BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-04
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Regarding Complaint Number XXXX. Involving XXXX  ( XXXX   ), Fay Servicing LLC and XXXX. This case was closed but without receiving all documents requested. My initial request was for a complete history of my account with a start date of the year XX/XX/XXXX which is the start date of the loan with XXXX and an end date of XX/XX/XXXX. I received about half of that information. The dates that were sent to me had a start date of XX/XX/XXXX to present. Where is the history of my account from the year XX/XX/XXXX through XX/XX/XXXX? This is very important to a court case I an involved in regarding a mortgage foreclosure. This is information I have requested directly from the parties involved as well as through the CFPB. While the CFPB were helpful in obtaining years XX/XX/XXXX to present, the additional documents for XX/XX/XXXX to XX/XX/XXXX remain to be unavailable. To completely close this case all remaining documents must be submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a retired military veteran and WAS a happy, loyal USAA member for more than 10 years. On XX/XX/XXXX, I got a text message from USAA that my credit card limit had been increased. That was great news because I use credit quite frequently needed a little more cushion. Unfortunately, when we tried to use the card later that day, it declined. I called the bank to find out why and they said rudely " What credit card? We don't show one on file. '' After several frantic phone calls, we finally discovered someone at USAA closed my account. This wasn't just a precautionary security lock ... ..it was force CLOSED. I demanded to know why, but no one had the answer. One guy from the credit card department said it looked like someone in the security department made a mistake and would be reprimanded. I was mad to say the least. As a military guy, a bunch of my friends and family work or bank with USAA so I posted on social media about the situation. Soon after, I received a message in my inbox from XXXX XXXX that my account was closed due to " unacceptable behavior ''. I found out later from an insider they were taking screenshots of my conversations on social media. This leads me to believe XXXX XXXX may have abused his power at the bank to punish me for complaining publicly. 

A few days later, I got a call from a bank employee who said she represents the CEO, XXXX XXXX. Apparently the executive board made a " business decision '' to close my account and they were in the process of closing my mother 's, brother 's, cousin 's and spouse 's accounts. She also said they are not going to tell me the real reason why because by law they don't have to and they have no record of the conversation I had with the credit card guy about them making a security mistake. It felt like a total abuse of power. I have reason to believe XXXX XXXX improperly used his position at the bank to influence this " business decision ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Credit Management Control, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I seen this company on my credit report CredMgmtCntl and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX my loan acct # XXXX from PHH Mortgagor Services at XXXX XXXX XXXX XXXX XXXX   NJ XXXX  Tel XXXX  ) I paid in the amount {$2500.00} for last few year now. XXXX demanded me to pay in the amount {$4000.00} which was an increase 27 % because mortgage company wanted me to pay off my balance before maturity date XX/XX/2035. I was offered from my mortgage co I will pay in the amount {$3200.00} each month and r.emain balance I will pay off on maturity. I can not afford the demand from mortgage co According on the agreement on section 5 if borrower still owns any amount under note ... the borrow will repay these amount in full by that date -- XX/XX/2035 ) Mortgage try to forcing me to short sell my house ( I never late payment ). 
Please help me to get afford payment and with reason amount and according per agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am getting bills and letters and now on my credit report from XXXX XXXX XXXX and CAPIO PARTNERS LLC. This collectors are apparently for XXXX XXXX. This who the debt was with. These 3 accounts were paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX XXXX veteran of the US XXXX XXXX I have been XXXX XXXX XXXX ever since XXXX of 2012. A XXXX XXXX XXXX  veteran in the state of Texas does not have to pay property tax But My mortgage company ( prime lending ) Insists on making me pay property tax which is something that I am not required to pay they said that they have pay the property tax for me ever since 2012 until now they have added this amount to the amount that I still owe for the property XXXX XXXX XXXX, XXXX TX XXXX Also They have said that they have had to pay for my home owners insurance claiming that I have never head homeowners insurance this is not true I have always head home owners insurance every year since I have been here they have added at least {$20000.00} or more to the amount the old causing me to go into default on my home mortgage loan I have had to file bankruptcy several times I have taken this complaint to several agencies looking for a way out some sort of help. At this time I am in need of help with this issue because they are robbing people this is something that they on the XXXX is for I have done a lot of XXXX  on the Internet and I complaints and issues about this company I only wish that i did more at the time when I was looking for and mortgage company. Please any help that you can give would be greatly appreciated thank you and have a blessed day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
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 seen this company on my credit report Portfolio Recov Assoc and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by a PayPal seller. They claimed to be selling tickets to a concert. When I paid for the tickets, they blocked me from contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
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:
I believe that I have a merged file. Furthermore, I can not access my credit report via online or phone because the verification process is asking me to verify accounts that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
o Payments are not posted or frequently not posted in a timely manner. Examples : Payment for XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX ; XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX ; XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX, XX/XX/XXXX post marked XX/XX/XXXX was not deposited and had not cleared XXXX by XX/XX/XXXX. 
Billing statement dated XX/XX/XXXX with due date XX/XX/XXXX indicated {$4000.00} due. 
Late fees were added on the billing statement dated XX/XX/XXXX with due date of XX/XX/XXXX. 

o Sent a Compliant letter dated XXXX XX/XX/XXXX. Rec 'd a response & printout. Payments posted on the printout do not commensurate with billing statements received. Some months had multiple payments posted. Multiple payments were not made. 

o Receives multiple monthly billing statements : Example : billing statements dated XX/XX/XXXX with payment due XX/XX/XXXX ; XX/XX/XXXX with payment due XX/XX/XXXX ; XX/XX/XXXX with payment due XX/XX/XXXX ; and XX/XX/XXXX with payment due XX/XX/XXXX. 

o Ditech Mortgage sent a representative to my home on two different occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: JPMORGAN CHASE & CO.
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:
Paid off credit card from Chase in XX/XX/2020 and till haven't reported that the charged off account has been paid and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: XOOM CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2021 I received an email from Xoom XXXX informing me of a transaction to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX United States XXXX There amount taken out of my account is {$800.00}. This was never authorized by me and I do not know the company or recipient. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was contacted XX/XX/XXXX about a debt that was from a Payday loan from XX/XX/XXXX. I have never used a Payday loan, they contacted me and told me it was reported on my credit, checked my credit on XXXX XXXX and it was on there, said I owed {$1300.00}, but they would settle for {$540.00} or if I didn't they would presue this even more I hung up, and started researching this company and XXXX XXXX   the payday loan company they say I used, it is a scam, and now my credit has dropped and they won't quit calling and harrassing me. My husband and I are building a house and this has really messed my credit up and it is not my debt and I won't it taking off my credit and I want them to stop calling me, please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Comenity Bank keeps calling the phone throughout the day to attempt to collect someone's debt. No one that lives here has debt. They have never said who the debt was for, the amount, or tried any other forms of contact. The first apparent caller id ping was on XX/XX/2021. Many of these calls hang up on the answering machine. These calls are also spoofing numbers. Not 100 % sure if it's the actual company at this point. Consistently calls throughout the day and hangs up without providing info and sounds like a scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18
Company: Selene Finance LP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 we applied for a loan modification with Selene Finance. The document stated that all documents needed to be in by XX/XX/2019. A complete package was in on XX/XX/2019 and was sent to underwriting. On XX/XX/2019 loan modification was denied because a down payment of {$15000.00} was needed. We appealed and on XX/XX/2019 Selene Finance called and said it was approved but no letter would be sent out until the {$15.00}, XXXX was paid. Selene Finance sent a foreclosure letter on XX/XX/2019 and the sale was XX/XX/2019. The sale was postponed until XX/XX/2019. We were in Chapter XXXX and the case was dismissed on XX/XX/2019. The attorney for the buyer of the property wrote a letter stating that the sale was XX/XX/2019. The borrower was given a breach letter on XX/XX/2019 for {$82000.00} and changed the amount to {$110000.00} on the date of the sale. They charged {$24000.00} in interest for 10 days. 
An appeal was filed within the 14 days allowed for a bankruptcy appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
KIMBALL TIREY ST JOHN, account number XXXX XXXX have wrongfully placed a collection account on my XXXX XXXX XXXX XXXX  credit bureau files.I am not legally or in any way responsible for this debt.KIMBALL ... is collecting for XXXX XXXX apartments. 
I am familiar with this company because I signed a 2 year lease which was in XXXX to help my newly divorced daughter get started.Many subsequent leases were signed by my daughter at this location and that is the nature of this collection from XXXX. 
I am only legally obligated on the original 2 year lease which ended approximately 10 years ago.All real estate contracts must be in writing and I never signed any lease subsequent to the original two year lease.My credit is damaged by this error or fraud of the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX gave my personal medical information to I C SYSTEM COLLECTIONS for a bill. I C System gave XXXX ( and maybe others ) the medical facility name " XXXX XXXX XXXX '' and it publicly posted. It supposed to say something like " Medical/Physician '' that's it. Now other people/creditors/inquirers/family are seeing that I had a XXXX XXXX which made me see a XXXX. Furthermore, when spoke to IC system a few years ago the rep was told me exactly what the bill was for. The rep said the bill is for a visit due to a XXXX XXXX. I am just finding out that that was a HIPPA violation. No one is suppose to know my diagnoses/medical condition outside of myself and the Dr. office ( without my permission ). My medical information should not be exposed for all to see. I did not want my now husband to know I had XXXX issues and others. Now he knows and blames my health for past XXXX problems. I am furious. Which is another reason why I am filing.

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 2019-02-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After one year of attempting to resolve my escrow discrepancy with my Mortgage Company it is finally official they are incorrect on their calculations and managing my account correctly. As of today I have received XXXX tax form information from them and all three were different, plus the escrow amount did not equal my escrow end of year analysis. How can so many dollar amounts be off is unclear to me. This truly shows this company needs to be dealt with.

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 2020-05-08
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received information that my loan has been sold to Wells Fargo. When trying to log in online, it is requiring me to consent to a Online Access Agreement. A number of things in this agreement do not make sense and i am trying o get clarity on what they mean. I have called the number on the document and they keep placing me on hold after i talked with three representatives on XX/XX/2020.

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 2020-06-24
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I am the court-appointed Trustee of the XXXX XXXX XXXX XXXX. The Trust owns a single family residence located at XXXX XXXX XXXX, XXXX, CA XXXX. There is a XXXX mortgage on the property serviced by LoanCare in the amount of {$130000.00}. The loan number is XXXX. 

The Trustor, XXXX XXXX, died in XX/XX/XXXX. LoanCare has had all of my information for many months, and it has been sending monthly mortgage statements to my office, and I have been paying all amounts due during that course of time. I have attempted on numerous occasions over the past week to obtain a payoff statement on the account, because the property is set to close on XX/XX/XXXX. I have provided a copy of the Trustor 's Death Certificate, as well as a copy of the Court Order appointing me as Trustee of the Trust. Despite these efforts, LoanCare refuses to provide me with a payoff statement. I have advised LoanCare that there is a chance escrow will fall through if they do not provide me with a payoff statement. 

Please help. 

Sincerely, 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 explanation
Consumer complaint received 2018-06-05
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My husband and I originally ordered a gas range and a dishwasher, but we discovered that we only needed a dishwasher. We have talked to the orders and contract department, in the store over the phone. They claimed that they adjusted the bill, which originally was XXXX ( page 6 ). They deducted the {$640.00} ( page 9 ), but they kept a remaining balance of {$450.00}. They should have created a new order receipt. 

They installed the new dishwasher and charged me for it and for the installation, which was {$480.00}. I have the receipt where it shows that only a dishwasher was delivered, so my bill should not have this overage amount.

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 2020-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX I was contacted by a company called XXXX XXXX that I owe a debt of over {$6000.00} for a credit card that originated with Bank of America. I explained to them that I have never applied for nor have I ever had a card with Bank of America. They explained to me that they understand then a few days after I received a letter from a lawyer that he is trying to collect on this debt and he has a judgement against me for the approx. {$6000.00} and he was going to start garnishing my wages. I called several lawyers for assistance but most did not want to take the case because of the judgement which I did not understand. They stated they got a judgment against me back in XXXX for a credit card that they said I received in XXXX. I migrated to the US in XXXX so I could not understand why they would think on my arrival in the country Bank of America would just decide to give me a credit card. 
Anyway, I finally found a lawyer to represent me in court to stop the garnishment but unfortunately the lawyer I had did nothing to help me in court and I ended up trying to defend myself in court because to my dismay the Judge who presided was not interested in what I had to say as I had a " judgement '' against me. That is when I realized how serious this really is and there is no way out but to pay. She gave me a reprieve and had the lawyer return all my funds to me but interest would continue to accrue on the outstanding amount until my daughter attained the age of XXXX. My daughter is now XXXX and the lawyer has resurfaced to collect the now over {$10000.00}.

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 explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$270.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$350.00} XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX {$40000.00}

Company response to consumer: Closed with explanation