BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-31
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a computer through Conn 's utilizing Conn 's credit. I purchased on a Saturday and delivery of the device was made the following Tuesday. I opened up the device and called service because the device would n't connect to the Internet. They determined it was bad and sent me to the store for an exchange. I get home with my new device, and again wo n't connect to the Internet. This time I do n't call service, I just take it to the store. The store wo n't exchange or give me money back b/c we are outside their policy window. I go home and call service, service said to take it back to the store and get a new different computer. I get to the store and they ca n't find where service said that and make me send the computer off for fixing. I ca n't do my work for almost a month. The computer has n't worked at all from day one, and they wo n't give me my money back or a new computer bc I 'm outside their window, but it has n't worked since day 1!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Specialized Loan Servicing Holdings LLC
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 status incorrect

Complaint:
Specialized Loan Servicing offered pandemic forbearance on my mortgage loan payments ( account # XXXX XXXX beginning with my XXXX, 2020 payment for three months, and then extended an additional 2 months, through XXXX, 2020. During that time, I had several conversations, which they informed me were recorded, acknowledging these arrangements, and with understanding that payments would be added to the back end of the loan. Moreover, we reached an agreement to modify the loan moving forward as well. At no time was there any discussion about paying the balance in full at the end of the forbearance period ; that would be very difficult, and very unreasonable to do under the circumstances. My conversations ALWAYS were with explicit understanding of the amount due being added to the loan.I was shocked to find that the payments were marked as 120 days past due on my credit reports, without any notification whatsoever. I have tried repeatedly to get someone at Specialized Loan to discuss this, and have left several messages to call me back, but no one has. Their negligence and complete lack of communication is costing me dearly in destroyed credit scores, and inability to conduct any business that involves borrowing money.

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 2016-01-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX, I have requested a short sale from Ocwen and I am being foreclosed on, due to their failure to allow me to continue with the short sale, my broker has received an offer and the whole short sale package was sent to the bank and they keep denying that they received it. 
We are now going into two weeks of back and forth with them and they have put a foreclosure sale date for XXXX XXXX even though there is an offer in place and buyer, but they refused to postpone it aside from that they refuse to do a interior home appraisal to take into consideration the value because they have over valuated the property other properties in better condition than mine and so they are saying that the offer they assume is to low I need someone to get involved although I talked with managers there intentionally for closing on my property without allowing me to finish the short sale with having an offer in place this is been going on for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company has contated me regarding a debt. They did not provide any information, but instead asked for my information to validate debt. Additionally, I have verified with the State of Florida Office of Financial Regulation said company is not licensed to collect debt in the State. Their license XXXX was revoked. I am asking that they have said unverified accounts removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I received a call from Citibank about an unusual activity on my checking account. As a result, Citibank blocked my access to my account. I called Citibank and confirmed I did not recognize or approve the unusual activity on my account. Therefore, I was informed I would get a new bank card within the next 24-48 hours which would have been the latest on XX/XX/XXXX. Unfortunately, Citibank did not advise me I could go to a branch to get a temporary card. I received a notification from XX/XX/XXXX that my bank card would be delivered on XX/XX/XXXX. However, it was not delivered. I have called Citibank costumer service about the matter and their representatives have been rude and provided misinformation. Its been more than 48 hours and I have not received my bank card and/or access to my account. Citibank has not made any effort to provide good customer service!

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 2016-08-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX, I submitted to OCWEN a Escrow Termination Request. After calling Customer Service @ Ocwen, I was advised to write and forward the request in writing. 

On XXXX XXXX, XXXX I received a denial letter from Ocwen ( attached ) stating due to " HAMP Guidelines '' my loan had to be escrowed for three years. 

On XXXX XXXX, XXXX, three years later, I submitted another Escrow Termination Request letter. Again, I was denied, stating due to " HAMP Guidelines '' my loan had to be escrowed for five years. 

After several calls, complaints to XXXX, Obudsmans office, I was finally told by the Obudsman office that it is not a HAMP guideline but an OCWEN guideline that they are enforcing. 

My concern is the fact that OCWEN continuously states it is a HAMP guideline when it is not! What OCWEN is claiming to be HAMPs guideline is : " The account must be escrowed as a requirement, and the escrow account may be waived at the servicer 's discretion. '' This is not stated in my terms and conditions as " guidelines '' to my loan. 
Being waived at the servicer 's discretion has no time frame on it ( 3 years or 5 years ). My concern is at the 5 year milestone, they could deny me again with another stipulation. I believe this is unlawful. 

I meet all of the qualifications of an Escrow Termination. 
1. The account must not be delinquent within the last 12 months. 
2. The current loan to Value ratio must be less than XXXX % 3. The escrow balance must not be negative 4. Taxes and Insurance must not be due with the next 45 days 5. The account must not have an active Lender Placed Insurance Policy 6. If waiving tax escrow, all tax lines must be waived, Similarly, if waiving hazard insurance escrow, all hazard lines must be waived 7. All waiver request mush be received in the form of a written request from the borrower. 
If you could PLEASE assist me in terminating this escrow account, it would be much appreciated. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Deutsche Bank XXXX home loans, after repeated attempts to ask for a home loan modification due to high mortgage rate the bank kept refusing me. I submitted proof of hardships in ever occasion. My loan was bought by Deutsche Bank XXXX Mortgage from XXXX XXXX in XXXX. I lost my job and my income was reduced by over XXXX yearly. Todate this company has failed ot accomodate my hardship. I have owned my home since XXXX. I have been paying Deutsche Bank XXXX mortage the high rates of 9.75 %. I have filed for backrupcy to protect my home. I want lower rate and rembercment for years since first hardship sent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion is reporting XXXX XXXX XXXX XXXX on my credit report and the account is being reported inaccurately. I 'm a victim of identity theft and they make me speak to a special department whereas they do n't take the time out to investigate the information that 's provided to them. I was told by XXXX that I have a mix file with a person that has a similar name as mine or address, they found it was n't mine and removed the negative account from my profile.This company also tells XXXX that it was included in a bankruptcy but I never filed a bankruptcy. Every time I try to explain this to TransUnion I get push back stating that it 's verified. The million dollar question is how are they verifying it with you as they 're stating with another bureau that it 's XXXX balance and is in a bankruptcy that does n't exist. Please find I 'm enclosing evidence that supports my claim.

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 2021-03-23
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This fraudulent debt was first sold to a company called XXXX XXXX. On XX/XX/2018 I was notified about this debt I asked for the company to validate the debt because I have done no business transactions with this company or the company they said I had a loan with and they erased the debt off of my credit report. Months later I received calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX about this same debt. Due to the excessive calls and the inability to prove that this debt belonged to me XXXX XXXX XXXX also seized phone calls. I now receive harassing emails from Halsted financial services XXXX. XXXX XXXX XXXX, IL XXXX about every 4 days which they say they were outsourced by XXXX XXXX XXXX to collect on their debts. XXXX XXXX XXXX is utilizing many tactics to collect on a debt that they cant prove the validity of by submitting an original contract with my signature on it, documents showing the amount that was owed and the terms to which I agreed to pay. I have never done business with XXXX XXXX XXXX or Halsted financial services. I have explained to every creditor that has touched this fraudulent account that this is not my account and instead of doing their due diligence they keep attempting to collect on the old inaccurate debt and ruining my life by reporting incorrect information to the bureaus. I have been denied school funding, job offers and mortgage loans due to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The pass XXXX years we have been dealing with the Lies we have been getting from Ocwen Loan Servicing, we Know are Bill of rights have been continually been violated! we have been sent a Loan Modifcation documents in the mail, and given instructions how to proceed with them .Then when we have filled out and faxed these loan doccuments as requested, Then when you are working whith them! Then Foreclosuer Action happen! So we never got a notice just at the the time we wher calling Ocwen tell us about sale date ,XX/XX/2015if you can please Help us? 
Thank you in advance, XXXX and XXXX XXXX XXXX, XXXXTo : Ocwen Loan ServicingFrom : XXXX and XXXX XXXXRe : Modification Loan Documents* * * * * * * * * * * * *Dear Sir or Madam : The attached documents are being sent via regular and certified mail to insure receipt of these vital documents. 
We feel our legal rights have continually been violated. We have been sent Loan Modification documents in the mail, and given instructions how to proceed with them. Then when we have filled out and faxed these loan documents as requested, and they are strangely not received. Then, while you are working with us to procure our modification, foreclosure action is being taken against us at the same time while in the middle of this loan modification process. This is highly unfair in reference to real estate law bill of rights. 
Please be assured that we would like to be given the opportunity to continue in the Modification process. We feel we can be successful in fulfilling a new loan contract. Please review our documents and allow XXXX days to complete without the threat of losing our home, according to the Stimulus Program that President Obama brought forward to save our home. 
Please give us your consideration, and we look forward to hearing from you as soon as possible since this is now time sensitive. 
Thank you in advance, XXXX and XXXX XXXXOriginal Sent Via CERTIFIED MAIL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 around XXXX, I lost my home due to a house fire, and have been displaced from my home ever since. I finally received a check addressed to both my mortgage company and I, and I sent the check in the amount of {$310000.00} to my mortgage company, XXXX XXXX XXXX located in XXXX XXXX XXXX, Utah on XXXX by certified mail. This check was to be used to pay off the remaining balance of my mortgage from the home that burned down, and the mortgage company was supposed to send the rest of the funds back to me ( after paying off mortgage ) to go towards rebuilding my new home. 

After mailing the check, I contacted the company several times to make sure they had received the check, only to find out they could not locate the check, so I had to request a duplicate check from my insurance company. After receiving the duplicate check from my insurance company, I once again mailed the check in the amount of {$310000.00} to the mortgage company using a preaddressed XXXX enveloped addressed to XXXX XXXX XXXX, the claims department, and received confirmation the check was received on XXXX. 

I was told by the mortgage company they had to investigate and verify that the funds were good and that process was completed on XXXX. Funds were verified and remained in a secure escrow account. I was also told that it would take about 3-5 days to payoff the mortgage and to call back on XXXX to verify the mortgage was paid off. When I contacted the company on XXXX, I was then told they did not have a date when the mortgage would be paid off. Meanwhile, I am still displaced and being forced to pay for a mortgage out of pocket that should be paid off since XXXX, as well rebuilding my home out of pocket. Because the mortgage company lost the first check irresponsibly in XXXX, it has extended the process longer and has made it very difficult financially as I am trying to rebuild my new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a mortgage loan with ocwen loan servicing llc, we sold the house and pay off the loan at the closing day XXXX XXXX 2015, the same time, we paid all our property taxes, but ( 1 ), ocwen loan llc still withdraw our monthly payment from our bank, after we made several calls, they wired the payment back to our bank but costed us {$30.00} wire fee ( we asked to send us a check ), we asked them to respond for the {$30.00} wire fee, they have not respond yet. ( 2 ), after we payoff our loan, there are {$2700.00} in our escrow account, but ocwen only return us {$330.00}, short {$2400.00}, ocwen said the {$2400.00} paid to XXXX county taxes, but on the closing day, we already paid full taxes, and the closing day is not the day they pay any taxes, now they own us {$2400.00}, we made many many calls, they still do not return our money, and we already called our county tax department, they have not received this payment and will not take it, please help us to get our escrow money {$2400.00} back, every time we call, they say they are working on it for us keep waiting, the escalation officer XXXX never answer our call and return our voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion ( TU ) does not have my XXXX account XXXX listed in my credit report or history. This issue has been going on for over a year. My XXXX has proven to me that they have sent the proper documentation to TU. TU evades and comes up with excuse, many unfounded. It appears to me that TU is trying to coerce my XXXX into a contract. The last discussion I had with TU the representative said my XXXX would have to get in touch with the local TU Marketing agent to correct my account yet he would not provide a name or phone number! 
My account is otherwise correct and shows another XXXX account I have with another bank. If I can not get this issue resolved I am going to see if the NM XXXX or the NM XXXX will take it up. 
TU is subjecting me to higher insurance fees because TU is not properly showing my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to my credit report it has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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:
Please remove All Authorize user accounts off my credit and the address that is attached to it these are not my accounts. It has been over 70 days when I reported this information I would like it removed or I will have to file for litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for XXXX refinance loans via internet from a company called Cardinal Financial. They called me, checked my credit, which is in the top 1 %, indicated they would freeze the rates if if I paid for the appraisals that day, which I did. The appraisals were completed XX/XX/XXXX, with both properties being appraised with over {$500000.00} in equity. The process bogged down for nearly XXXX months from what they indicated was a work overload for their underwriters. 

In addition to the equity in the properties, I have no debt other than the mortgages and related insurances, XXXX years of credit history, {$54000.00} in annual rental income, {$26000.00} in social security, {$400000.00} in liquid cash in the bank and annual business income of {$100000.00}. Finally, this month they declined both loans as my not meeting debt to income ratios, which is impossible and refuse to refund the appraisal costs. 

I believe the real issue is that I am XXXX years old and they lost the price freeze on the loans due to their own incapability of processing. 

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: M&T BANK CORPORATION
State: DE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
2 years ago I went into a payment program when the house was going into foreclosure. I was not able to get the final payment in and was 3 days late they would not accept it till you called. It almost went into foreclosure again last winter but was able to pull out of it. They never disclosed to me there would be evaluation fees involved so two years later I receive a bill for {$470.00}. This is clear extortion of the customer and they will not waive the fees they never told me about. This bank has a history of this behavior and it needs to stop. We are current on this account and for the first time in a long time we are financially sound but can not afford for the bank to continually charging fees that we were never told about. This financial institution needs to be fine heavily and continuously and this will stop. please contact me for further details at XXXX. I want these fees waived and they need to be held accountable because this is more than ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to my credit report it has been well over 30 days and I haven't received any investigation results

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 2021-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to my credit report it has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation