BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-25
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I received a solicitation from my mortgage company Ocwen Loan Servicing stating that our mortgage may qualify to remove the PMI from the monthly payment. We 've had the mortgage for 10 years never late and our house to date has appreciate from XXXX to over XXXX assessed value based on the comps on the block and area. We were very excited to lower our mortgage payment by removing the PMI. We wrote Ocwen back and agreed to remove the PMI. We received a letter stating to process the application we would need to submit payment of {$100.00}. We thought that was odd, but thought if would be a minimal investment. A few weeks later they sent a XXXX lady out to take pictures of our home. We received a letter from Ocwen about a month later stating that we would need to submit a principal amount to equal to 80 % of the value. They never sent any numbers or explanation. We were confused that after 10 years our home did not appreciate to the standard when we knew we purchased the home in XX/XX/2007 at a competitive price. We called Ocwen, they gave us no answers and shifted us around from person to person. We asked the XXXX what the numbers, she could not give us any numbers. We requested a written explanation where she said she does know if she could do that. This is when we feel, this is a deliberate alternate stream of income to Ocwen taking advantage of their customers. A few weeks later we received a letter saying our house is only worth {$140000.00} and we would have to submit over {$34000.00} in principal to get the PMI dropped. I smell a rat. Van you please investigate. Ocwen has not responded to BBB nor the Florida State Attorney General about this concern. 

Assessed Values of properties in the XXXX, XXXX, Virginia XXXX XXXX ( Residential ) XXXX XXXX ( XXXX ) XXXX Said property- Assessed value @ XXXX will expire this year after 10 year historic tax exemption. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best & Be Well, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Wallace Management Company, LLC
State: MO
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:
Empire Financial Lending of XXXX Missouri They sent me false advertisement a post card that said they will lend money adding their {$50.00} dollars just to earn my business They had XXXX thrown me under the bus to lowered my credit score and ruined my motivations to invest

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: IQOR US INC
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
my debt was paid off in 1976 through a payroll deduction through the XXXX XXXX paymaster. I have been harassed by numerous collection agencies, over the past 40 years. I dont know where they get their information or why this debt collection persists. When I ask them for details of this debt, or to prove to me that I owe the debt, they respond by saying, " prove to us that you do not owe the debt. '' I refer to my XXXX XXXX pay records, and I dont hear from them until they pass the debt to another collection agency. Then is starts all over again

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am filing a case against XXXX. They are a debt collector that I have had been having several problems with. They are currently reporting to the credit bureau that I owe them a balance. Every few months, they errenously report a change in the balance ( usually by {$1.00} or more ) which also negatively shows on my report. 

I have also written them several letters asking them to verify the debt ( which they have failed to respond to ). 

Companies have 30 days in which to verify the debt ( which they ignored ). They have also failed to report it accurately ( the amount changes and the fact that the initial debt isnt mine ). 

They have 2 accounts, form XXXX funding and they need to cease collections and clear the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Honda financial Services report my auto loan as being written off. That is not accurate, I have contacted them many times and they have failed to remove the negative reporting off my credit file. Their representative was not happy with me so he place my he gave me wrong information which made my loan late and then he entered my loan as being written off even when I paid the loan in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: IL
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:
I found a fraud account on my credit, I contacted the credit company immediately. I requested a investigation several times but everytime has came back as nothing. I contacted the company that had done the fraud loan to do a investigation. It has been a year and this fraud account is still on my credit

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 2016-06-13
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Last year, I opened a Citigold checking account under promotion XXXX. This promotion grants XXXX bonus points for opening the account and spending {$1000.00} in debit purchases within 60 days and complete a bill pay in two consecutive months. I fulfilled these requirements. 
On XX/XX/XXXX, after not getting the promised points, I contacted Citi and they confirmed that I enrolled and fulfilled the requirements. They stated that I would receive the bonus miles within 90 days ( which would have been XX/XX/XXXX ). 
I still did not receive the points, so I contacted Citi again XX/XX/XXXX, and they said that they would launch an investigation, and that I would receive an e-mail confirmation of the investigation no later than XX/XX/XXXX. I never received that confirmation. 
So the issue is that I did not receive the XXXX bonus miles promised to me.

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 2020-12-18
Company: T.S. Holdings
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: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, IQ DATA INTERNATIONAL IN add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I.Q. DATA INTERNATIO has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-21
Company: Kenneth, Eisen & Associates, Ltd.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I use to have XXXX, I cancelled them because I sold my house and moved to where they do n't offer service. I returned all my equipment to XXXX store and was told to wait for my final bill to reflect the equipment being returned. I never received any final bill, I even had mail forwarding on. A month later I received a letter from a collections agency named Kenneth, Eisen & Associates, Ltd. I contacted them and told them that I had not received my final bill and the guy said it was sent over to them. I asked him if it would go on my credit and he stated since I paid it immediately in full that it will not go on my credit. Here its years later and its affecting my buying my house.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Medical Data Systems recently reported a collection to my credit report and I would like Debt Validation

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 2015-09-22
Company: National Credit Adjusters, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call from National Credit Adjusters from a " spoof '' phone number after XXXX. Receive numerous calls a day from spoofed numbers attempting to collect an unknown debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt. 
If you look on XXXX it shows account closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Shermeta Law Group, PLLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I get close to paying debt off they take it to court tack on another 2000 in fees I will never get this paid off at this rate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I noticed this inquiry on my XXXX credit report, I called this Barclays Bank they could n't find anything, the customer service representative told me it will be removed. I got my up to date credit report from XXXX it 's still on it. I then sent a certified letter and they responded with a letter saying that they received a on line credit application for some type of credit I 'm not sure of what type of credit. They 're just telling me they verified the information on the application. I do n't know this bank/ company never applied for no type of credit on XXXX/XXXX/16. I 've been a victim of identity theft and that 's why I requested my credit reports from all XXXX agencies. This isnt me they wo n't show me anything showing they verified this and it belongs to me.

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: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is my second complaint. I opened a loan with XXXX college XX/XX/XXXX. The notation on their trade line on my files is : " First payment never received ''. This means my first delinquency date was XX/XX/XXXX. I never rewrote this loan, made a payment on this loan or did anything on this loan. 
XXXX reported it as a collection after receiving no payment XX/XX/XXXX. ( That notation is on the paperwork attached ). Of course the delinquency date was still XX/XX/XXXX since NO PAYMENT WAS EVER MADE. To illegally manipulate the bureau 's obsolescence programs and VIOLATE FEDERAL LAW they changed it back to 180 days late in XX/XX/XXXX. Apparently so that this stays on my credit file for the rest of my life. 
I filed a complaint and all Experian did was tell CFPB that they sent the dispute to XXXX and XXXX verified it was correct. ARE YOU KIDDING ME? THIS IS SIMPLE MATH PEOPLE. NO PAYMENT SINCE XX/XX/XXXX ... changed to collection and then back to 180 days late. DO I HAVE TO SUE Experian TO GET THEM TO OBEY THE LAW? 
Please pay attention to the historical payment detail attached and force Experian to obey the law. 
You folks really should publish this one. I understand this manipulation of account status is the number one way companies keep things on people 's credit reports for the rest of their lives.

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 2017-01-20
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
this debt collector of RS Clerk and associates of phone number XXXX had somehow threaten me by perhaps contacting my apartment complex as the third party to stop my XXXX housing assistant. the landlord will not give specific probable cause. because I was not in violation of my XXXX. this XXXX accountant of address XXXX, XXXX , Texas XXXX, phone number XXXX of XXXX I must paid {$850.00} left that i could not paid monthly of {$50.00} anymore. just because the XXXX accountant could not wait every month anymore. the debt collector will not accepted a lower amount of {$30.00} or {$40.00} a month. I do work part time and had problems getting my Social Security XXXX benefits started again and other bills had to paid. but perhaps to contact my apartment complex third party to stop the XXXX should have no civil right of this debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Selene Finance LP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
About XX/XX/XXXX, my loan was " sold '' to Selene Finance by XXXX XXXX XXXX. At the time I began working with Selene to obtain a needed modification as I was unemployed and then return to work making less than before. Selene offered me a forbearance agreement that would result in a loan mod. The terms were a six-month trial payment plan which I agreed to along with their requirement for me to make my first payment via money order and the rest by ATF draft. The ATF draft form was sent to me along with the agreement package, pre-filled with my name, address, draft amount, etc. All I had to do was fill in my bank information, sign it and send it back with the other papers. Selene received the package and cashed the money order, but never started drafting the money out of my account. When they finally contacted me about my payments, they claimed the ATF form was not received. Then after further conversations and me submitting a copy of the signed form, they admitted that the form was in my file, however, the form was invalid because based on my particular agreement I never should have received an ATF form in the first place. I asked how was I supposed to know that since they sent me the form pre-filled. I argued I should n't be penalized for something that clearly was not my mistake, but to Selene it did n't matter and that I was now in default of the agreement. I sought help through a mortgage counselor who witnessed the difficulty and inconsistency in Selene 's communications. The counselor referred me on to an attorney. My only goal was to have Selene honor the original agreement as I feel they had no right to put me in default over their mismanagement. Now in XX/XX/XXXX, after all the attorneys and the back and forth, Selene offered me another forbearance agreement that was clearly a set-up for failure. The terms are vague with no guarantee of resolution to a modified mortgage. If I had signed, it would have been a no-win situation. I would have been at the mercy of Selene and still with the threat of foreclosure over my head which they made very clear was still on the table. So after several years of fighting this, this is where I am with seemingly very little recourse. Lastly, I learned through all this that Selene is a mortgage servicer. Another entity actually owns my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We obtained an FHA mortgage in XXXX 2009 with XXXX XXXX. Shortly thereafter within the same year XXXX XXXX was shut down by the Federal govt. Our mortgage was shipped to XXXX in Virginia. We ran into numerous problems that they did not provide to us ( i.e., original Title policy charged in orig. mortgage, asking us to pay {$10.00} a document when we submitted a QWR asking for the Assignment of Note from XXXX XXXX & discrepancies in Settlement charges ). From 2009 until present, XXXX has given us a plethora of Assignments - XXXX, XXXX, XXXX, XXXX. Approx a yr ago, we received notice form Selene Financing informing us that they would be servicing the Loan. After some months, they informed us that they were the Lender, even though they did n't identify themselves as such when sending us correspondence. They were acting as servicers for XXXX. We asked who sold them the Loan and if they would send us a copy of the Assignment. They told us XXXX sold them the Note, and Selene mailed us a copy of the recorded Note with the FHA #, LoanCare 's acct #, and the MIN # blackened out. What I ca n't fathom is how could XXXX sell the Note/Assignment when they have NO Assignment from XXXX XXXX?! I 've asked XXXX on several occasions to produce the Title policy included in the original mortgage but their response was " We have nothing to do with the origination of the loan. '' I 'm sure Selene will give us the same response. Does this mean XXXX, Selene and whomever comes along out of these tranches can lay claim to the property and not explain the services & charges that were not performed in the origination of the loan? We would like a resolution but we are so very hesitant to deal with these entities.

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

Complaint:
My attempts to modify my mortgage failed due to not enough income. Due to death of a child and then loss of income & medical issues as well as divorce the household income was no longer the same or enough to qualify for the loan modification. I moved fwd with list & advertising my home for short sale. There have been multiple offers on my home but they have been declined by the bank twice. I have done everything the bank has asked of me. According to my attorney the bank negotiator the bank has indicated it would be " better for them to foreclose than to do a short sale ''. This is NOT fair. I am a now single mother, just getting back from medical leave just doing my best to survive with my remaining XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have been uploading documents for a loan modification we believe we have a complete package and have been calling and leaving messages to our assigned representative without a response. I also sent documentation to authorize a 3rd party and they do n't seem to be able to locate my documents I have uploaded all of my documents time and time again and I am not getting anywhere I think they rather foreclose on my home they are delaying the process and being unresponsive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Ascendium Education Group
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been evicted twice and stayed at two homeless shelters since my yearly income tax returns have been taken by the US Department of Education and XXXX XXXX XXXX, and Ascendium. I have lost multiple jobs, and have even been unemployed since XXXX of this year. I am not able to make payments due to severe financial difficulties, but XXXX XXXX XXXX and Ascendium have repeatedly refused to help my financial situation. Their abusive collection patterns have forced me into poverty multiple times in the last 4 years since the Department of Education, XXXX XXXX, and Ascendium participated in stealing my tax returns. Now they are sending me threats. I can not pay the balance owed, I can barely afford food to eat and the medicine I am prescribed. I have also been adversely affected by the COVID-19 pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation