BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made my XXXX mortgage payment of {$2200.00} to Freedom Mortgage online through their payment website. This is a brand new mortgage and this was my first payment to them. These funds were deducted from my XXXX checking account on XXXX XXXX. However, upon checking my mortgage account online I saw that It was still showing XXXX payment as not paid and I was not credited for the payment. I called Freedom Mortgage customer service on XX/XX/XXXX and was told that they reversed the payment for unknown reasons. I was further told that my funds would be returned to my checking account within 2 days and at that point I just needed to submit the payment to them again. 
The funds were never returned. I called Freedom again on XX/XX/XXXX and this time spoke with XXXX. He told me that somehow part of my payment had been placed separately into my escrow account and that he had put in a request for that money be credited for XXXX payment. He told me my account would be credited by XX/XX/XXXX. This never occurred. 
Since then I have made 6 more calls to their customer service department. Each time, I get a new rep who promises that the payment will be credited and it never is. Ive also emailed them twice without a reply. My biggest concern is that this payment is reported to the credit bureau as late even though it was paid on time

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 2023-05-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS is in violation of the terms of my mortgage contract. 

-They are misappropriating my monthly mortgage payments ( principal and interest ) to gain more interest payment vs. my entitled principal amount, based on calculated interest and amortization. Collectively has added to XXXX  of dollars since XXXX. 

-They are in violation of miscalculating my yearly interest rate as per the Federal reserve board `XXXX constant 1 year maturity, '' as per the terms stated in my contract. 

-Upon contacting them they state that they will have an answer in " 30 days, '' it has now been months. They continue to erroneously and fraudulently apply my mortgage payment benefiting them each month in the XXXX  of dollars, as of XX/XX/XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Incorrectly estimating escrow. 

The Bank of America back office starting XX/XX/2020 doubled my monthly escrow account.

The explanation provided was ambiguous.

Too mathematically did not add up.

There is a Class Action Lawsuit out of North Carolina filed regarding Bank of America back office incentives to employees in handling these escrow accounts.

Somebody needs to look into how And why Bank of America is maNipulating the numbers in these escrow accounts.

If taxes and insurance did not increase significantly theres no rational reason for a monthly escrow to double.

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 2018-04-03
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sometime in early XX/XX/2016 I was admitted to the hospital with an illness. I have very extensive healthcare coverage so I was not worried about it. About 8-10 months after that I started receiving calls from a restricted caller, trying to avoid scams I never answered. After repeated calls over the next month I finally answered and the caller stated I owed a debt to their collection agency. I asked for more information as well as an itemized bill to be sent to my residence. Even now a year and a half later I have received absolutely nothing in writing or by letter. They continued to call me over the next few months and I repeatedly asked for more information and an itemized bill. The caller assured me one has been sent to my address and verified my current address. I stated that I had not received anyone and asked for another to be sent. This exact exchanged happened a few times but I have yet to receive anything. Eventually the calls stopped so I assumed it to be fraudulent and forgot about it. Then just a week or so ago I see a huge hit to my credit score from this agency, this leads me here today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I called the XXXX XXXX One Main Financial to f

ind out what the balance of my loan was. I was told {$5100.00}. This check cleared my bank on XX/XX/2020. One Main w as getting automatic payments on a biweekly basis in the amount of {$91.00}. 
On XX/XX/XXXX, I contacted my bank and told them not to release anymore payments to

One Main Financial. I received a call from One Main Financia
l on XX/XX/XXXX telling me they wanted to retract the paid in full bill ; and for me to pay the additional amount of money in the amount of XXXX On XX/XX/XXXX a bill was produced amount of {$180.00}. 
On Thursday XX/XX/XXXX ( the date I received the bill ) I called the branch to find out why I received this bill. I was first told it was because the pay off amount was returned from my bank, which was untrue. Then I was told it was because the {$180.00} was due prior to the balance being paid, it should have been included in the payoff amount but was not. The bill that was produced on XXXX XXXX it says the amount must be paid by XX/XX/XXXX. I called and sent an email to the corporate offices, and was told I would have to resolve it with the XXXX XXXX branch. 
On XX/XX/XXXX I received another bill dated XX/XX/XXXX. This bill shows the payment amount of {$510000.00}. It also shows a late fee of {$91.00}. This could not be possible because the payments were automatically deducted from my account. 
On this bill it also has an amount adjustment of {$91.00} stating it was applied to the balance. This bill shows the total balance I owe as {$3400.00}. 
I do have documentation of the paid in full receipt, the bills, and the date the {$5100.00} was paid from my bank. 
On XX/XX/XXXX I gave the person I was talking to for payoff my debit card number, as I was paying off the loan from a different account then they had on file. Because of the amount my bank would not let the debit card be used. On this same phone call I gave my account number and routing number for the checking account to be used. The approval from the bank was given at that time. 
I am very concerned about this not being resolved and having a negative effect on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11
Company: Genesis FS Card Services, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received an email from who I thought was Milestone Mastercard ( whom Ive had a card with before ) and it was for an offer of {$700.00} credit limit so I applied with personal info. After applying I realized the website was redirected to two other sketchy websites and after inspecting the original email closer, I realized the email was indeed fraudulent. So now I am worried about my social security number being used for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a garnishment notice from my employer for an auto purchase debt that is nearly 10 years old ( approx ). This garnishment notice is attached. 

This debt is a time-barred debt and debt recovery is in violation of he California Rosenthal Fair Debt Collections Practice Act. 

It is well over the 4 year statute of limitations and judgement was files in a county I do not live nor have ever lived and is also not in a county where the debt was originated. 

I received no summons and did not know I was being sued for a debt that is this old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent CERTIFIED letters out over 60 days ago and have yet to receive a notification. As a consumer I feel like these people dont care and are taking advantage of me. Also, THIS IS ME THIS IS ME THIS IS ME!! DO NOT SEND ME A VAGUE STANDARD RESPONSE!!!

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/2023 I sent out a dispute letter to Transunion disputing multiple items that I had discovered on my credit report to be inaccurate. I have yet to receive any form of communication from the credit bureau that an investigation has been opened per my request to reinvestigate these items in question. Under Federal Law, the credit bureau has 30 days to complete this investigation which they have failed to do so.

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 2020-01-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding reported the same debt twice at {$630.00} when this amount was disputed the amounts changed. I have requested sufficient back up as to what this account is and all that happened was the amount was changed. The company refuses to tell me what the original debt was

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: MoneyLion Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 unauthorized charges on my account were made ( {$800.00} worth ). MoneyLion was notified within minutes due to my alerts on my account. I was told charges were pending and could not dispute. I had to go through my own cancellation of my card. It is now XX/XX/2020. There have been 17 calls made with multiple agents making up things on the phone. Called today and the agent didn't see my dispute until after almost a 10-minute hold. I still have multiple charges pending that have been then there for almost 30 days. 

They send dispute forms through SMS but want you to email it back to them. I had to email them 3x before they finally " got '' the dispute forms. Agents say it takes 20 business days to add a dispute credit. All that on top of them not allowing you to transfer money out of your own account. I have never had a banking experience this unsavory in my entire life. I just want my money back so I can move on to someone who cares about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: SYNCHRONY FINANCIAL
State: UT
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:
SYNC/Care credit is reporting inaccurate information on my credit file. These erroneous lates on my credit report, when it should be on my parents Care credit account. XXXX XXXX & XXXX XXXX. The XXXX put my parents bill on the wrong care credit account. My parents are co-signed with me on one account, but they also have their own, which is the one that the XXXX  needed to use. The XXXX made this mistake. I have not used this card and should not have any lates on mine. This needs to be fixed immediately. 
I had filed a dispute previously not knowing this until I started investigating this 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 monetary relief
Consumer complaint received 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX XXXX XXXX XXXX XXXX Credit Card has been hacked dozens of times since the major data breech. The card has been replaced several times with an enormous amount of time on the phone with them contesting fraudulent charges and an erroneously late charge. 

I've cancelled the account in desperation, even though I'd prefer to remain a XXXX XXXX XXXX member. Enough is enough. The late fee is {$27.00} and they refused today XX/XX/21 to remove it from my bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23
Company: GREAT LAKES
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I started taking out loans to pay for my XXXX in XX/XX/XXXX. At the time, I was a XXXX XXXX XXXX. It wasn't until a friend told me about the XXXX Loan Forgiveness in spring XX/XX/XXXX that I knew that I even qualified for forgiveness. On XX/XX/XXXX, Great Lakes acknowledged receipt of my XXXX loan forgiveness application. While I received a {$5000.00} forgiveness payment on XX/XX/XXXX ( and am awaiting word on the other {$12000.00} ), I was never told by my loan company about either the XXXX Loan Forgiveness Program or the Public Service Loan Forgiveness Program. I can not even begin to calculate how much money I could have saved ( including thousands in interest ) if I had know about this program earlier. Now, I am having such a difficult time paying for the loan, that I need to go into forbearance for months at a time ( since XX/XX/XXXX ) due to the high payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello. This is in regards to XXXX XXXX XXXX charges from Citibank that were charged on my card every single month since the year XX/XX/XXXX without my permission. I never enrolled in this program and did not authorize these charges. They have been robbing me every single month from XXXX. My request for a refund has been denied by their Executive Response Unit member by the name of XXXX XXXX. They are claiming that I enrolled in this program during a telephone call back in XX/XX/XXXX which absolutely false. I contacted XXXX XXXX several times to request proof of this telephone call of my enrollment, leaving him several messages ... .still to this day did not receive a callback from Citibank XXXX They are refusing to refund my money and will not cooperate in any way. 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 explanation
Consumer complaint received 2019-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I sent in my ftc report and contacted the bank about accounts that I did not authorize that were open in my name. The credit bureaus have yet to remove those accounts. I want these accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I learned recently about the TEPSLF opportunity looking at the news. So I started researching this program and found out that it was temporary. This lead me to research the Public Service Loan Forgiveness ( PSLF ) program. After doing much research, I saw that in order to qualify for this  program I had to be in an income-based repayment plan. I've taken a forbearnace for the last 3 years. Every year I called, the XXXX XXXX representatives NEVER informed me that instead of taking a forbearance that I actually could of entered into an income drive repayment plan and get a much lower monthly payment that would've been counted as a qualifying payment under the PSLF program. I am still having financial hardship and I have no other options as I have now exhausted my forbearance and I have no choice but to pay a very high monthly payment! I felt that the representatives I spoke to over the years did not have enough knowledge about repayment options and lack training. This really saddens me as now I can't go back in time and I'm stuck due to XXXX XXXX incompetent staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom may concern I am emailing you today because I received a check in the mail for {$10.00} in regards to the XXXX XXXX XXXX lawsuit that was settled. I am not happy with this settlement I have been put through XXXX these past 5 years trying to find a home because I was forced out of my home and was caused pain and suffering and also went through a financial disaster I have been struggling ever since because of XXXX XXXX XXXX. 

I'm also very mad because I just found out about this lawsuit with this check I received. I want to know why did it take so long for you guys to contact me that there was a lawsuit against XXXX XXXX XXXX XXXX. I Want more then {$10.00}. I want my life back. I want to file a lawsuit and get allot from these people who put me and family thru XXXX. I was harassed every day 20 times a day. I was told that if I did not pay I was going to jail they were going to have me arrested when I told them I couldn't pay and said I needed to move out in 10 days or I was going to have my possessions garnished. So we were rushed out and they continued charge me mortgage and fees after months of being kicked out. Please help me get my family 's life back. 

More then welcome to email me back or call me anytime. 
XXXX XXXX XXXX ( husband ) XXXX Thank you ' Sincerely, XXXX XXXX & XXXX 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 2023-03-24
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, has violated my right. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report XX/XX/XXXX and I found 4 inquires that was unauthorized .I file dispute three time about then and I have not heard back from bureau about inquires. 

1.XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/18 ... I'm running low on funds.. Trying to apply for payday loan, states my bank is blocking my financial records, have called and to no avail

Company response to consumer: Closed with explanation