requested was never forthcoming from XXXX XXXX or Ocwen suggests that my assumption of their illegal and fraudulent actions was justified. I believe I am qualified for a mortgage modification under XXXX guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm starting to think that OCWEN is nothing more than a Ponzi scheme ( a swindle in which a quick return, made up of money from new investors, on an initial investment lures the victim into much bigger risks. ) set up by large banks to transfer their loans without permission of the mortgagee to a group of so-called mortgage investment individuals who are supposed to help you qualify for a number of loan modifications. The ignorance of every XXXX of the employees at Ocwen goes beyond stupid. It is now XXXX months short of XXXX years that I 've tried over and over to modify my house loan. I was retired without benefits, i.e., retirement compensation from a XXXX after 30 years of employment after the death of the owner, operated, XXXX, XXXX, of a very successful company. Since my income has gone from XXXX figures to a small XXXX income I would think I would qualify for at least XXXX loan modification. Particularly because my home is under water. The incompetency of the mortgage loan officers, i.e., loosing paperwork XXXX and XXXX times because they ca n't find it on their desk or in their computers is beyond the word irresponsible. After working with the same loan officer for 18 months he never seems to remember who I am during our monthly phone conversations. I 'm trying to lower my payments not increase them. Every single offer I 've received have increased the payment now standing by {$50.00} to {$100.00} dollars a month and Ocwen will not write the modification unless I agree to 10 more years on my loan making it 40 years instead of 30 years. As of today since I 've not agreed to their new terms - they have turned me over to an attorney to start foreclosure on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: AFNI INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AFNI NOW OWNS THIS XXXX DEBT. I HAVE DISPUTED WITH BOTH XXXX, AFNI, AND THE FCC. HERE IS MY STORY : AS A NEW CUSTOMER I WAS PROMISED A BUNDLE DEAL WITH XXXX AND XXXX XXXX FOR {$80.00}. I DID NOT WANT TV, BUT THEY TALKED ME INTO IT BECAUSE IT WAS SUCH A GOOD DEAL. I GOT MY FIRST BILL, IT WAS {$180.00} I CALLED THEM AND THEY ASSURED ME THAT MY NEW CUSTOMER REBATES HAVE NOT KICKED IN YET, TO WAIT 30 DAYS AND THEY SHOULD REFLECT. AFTER 30 DAYS.. ANOTHER BILL FOR {$150.00}. UNHAPPY I CALLED BACK AND THEY TOLD ME THAT THE PERSON THAT SET ME UP ON THE PLAN, DID IT WRONG!! AND THAT SINCE ITS BEEN 30 DAYS, THEY CANT CHANGE IT SO THEY HAD TO ESCALATE IT TO HIGHER MANAGEMENT. SO I DID. AND IT SOLVED NOTHING. I ESCALATED IT TO THE HIGHEST DEPARTMENT AND THEY TOLD ME THERE WAS NOTHING THEY COULD DO! HOW CAN THEY DO NOTHING WHEN THEY XXXX UP? NOT ME, THEM. THEN THEY STARTED BLAMING XXXX AND SAYING IT WAS THEIR FAULT, SO I GOT THEM ON A 3 WAY CALL AND FORCED THEM TO TALK AND XXXX ADMITTED FAULT SINCE THEY ARE THE ONES THAT SET ME UP WRONG. i WROTE A LETTER TO THE PRESIDENT, WHICH WAS THE HIGHEST THING I COULD DO WITHOUT HEIR USELESS SUPPORT AND THE PRESIDENT NEVER RESPONDED! I CANCELLED MY SERVICE AND THEY BILLED ME FOR THE REMAINING SUM OF THE CONTRACT FOR CANCELLING. THEY ROBBED ME. THEY DO THIS TO EVERYONE. ITS WRONG. THEY NOW SOLD MY ACCOUNT TO AFNI COLLECTIONS FOR A TOTAL AMOUNT OF {$1000.00}, I WOULD LIKE TO GET THIS DISPUTED. I contacted afni to dispute but have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I paid off the loan in full XX/XX/2019. The company refuses to update my credit report. I have asked several times by email and they either dont respond or tell me it can take 45 days or longer. When I disputed the balance due and last payment made in my credit report with the 3credit reporting agencies I was told that XXXX   XXXX  insisted I had a large balance and that my last payment was in XXXX rather than indicate the loan had been paid in full.

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 2019-12-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I use TD Bank as my bank. About 3 weeks I noticed that there were 2 checks that I sent in the mail were clearly altered. I called up TD Bank and froze that account. I went into my local TD Bank branch and filed an affidavit of fraud. It took them nearly 3 weeks and only because of my complaining on social media that they responded. A representative from TD bank reached out trying to get a provisional credit. However, the local branch rejected this provisional credit without explanation. It is getting extremely frustrating and difficult to deal with TD Bank. My local branch is completely unresponsive. Meanwhile, a huge sum of money is missing from my bank and I have to pay bills. TD Bank was extremely negligent in allowing these checks to go through when they were clearly altered and they should take responsibility for their actions. They should have contacted me to ensure that these checks were legitimate before taking out such a huge sum of money from my bank account. Therefore, I would like my money back as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Well this started XX/XX/XXXX I made a payment to my account & the account was froze at this time, I trashed it to them on the XX/XX/XXXX to find out why my account was froze they said it was bc my payment was more than my limit, my limit was {$200.00} but the amount due was {$200.00} so that 's what paid. The payment was kicked out that afternoon ( the XX/XX/XXXX) so I attempted to make another payment the XX/XX/XXXX for the {$200.00} & my account was then restricted. I called them & did the online chat & they just have me the runaround over the payment being more than my limit. I kept saying that 's the amount due, I ca n't help the amount due is more than the limit. A week later I got a letter stated my account was closed. I reached out to then again on the XX/XX/XXXX I believe & demanded answers & they said because I had two payments " returned '' they closed my account & deactivated my account. How the XXXX is it my fault my payment was kicked back over {$8.00}????? I demand my account bed reinstated. This is XXXX & they know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
On XX/XX/2020 my credit report was pulled without my consent as an attempt to open an account under Bank of America. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting Bank of America On more than one occasion they could not assist with resolving this matter.

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 2020-04-16
Company: First Technology Federal Credit Union
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was updating my payment for an XXXX XXXX payment to pay from my checking account from First Tech Federal Credit union on XXXX. I set up a payment for {$130.00}. The account was supposed to pay from a checking account. XXXX XXXX, IMMEDIATELY notified me that the account had an error, and upon checking the account numbers I realized a no-balance savings account for First Tech had been linked. XXXX  instructed me to reach First Tech and place a block on the payment. I called First Tech immediately. Long hold times, no answer. I then went to secure messaging on my profile to advise of the error and asked for help on XXXX in blocking the payments for the account in error. The replies were " It is not our fault. '' Sorry the fees won't be reversed. I continued to call multiple times, send more messages on online messaging, to be told that " It's not our fault XXXX tried to pull payments, the fees are valid ''. See attached messages. 
My issue is no one was responding, or appropriately reviewing options to help me correct this issue. 
I very quickly corrected the payment with correct account and the XXXX payment from correct First Tech checking account was processed for {$300.00} ( as I had~ {$2000.00} funds available on XXXX for the purpose of bill payments ) on XX/XX/2020. It took a few days to process with the account correction. 
XXXX was amazingly helpful, no fees charged, great direction in how to resolve. 
FIRST TECH FED CU, not helpful, dismissive, and unwilling to reverse the fees. No help in discontinuing the fees from recurring. 

I was charged a fee of {$28.00} on XXXX, another {$28.00} fee on XXXX, and another {$28.00} fee on XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a student loan from the Alaska Commission on Post Secondary Education that is currently in forbearance. Apparently, they sent me a letter that was returned to them XXXX probably delivered to the wrong house ) and instead of calling me, emailing me, or attempting to contact me, they began harassing my extended family members and all educational institutions where I have previously been enrolled. At the same time, they have not once tried to contact me-and I 've verified that all of my contact info on file is correct. I did not receive a single phone call or email from them until yesterday XXXX XXXX XXXX ) which is the same day that my family members received their letters from XXXX. More importantly, my loan still in forbearance, meaning that there is no payment due. My next payment is not due until XXXX. I would like to file a complaint because I feel like their harassment of my family-including my XXXX year old grandparents-is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This is going to be kinda vague. I do have XXXX and XXXX. I have a big problem with the financial company I'm using due to my XXXX. To ask simple generic questions is talking over an hour. Before I got coupon book I asked once I make payment if I wanted to pay extra what would I do. I could never get an answer because of protocol. I've asked for help understanding things an they seem not to be able to stay on subjest. I call to set up auto pay and they refused to help me because they wanted me to make a payment first. The account wasn't past due. With my XXXX I usually have to practice how I want to do! Hi ngs if you make me change it won't work. 
I've even had staff make comments about my XXXX. One person stated she knew someone with XXXX and based on that determined I didn't need help that I was just wanting to cause trouble.

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 2021-11-15
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: Was not notified of investigation status or results

Complaint:
I have been sending letters for months now and have not receive any response from the bureaus. Not one letter in the mail.This is so unfair the way I'm being treated. They operate any way they want to.

Company response to consumer: Closed with explanation