BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: M&T BANK CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
M & T Mortgage Account ( through XXXX XXXX XXXX XXXX M & T Bank started collecting a property tax escrow, in error, for my parcel number and an unrelated parcel number starting XXXX and, despite several days of phone calls over the last XXXX months trying to rectify the situation, M & T Bank continues to claim the error is being worked on and refuses to correct the substantially higher monthly mortgage payment required which is now 3 days in arrears. M & T Bank also refuses provide their council information or an employee contact for my attorney. 

M & T Bank 's escrow error was noticed after receiving an M & T Escrow Update Letter in the mail XXXX. M & T Bank was contacted shortly after reviewing the actual tax amount on the XXXX XXXX XXXX XXXX XXXX website and after a further review of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have on file. 

My annual taxes are currently {$2000.00} per year for my parcel # My annual insurance is {$1000.00} per year for my parcel # The first PITI payments for mortgage starting XXXX ( before recent escrow adjustment ) were {$3100.00}. The actual mortgage payment due XXXX, with correct escrow adjustment is {$3100.00}, an increase of {$15.00} per month. 

M & T Bank has raised the mortgage payment to {$3300.00}, which includes taxes for a parcel number I am not responsible for, an increase of {$280.00} per month. 

I've been passed around from XXXX department to the next and to no avail, M & T Bank is not fixing the problem and I'm not only at risk of going into default but ruining my credit if the inflated payment is not made to M & T Bank. 

This is extortion and reason for contacting the Consumer Financial Protection Bureau. 

Please help.

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 monetary relief
Consumer complaint received 2021-03-08
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My former fiance ' and I refinanced with another company as of XX/XX/2020. Due to domestic issues, we can not have any contact with each other per current civil court proceedings. A check regarding escrow was issued XXXX 2020. As we can not have any contact and as we never had a joint bank account, the check can not be cashed by either party. I requested the check be reissued to the county for its intended purpose, which is to pay taxes on property. There has been no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to be added to the lawsuit against Wells Fargo. I have since paid off the loan but I had extensive problems with them over charges, late fees they kept tacking on, dates payment was due that kept changing forcing me into owing late fees month after month I continually fought with their customer service over charges they kept adding to my account. 
I personally felt like I was a victim of extortion. 
My account with them : XXXX XXXX XXXX XXXX XXXX XXXX, WA. XXXX XXXX Acct # : XXXX XXXX XXXX XXXX

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 monetary relief
Consumer complaint received 2019-07-25
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 my wallet was stolen out of my purse at my workplace. I didn't recognize until hours after and as soon as I saw it missing I called Chase Bank to freeze my account. Then I told them which transactions were fraudulent and reported a claim with them early the next day ( the banks were closed by the time I found my wallet missing ). It's been a week and I haven't heard about the status of the claim or the funds so I called Chase this morning. To my dismay, the representative said that my claims have been denied because the person who withdrew the money had my PIN. I am not sure how the person would've gotten my PIN but I can still prove the charges are not me. There is video surveillance of the person taking my wallet, photos of them at another store, and video of them withdrawing the money. The withdrawals totaled {$4700.00}. This person is clearly not me, but I'm finding Chase to be very difficult to work with to find another way of proving these transactions were NOT authorized by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-23
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was disputed and asked to be validated by collection agency. On XX/XX/18 a letter was mailed to my address stating the dispute investigation was completed and that the debt was valid. They attached which was suppose to be verification of the debt. It turned out to be only a bill owed in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
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: Account status incorrect

Complaint:
The Bank of America # XXXX listed on my credit report is reporting inaccurately. 

This item has been re-aged. According to the FCRA this item is to be removed by XX/XX/XXXX. See attached print screen of my XXXX report dated XX/XX/XXXX. However on my XXXX  it has been re-aged and now lists with recent 120 day lates on XX/XX/XXXX and XX/XX/XXXX. Attached is also a current print screen of my XXXX report dated XX/XX/XXXX. I've also included a previous XXXX  report that does not show any recent lates.

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 2023-12-17
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is reporting on my credit report as a collection and has caused my credit score to drop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
NELNETs website is down every single month for days and wont let me submit a payment. Then they charge me a late fee when I wasnt late to submit a payment I was on time the website just doesnt me submit a payment and then it goes overdue. This happens every month and when I try to call them via phone their hold time is 3 hours long. They have no live chat support option and it is impossible to have someone at nelnet help you. Ive also had someone at nelnet hang up the phone on me after a 3 hour wait time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked them repeatedly for an original letter from the creditor that shows the amount they " purchased " also if they are also even able to collect debt in my state. I received only letters from their company showing my payments options to them. they acknowledge I ask for verification letters in XXXX of XXXX and every month since they have called and still only receive letters telling me my options for paying my debt through them ( I havnt had this card for 6 or so years ). Still can not receive original credit statement. Am told ( by belittling me ) that they have sent them out. Portfolio Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent letters to all three credit reporting to have investigate the in accurate information being report. 

on all three reports XXXX Auto is reporting that I paid as agreed from XXXX  XX/XX/2019 but, in XXXX it reports I was XXXX days late and in XXXX and XX/XX/2019 the vehicle was XXXX. This information is inaccurate and should not be reported on my credit. 

The are also reporting this as a charge off but, stating I owe a pass due amount of {$9300.00}

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 2023-12-17
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
First, I have two extra loans that I have never gotten an answer for, as I never applied for them. I only was supposed to have 2 loans, and now I have 4 with all different interest rates. Second, I applied for the SAVE program to lower my monthly payments for student loans in XXXX. Originally, the amount was close to {$400.00} a month for a loan that was not very big. The SAVE option was supposed to lower that amount so that I could feasibly afford it each month. Ive gotten several messages about delays in processing my application, even after providing tax and employer information. The application is processing but my monthly payment is still {$380.00} by XXXX XXXX, 2023. I was informed of this amount on XX/XX/2023. I called Mohela to discuss this monthly amount, which I am UNABLE to afford. I was on hold for 2 1/2 hours before the line cut out. I called again after work and was on hold until I had to go to sleep 2 hours later. I have gotten no response from them about this. I am not able to pay the full amount for this loan, and should not be expected to until they have processed my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Kovo
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company was having a system issue. when I first signed up for them I saw no interest so I sent a email to cancel months down the line they keept charging my card with out my knowledge after several email the reached out and said unfortunately I stuck paying for this credit builder loan I reached out again because I notice that they gave me a late payment when I cleary wasnt late theyve havent done nothing to fix it they are reporting a balance from three months and keep giving me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Westlake Services, 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 information incorrect

Complaint:
Failed to acknowledge or return payment of XXXX that shows on credit report it was made and deducted but doesnt reflect on report from XX/XX/2022 and has different balance amounts. And is missing a lot of information from credit report and I would like to seek damages

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 2017-09-27
Company: Coastal Credit, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with the debt that i owe. This account was a joint account an was paid off years ago. These are the certified mail tracking numbers XXXX that was signed for by a coastal employee, along with numerous of other attempts to remove this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The other day, I got a collections record on my XXXX credit report for a debt I owe to CEDARS BUSINESS SERVICE for the XXXX XXXX XXXX XXXX. While I was a student there a long time ago I am no longer. I received a full ride for my education there, with the rest covered by student loans I already paid off. There should be no additional balances. 

I tried disputing it with XXXX, but the dispute got denied. However, I have received no additional documentation at all, by letter or otherwise. I am not interested in reaching out to them directly, as this would restart the statue of limitations ( even if it is for something I should not owe, nor is mine ). 

If they can not provide a WRITTEN SIGNATURE of me agreeing to pay whatever this balance would be for, I would request this be removed and these unfair debt collection practices cease at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX  Account # : XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U. S. C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-09
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I paid XXXX XXXX to dispute my negative items on my credit. XXXX gave me advice to report the last two negative items as fraudulent. I took every step with XXXX. They said this is the final step in order for those two negative items to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is an addition to Compliant XXXX. I received a call from MOHELA at XXXX XXXX XXXX on XX/XX/XXXX. They left a XXXX second message that ended after call back at XXXX. 
I logged into my account to contact them and found they are not counting payments made towards XXXX in XXXX. I was employed by the State of Kentucky and was not in school. I have called and messaged them and it still isn't fixed. The original call was in XX/XX/XXXX. All forms have been submitted. I graduated in XXXX and did not reneter school until XXXX. I need to be credited these payments. I also made payments during COVID after XXXX said they would count. 
I still have not received a payment for due date of XX/XX/XXXX. The system does not match what they say my payment is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I applied for full PSLF in XX/XX/XXXX as I successfully attained over 120 qualifying months on all of my student loans. On XX/XX/XXXX, I noticed that my form was processed, however my qualifying counts reduced from well over the required amount to XXXX on each loan. According to MOHELA 's site, all of my payments made from XXXX to XXXX were ineligible as they claim I was in forbearance at the time. I was not in forbearance but was in repayment for that entire time, and I regularly submitted documentation to update my payment counts, showing that I had qualified months due to my payments. I was with XXXX and then XXXX during that time, however my loans were transferred to MOHELA just last year. My loans should be now eligible for forgiveness as I followed all required criteria, however it seems that MOHELA is stating I still need several years of payments as they are not counting any of my previous payments that were already approved. I have a document showing that all of my loans were qualified on MOHELA 's site prior to this update that may be shared, if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: ALLY FINANCIAL INC.
State: IA
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:
On XX/XX/2021 the company XXXX ran a Hard Inquiry without my consent. I'm now attempting to resolve that issue.

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 2023-02-27
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We've been eligible to remove PMI on our mortgage since XXXX or XX/XX/XXXX. We made an original request to Specialized Loan Servicing LLC in XXXX and was told we would receive the required paperwork in the mail and the request would take XXXX weeks to process when returned. We never received the paperwork so we followed up on XX/XX/XXXX and was told that we can deliver signed documents over e-mail to proceed with the request. After doing so, there was no confirmation of receipt -- just radio silence. 

Upon finding PMI charges with our mortgage payment in XX/XX/XXXX, we followed up via e-mail and received no response. We then attempted calling customer service on XX/XX/XXXX who could not forward us to the appropriate department due to a 'system error ' but gave us a direct number and instructions to reach a live agent : ( XXXX ) XXXX. That number does not provide a ring tone ( only white noise ) so we were unable to get in contact with anybody at Specialized Loan Servicing who can help. At this point, we are out of communication options and are continuing to pay PMI despite multiple requests for cancellation.

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 2020-11-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Being over charged Requested copies of payment history from start up to present ; request has not been met Several payments have been made however monthly payment statement, reflects those payments have not been applied Forbearance was approved for suspended payments ( due to COVID ). I was told these payments would be put at the rear of the loan. However, each month actually accumulated. When I called to inquire I was given a totally different story ; their word against mine and all late payments had to be caught up at one time. Therefore I request the forbearance request be cancelled. There was never a cancellation letter provided or a status on this request. The loan is now current however this issue was never resolved. 
At the direction of my insurance agent, I requested to stop my escrow payment and explained I would pay through the insurance company direct. I have made the request as well as my agent more than once. Agent even informed payment arrangements have been made to automatically withdraw payments each month. Wells Fargo will not honor this request I have been assigned several agents that have consistently fail to provide explanations for their handling.

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