BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I received a piece of rental property in my divorce settlement. However, the mortgage still had my ex-wife 's name on it which I needed to remove. I applied with Bank of America to assume the loan myself in an effort to get my ex-wife 's name removed. Bank of America denied my loan assumption based on the following factors : ( 1 ) Serious delinquencyand public record or collection filed ... this is true ... I did have a home foreclosed on back in XX/XX/XXXX ... I was under impression based on what I have read that major credit events like this come off your record for credit consideration after 7 years ( 2 ) proportion of credit balances to credit limits was too high ... at time of application, and now, I was using ~14 % of credit available to me ( 3 ) proportion of loan balances to loan amount too high ... I have never missed a payment on any current loans, including the Bank of America loan ... nots sure how I can do more than pay as I am obligated to pay, which I have done ( 4 ) too many inquiries into my credit ... no inquiries have been for negative reasons ... only to obtain information for companies I was considering potential of borrowing from, including the application to assume this loan. My credit score on XXXX report was XXXX and on the other than Bank of America pulled it was XXXX. I make $ XXXX plus per year in earnings and have no debt other the mortgage payment for my personal residence, the mortgage payment for the rental home loan I was trying to assume, a small unsecured loan with XXXX and the revolving credit I have out there ... in total less than {$2500.00} per month and I have the rental home leased through XX/XX/XXXX at {$550.00} per month. I do n't believe I received a fair review or outcome on the assumption application. I believe Bank of America is trying to bully me into applying for a new mortgage which I do not want to do. I do not believe Bank of America acted in good faith to review all information available to them to make the decision as to whether I was worthy and able to assume the loan.. I have worked extremely hard to get my credit back in good condition after the foreclosure, which was a result of my divorce, and know that I am more than worthy to assume this loan.

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 2015-10-22
Company: Colony Brands, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
seventh avenue at XXXX XXXX XXXX XXXX wi XXXX first off this is not my debt and also it has been put on my credit report. I called the company and several laws were broken due to FDCPA, the rep did not verify who they were speaking with, disclosed a debt that did n't belong to me also there was no call discourse done which are clear violations of the law. this company has put this on my credit report in 2007 for a XXXX debt. I have advised them it was not me and I am DEMANDING the trade line on my credit report is removed or I will be pursuing for laws that have been broken by there management staff and I would suspect it would cost a lot more than XXXX when I hand over the recording. also I would suggest that the owner or COO or board of directors contact me due to the fact that over XXXX and a law suit that would coast much more would probably not be acceptable, also I will be going to the news, social media about this situation. bottom line REMOVE THE TRADE LINE FROM MY CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: United Student Aid (USA) Funds
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent letters via certified mail to XXXX and have yet to recieve a response. This company is reporting negative information about me, yet refuses to respond. I have incurred XXXX in actual damages since their company has reported derragatory information about me and refuses to respond. 

Why must I spend so many countless hours trying to correct this companies mistakes? Please do not contact me by phone, please communicate by mail only ( XXXX ) Additionally, both companies are double reporting on my Credit Report!!!

Company response to consumer: Closed
Consumer complaint received 2015-08-08
Company: United Student Aid (USA) Funds
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid in full since XXXX 2012. There is a zero balance for this paid collection. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: PLAZA HOME MORTGAGE, INC.
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job on XXXX/XXXX/16. On XXXX/XXXX/16 I submitted an application with mountain of documents via email to the loss mitigation department. Since, I 've repeatedly received requests to email the same documents. Each time I email them, I call to confirm receipt and I 'm told they have XXXX days to review the documents. After the XXXX days elapse I get another email stating they need the same documentation. I sent an email asking for my representative to phone me and she has not. Today I also sent an email with a link to a dropbox folder than contains all of the documentation they 've requested. No response. I started the process in XX/XX/XXXX knowing that it would take some time. I knew that I would not be able to make my XX/XX/XXXX payment. At this rate, I will not get the deferral approved before my payment is due which could affect credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
In XXXX 2016 I turned in a leased car for a new lease.Acura Financial Services XXXX XXXX XXXX, Pa XXXX billed me for twelve months Massachusetts excise tax on the old car, and I unwittingly paid though I am only liable for one month

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-16
Company: IQOR US INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For several years now I have been getting collection calls for XXXX XXXX. I have repeatedly told the collection firms that I am not XXXX XXXX and to stop calling. The calls stop for awhile and then start up again. I have had calls for XXXX XXXX as well. 

The current firm has called me and now sent me a letter which I have attached. I am tired of playing this game with these folks.

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 2015-10-07
Company: STATE FARM BANK, FSB
State: WV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
State Farm Bank and XXXX XXXX office failed to verify the identity of an applicant which resulted in a loan being applied for, approved, funded, and reported to my credit bureau. State Farm Bank failed to abide by truth in lending regulations, fair credit reporting act, and the patriot act. State Farm Bank and XXXX XXXX office was NEGLIGENT in failing to follow and committed fraud when they allowed the present applicant to sign that all information was correct and had been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We received XXXX collection calls from CBHV, but we have no overdue debt. I told CBHV that I was not XXXX XXXX, the person they say they wanted ; I was assigned this # only a XXXX ago.They said they had already taken us off their calling list, but called again ( XXXX time ) an hour later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-25
Company: Pinnacle Credit Services, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX, I contacted via letter disputes XXXX XXXX and Pinnacle Credit Services in response XXXX derogatory marks on my credit reports ( XXXX, XXXX and XXXX ) from XXXX XXXX. The problem is I 've only had cellular service through XXXX since XX/XX/XXXX ( for the past XXXX years ) and I 've never had accounts or service through XXXX XXXX. I 've spent the last XXXX months attempting to dispute these debts because they do n't belong to me and I discovered today that the credit reporting companies can only report the information they get from debtors -- no matter if that information is inaccurate or fraudulent. Pinnacle has been reported to the XXXX due to their fraudulent activity, mainly purchasing debts then assigning them away to ANYONE. And because they pay the credit reporting companies money to report any information they provide without having to show proof of debt to the reporting agencies, they can and will attribute any debt to anyone. This is exactly what Pinnacle has done to me. Furthermore, after sending dispute letters to XXXX XXXX, the company has not reached out to me or the debt collection agencies to let them know the debts are fraudulent. I want this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: HW Holding, Inc
State: TX
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:
a dept. was put on my credit report by XXXX XXXX apartments in XXXX TX and then given to a collection company for collection and they put it on my credit report, I paid it so it did n't hurt my credit have written them to ask for proof it was mine they said then did n't have to give it to me it would just stay on my credit I also wrote all collection companies they said I needed to contact collection company no one wants to prove what THE SAY AND XXXX XXXX APARTMENT SOLD SO A DEAD END THERE I am XXXX years my home is paid for I have never lived in XXXX tx or signed for anyone there. can you help me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX I downloaded my credit report. On the report I noticed a collections account with the name American Adjustment Bureau dated XX/XX/XXXX in the amount of {$110.00}. On XX/XX/XXXX I called the company for explanation of what this amount was for. I was told they could contact the hospital and get back to me. On XX/XX/XXXX I called again and was told they did not hear from the hospital but that I owed the money. Again I requested a statement for the details. On XX/XX/XXXX I mailed a letter formally requesting the validation of the debt with the details as to the services provided. As of XX/XX/XXXX I have never heard a response to either my phone calls or letter. If the debt is real I want a statement so that I can follow up with the insurance company as to why the bill is unpaid or pay with my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX I received an email from a " XXXX XXXX '' whom works for The XXXX XXXX XXXX XXXX. The email was to alert me that an affordable apartment unit was available for my tribe if we would like to apply for the unit. The available unit would allow my tribe to only pay only 30 % of our income in rental fees monthly. I submitted my response by email and informed XXXX XXXX that we were interesting and would like the applications to began the process. XXXX I received an email from XXXX XXXX and it contained the rental applications and guidelines. We immediately completed the applications and sent them in an email to XXXX XXXX. XXXX XXXX had informed me that she was not the onsite XXXX, however she would forward the rental applications to the onsite XXXX a " XXXX XXXX '' and that would be our person of contact moving forward. Starting XXXX through XXXX I submitted several copies of the completed rental applications, Check stub copies, landlord verification copies and all other pertinent documents when attempting to rent an apartment. In the process of attempting to have our rental applications processed we were met with several delays, XXXX XXXX stated that we ( our tribe ) owed a debt to The XXXX XXXX XXXX XXXX. XXXX I submitted a request for assistance to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I explained the difficulties that we were encountering with XXXX XXXX and asked if we would be able to submit our credit check fees to a different onsite XXXX for The XXXX XXXX XXXX XXXX as we did not think XXXX XXXX would complete the application process and simply take our {$60.00}. On XXXX I received an email from a " XXXX XXXX '' whom also works for The XXXX XXXX XXXX XXXX and she informed me that she would process our applications for the unit. XXXX a " XXXX XXXX '' sends me an email stating that she also works for The XXXX XXXX XXXX XXXX and she will now be processing our rental applications. XXXX I receive an email from " XXXX XXXX XXXX '', partner of Law offices of Kimball, Tirey, & St. John LLP and in the email XXXX states that we have an unpaid balance that is owed to The XXXX XXXX XXXX XXXX and according to the records that a " XXXX XXXX '' obtained the information for the years XXXX and XXXX. Due to this erroneous information being reported and shared without our prior knowledge or consent we were denied the apartment according to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing this on behalf of a very good friend that lost his Spouse 3 yrs ago. after she passed he could not afford the house payment that he has lived in for over 27 yrs. I helped in to work with the original lender but in the middle of the loan modification process they sold the loan to Ocwen Mortgage. We filed all teh loan modification documents with them and we had an offical Loan mod trial period as long as we made the payments for 6 months we woudl be clear for the loan mod. here we are 2 yrs later and the loan mod is still pending, Teh owner is still getting foreclosure letters but when i call and talk with the file manager they keep telling me to just keep paying the loan mode payment as they keep checking to find out why the loan modification isnt going thru. after a yr so far of doing this. ITS STILL UNRESOLVED XXXX/XXXX/2015. the stress it is creating for the owner an dmyslef for helping him stay in his home like I pormised him I will try to do a dn as far as we were told he was when I talked to Ocwen about the loan modification we are doing everythign they have asked us to do. but he is still getting certified mail saying that he needs to pay the rears or they will foreclose. All we want is it to be final at the payment they agreed to and move on with life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am Looking to file a formal complaint against Ocwen bank. All documents requested by Ocwen were submitted several times with conformation of acceptance. They have been using several stalling tactics with both payments ( Public Adjuster Fees / Rebuild monies ). 
They continue to give different answers and lie with every phone call made. The final inspection has been preformed and completed successfully at this date. Now again, they are asking for further documents that had been sent several times in order to issue payment for both the Public Adjuster / Contractor and homeowner. We are now left with no where else to go besides making a formal complaint against Ocwen. The repairs have been completed for XXXX month without any disbursement. As a consumer I would stay far away from this company, considering my current situation and stories I have heard about how they treat their customers.

Company response to consumer: Closed
Consumer complaint received 2016-01-19
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX , XXXX, an alleged debt collector, submitted a notice to me that Ocwen Loan Servicing , LLC is a creditor, and they are alleging that I owe them {$120000.00}. We have disputed this fraudulent debt on XX/XX/XXXX because Ocwen Loan Servicing , LLC is committing fraud, submitting fraudulent claims and pretending to be a bank, mortgage lender plus Ocwen Loan Servicing , LLC but acting as a bank, mortgage and finance company. Furthermore, I also requested that XXXX XXXX XXXX, XXXX XXXX The Mississippi State Bar Codes for all their employees in Mississippi because they utilized these same illegal tactics to try to foreclose on my property on XX/XX/XXXX, although they were aware that Ocwen Loan Servicing , LLC or any other entity do not have ownership of my mortgage nor the note. The fraudulent mortgage note was eventually extinguished in my United States XXXX Federal Court Bankruptcy hearing on XX/XX/XXXX which Ocwen Loan Servicing , LLC failed to appear. Allegedly, XXXX XXXX XXXX, XXXX and Ocwen Servicing, LLC, and others are involved and implicating themselves in a housing ponzi scheme plus The RICO act needs to be implemented. This information is also on record at The United State Bankruptcy Court for the XXXX District of Mississippi ( XXXX Divisional Office ).

Company response to consumer: Closed
Consumer complaint received 2017-02-03
Company: First Associates Loan Servicing LLC
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was experiencing financial hardship two years ago, due to being unable to secure employment, when I tried explaining this over the phone several times to the Agency ( PEAKS ), they kept threatening my credit and telling me I had to pay it in full, or they would send it to collections. Since I was n't employed at the time ( with no Government assistance, Unemployment, or assistance from family ), I could n't make the payments, and they sent my debt to collections. To this day, I 've been trying to work with them, but every time we set something up, they destroy my credit as if I have n't made any payments at all. On top of this, every time I have called, they keep requesting I pay it in full which is impossible, due to my current situation. I 've requested the recordings of the calls a few years ago, but they will not assist me any further aside from destroying my credit. Now I 'm currently unable to secure any sort of funding for anything. ( car, house, etc ) but yet have to pay {$14000.00}. I was unable to repay my loan, decrease my monthly payments at the time, or any sort of assistance from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN Mortgage company is refusing to address an over-charge for wrongly calculated escrow of taxes and insurance. We have NEVER missed a payment but they are applying our payments to some sort of holding account and not giving us credit for prompt payment. Please help us obtain the address of their registered agent in New Jersey, so we can file a small-claims lawsuit and get this resolved. The problem has been festering for 6 long months. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/XXXX at XXXX, I spoke with XXXX at Ocwen Servicing. We post dated a payment for XXXX/XXXX/XXXX in the amount of {$530.00} plus a {$19.00} fee. The confirmation # is XXXX. When I checked my bank balance this morning, XXXX/XXXX/XXXX ; both items have been subtracted from my checking account. At the cost of {$36.00} per item for overdraft fee, this is going to once again cost me several hundred dollars for the additional items I used my debit card over the weekend. The first time this happened in XXXX, XXXX, I swore I would not do it again. That is the reason my mortgage loan got in the shape it was in ( past due ). We set a repayment plan to help me get current. THIS IS MY HOME!! I want to keep it. Ocwen makes it hard for me to do that. I am going to the XXXX website at XXXX and request they somehow transfer my loan to another Servicing Company. I am tired of being afraid of losing my home.

Company response to consumer: Closed with explanation