BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-13
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After a previous complaint on XX/XX/XXXX regarding the amount of time M & T Mortgage was taking to complete the foreclosure on my FHA-back property, the bank moved very quickly to convey the property back to HUD. I followed up with the FHA Resource Center on the status of the matter, and on XX/XX/XXXX, I received the attached communication confirming the conveyance of the property and that the insurance claim for the house was paid on XX/XX/XXXX. As you can also see, FHA is requesting additional information to support my request for a CAIVRS Suppression, because they are using the XX/XX/XXXX date to start the 3 year wait before I can qualify for another federally-backed mortgage ; not the actual foreclosure sale date of XX/XX/XXXX. 
I immediately contacted M & T Mortgage requesting a disposition of the account to include 1 ) the foreclosure sale date, 2 ) the date the property was conveyed back to HUD, 3 ) the date the insurance claim for the mortgage was paid to them, and 4 ) what, if any is their financial interest in the property or me as of the date of my call in an effort to add that to my request for a CAIVRS suppression. On XX/XX/XXXX, I received to attached communication from M & T saying they could not honor my request, and referred me to the XX/XX/XXXX document, also attached, but clearly no longer relevant in light of the recent actions on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
There was a representative from M & T Bank at the closing ; and I have been making mortgage payments to M & T Bank since I closed on the apartment. The HUD-1 ( see attachments XXXX & XXXX ) a copy of which was received from M & T Bank states that {$110000.00} was received as new loan from XXXX and {$7500.00} as XXXX XXXX also from XXXX. These amounts are also stating on other documents received from M & T Bank ( see attachments XXXX & XXXX ). Therefore the total that should have been received from XXXX is {$120000.00} ( {$110000.00} + {$7500.00} ). Instead XXXX provided XXXX checks totaling {$110000.00} ( {$59000.00} + {$58000.00} ). The seller was paid {$59000.00} and the Bank owning the current mortgage on the property was paid {$58000.00} ( see attachment XXXX ). These checks are also mentioned in the letter dated XXXX XXXX, 2016 from XXXX in which it stated that " we are also enclosing copies of the checks from XXXX, which were requested by and provided to your attorney '' ( see attachments XXXX & XXXX ). 

This means that there is a difference of {$8400.00} ( {$120000.00} - {$110000.00} ) before the payment of closing costs. Assuming an average closing costs of {$3000.00} for the purchase of a co-operative - this means XXXX is overstated by {$5400.00} ( {$8400.00} - {$3000.00} ). 

Another way to calculate the overstatement of my mortgage is to use the closing costs documented on the HUD-1 which XXXX stated is the final accounting for my mortgage. The total closing costs on the HUD-1 is {$6000.00}, so clearly there is already a difference of {$2300.00} ( {$8400.00} - {$6000.00} ). The total closing cost of {$6000.00} includes amounts that were never paid and {$2000.00} which was paid by another XXXX. There is a {$300.00} for review of recognition that was never paid and a {$1000.00} for settlement fee that have not been paid. My attorney stated that the {$1000.00} was a bank charge and it had nothing to do with him, however, in the letter dated XXXX XXXX, 2016 from XXXX, it is stated that the {$1000.00} is my closing attorney 's settlement fee and that it was made payable to my closing attorney. This is disturbing ; my attorney said he had nothing to do with this {$1000.00} and XXXX is telling me they paid it to my closing attorney. WHO SHOULD I BELIEVE? 

Therefore, adjusting the closing costs on the HUD-1 this indicates that XXXX mortgage is overstated by at least {$5700.00} [ {$8400.00} - ( {$6000.00} - {$2000.00} - {$300.00} - {$1000.00} ) ].

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This debt has been disputed from my report more than 3 times. It has now been purchased by LVNV Funding in which I DID NOT get any statement or documents to contact this agency before placing it on my credit report yet AGAIN. Thus is causing me so much stress and XXXX and must be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been forced to buy flood insurance even though I am not in a flood zone. This is forced place insurance. I have protested since I fisrt got the loan. I have written XXXX QWR letters to Chase that I am not in a flood zone and have sent the proof. This proof was provided to the lender at the closing when I first got this loan ten years ago. I have paid {$6000.00} for this insurance. I want it stopped. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Other financial service
Sub-product: Money order
Issue: Excessive fees

Complaint:
I purchased several money orders from Money Gram for which a " service fee '' was charged once the money order had not been cashed within XXXX year ; however this fee was not diclosed upon purchase of the money order it was only diclosed once I requested a reissuance of the original money order. Had the additional fee been diclosed I would have elected to purchase the money order from a competitor, specifically XXXX, in which this fee could have been avoided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen has notified me that my mortgage payment is going up due to a shortage in my impound account, HOWEVER, they will not tell me how the shortage occurred. They sent me ( twice ) a yearly statement that showed them starting with a shortage but what they collected versus what they paid would have left them with a nice reserve. I sent a Certified letter to XXXX XXXX, XXXX of XXXX and was completely ignored. What I pay each year is in excess of what they pay out ; they should be able to show me where they went wrong in creating this possible shortage. In phoning them, I have spoken to other XXXX where the contacts have no idea of why there is a shortage, they say someone will contact me ( they do n't ) and then say they will transfer me but disconnect me, all while I can barely understand them with their heavy accents. They continue to send me statements with the higher payments and with no reason or explanation. This is a HAMP loan and from the start has had a surplus in the Impound account ; WHAT HAPPENED TO IT???? I 've checked my taxes and insurance and I still have a surplus due to small increases in my payment when these changed. There condescending attitude is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CMRE IS IN POSSESSION OF MY MEDICAL RECORDS. I HAVE NEVER GIVEN THEM AUTHORIZATION TO SHARE MY INFORMATION ON A DEBT THAT WAS PAID THROUGH INSURANCE ON A MEDICAL DEBT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Around XX/XX/2022 my boss received several phone calls from Midland Credit Management on his personal cell phone. He told me they were asking to speak to me and then proceeded to give him a reference number to the collection account as well as the exact outstanding balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We were having financial issues, due to a XXXX, and asked our bank to look into a XXXX modification. We were turned down for a XXXX but qualified for a HAMP modification. The bank then sent us paperwork for the HAMP modification. Our payments had gone up by over {$400.00} a month so we told them we did n't want to do it. We tried to make a monthly payment and were forced to pay the higher payment listed on the modification even though we never signed anything. We were also forced into now having an escrow account even though we never had one before. We paid 3 payments of almost {$1700.00} a month. Our relationship manager assured us that after these three payments we would be up to date and everything would go back to the way it was. Long story short, they are now making up the payments as they go. They have not applied the large payments to the mortgage properly and are now saying we owe them over {$5000.00} and we are behind on our mortgage. We did n't sign anything and we are very unhappy with the treatment we are getting from our bank. We feel like they are forcing us out of our home that we built and they are causing us to lose our credit rating as well. We do n't know what to do to correct this problem. Every month when I try to make a payment the amount is different, there is no consistency to anything with this company. We have written, called, and gone online many times to try to resolve these issues to no avail. We feel as if we are just banging our heads against a wall. You can never talk to the same person twice, they all tell you different things, and they do n't get back to you when you write or call or email. We have been belittled, sworn at, and hung up on. This is not the way to solve issues with your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a XXXX XXXX XXXX XXXX dispute on credit report. This was ID theft. I sent bank and credit reporting company a copy of sworn statement. I sent this statement prior to this being posted to my report and it was still posted by bank. I should not be held responsible for something I did not do.

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 2017-01-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was a victim of identity theft, now I have inquiries on my report that I did n't authorize. I tried disputing them but the credit company is telling me to contact the company directly, the companies wo n't remove them saying it 's my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I moved out of XXXX XXXX XXXX XXXX, MO XXXX 2015 because I lost my job and was forced to move in with friends. During the same month I was told that I could buy out my lease, but only had 20 days to do so for about XXXX. I could n't come up with that amount of money that fast. By XXXX 2015 I started receiving collection notices via mail and phone by a bill collector named Hunter Warfield in Florida. They are trying to collect over {$8000.00} for moving out of the apartment before the end of the lease. I told the bill collector that I had agreed to buy out the lease with the apartment complex manager via emails and he did n't care. He told me to call the apartment complex and discuss that with them in which I did via emails. The apartment manager told me there was nothing that she could do since it was at the bill collectors office. Also, I asked her to let me have my apartment back and I would catch up the late rent but she said no. I had only been out of the apartment for a month and a half. Taking to the bill collector again I told him that I could prove the agreement for buying out the lease for {$2600.00} but he refused, said the emails could be altered. He said they want over {$8000.00}. and nothing less. I asked for an itemized bill in which I received XXXX letters. XXXX letter with no itemization on it just the {$8000.00}. amount. The second letter said all collection processes were going to stop until the debt could be verified. Now, this past week the bill collector started calling again demanding {$8000.00}. When I told him the amount was wrong, not within the laws of the state of Missouri, asked him not to call my cell phone anymore, he hung up on me. Today, my mother said Hunter Warfields office called my moms home phone asking for me which I found embarrassing because I had to explain why a bill collector was calling them. There number is listed in the white pages so I guess they are going around calling all my relatives.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The following is a simplified version of a very convoluted story : Fifth Third Bank purchased my mortgage from XXXX, a XXXX XXXX roughly in XXXX of XXXX. The management of my escrow account has been a nightmare. I changed my home owners insurance carrier from XXXX to XXXX effective XX/XX/XXXX, informed Fifth Third XXXX Department of this and asked them not to pay the XXXX account, but XXXX instead. I was assured by phone this would happen and not to worry about it. In spite of this assurance Fifth Third paid both policies duplicating my home owners coverage and raising my monthly payment from {$1300.00} to {$1700.00}. This was of course a hardship. I intervened, and after much work on my part received a refund from XXXX. In one of my many calls to Fifth Third XXXX Department I asked for an investigation and explanation of how and why this happened in spite of my best efforts to head it off. I never received my request. In another call the person insisted that the inadvertent payment never occurred! 
As a result, of Fifth Thirds mismanagement of my escrow account in XX/XX/XXXX I requested to manage it myself. To summarize, I ran into a buzz saw of confusing red tape and futile phone calls consuming hours of my time. Amid the confusing fog of many contradictory phone calls, irrelevant letters and emails sent to me by Fifth Third I have been told that I am meet the requirements to manage my own escrow. I have paper copies of all of this and can through documentation of this complaint if required. It is now XXXX and I still do not have control over my Escrow account despite being assured that I qualify. I have spent hours and hours in phone calls, writing letters and emails and get nothing but confusion and then silence for Fifth Third. I want to be released from this nightmare. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: APR or interest rate

Complaint:
I applied online for a Chase credit card on XXXX XXXX 's site because it was advertising low APR interest rates & 0 % for 15 months on transferred balances for individuals with good credit ( my Credit score is XXXX ). Within a few days I received letter informing me I was approved, however not all the account balances I requested transferred were granted because of the line of credit the CC Bank provided was n't high enough to cover the total amount so only XXXX of the XXXX accounts was totally transferred, leaving the second only partially transferred. If I was informed that my request could n't be granted I would have cancelled the application but they did n't offer this option. However In their letter, they stated I could request a high credit limit if I wanted the remaining balance transfer but they would need to pull another hard credit report request ( less then two weeks from their previous request ). I refused. Next the new credit card came attached to a typical form letter instructing how to activate the account and the disclosure statement describing how they used my credit score to determine both my ( risk ) Interest rate and line of credit amount. This where they posted my credit score they claimed I had with XXXX was XXXX contrary to what I have ( XXXX ) from XXXX seen through my account during the same period of time and company.. I contacted them requesting documentation proofing their claim of my credit score being XXXX. After four hours of being passed to XXXX different departments and talked to XXXX different people all claimed I needed to contact XXXX to straighten out this issue. I told them it was extremely unlikely that XXXX would be able to fix Chase 's errors. They as so refused to send me a copy of my credit report they claimed to have with XXXX on it. My opinion of the credit application process banks are perpetrating on consumers is predatory in nature do to the secrecy and concealment of the claimed facts by which they are manipulating the rules to favor higher rates and ensnares consumers into an agreement without knowing what the terms and conditions are until after they have made them and invoked the agreement before it could be reviewed. This leaves consumers without a fair remedy to cancel or refuse the approved application without further investment in ; time, costs, and costs to their credit score. We consumer need to have the right to refuse an offering if it does n't meet our needs before the agreement engagement, not after. This act, in itself, is a tactical form of predatory lending by the banks, is it not? 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is an entry on my credit report that states that I owe the Department of Veterans Affairs {$3100.00}. This account has been paid in full. I am submitting documentation that will show that not only has the account not been reported correctly for several months, but in fact that I no longer have a balance on this account. The entry from the VA needs to either be updated properly or deleted from my credit report. This account has been disputed several times and each time the Department of Veterans Affairs has verified the information as correct when each time payments had been made that reduced the balance. There had even been documentation submitted which proved the balance was incorrect. 

The attached documents are : Letter from the VA to my congressman verifying that the actual amount I owed at the time was {$1800.00} ; receipts from the VA that show a total amount paid of {$1800.00} and XXXX letters from the VA which show that the account is Paid in Full and that I should not send any additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I want to payoff this loan with the {$530000.00} paid to first XXXX and the {$70000.00} paid to XXXX or the {$140000.00} paid to XXXX and {$150000.00} paid to XXXX mortgage or the {$350000.00} to Indymac or the {$200000.00} to XXXX XXXX or {$70000.00} to XXXX ... ... I want an investigation. 
CFPB has my bank statements and multiple documents why they wo n't release a {$260000.00} I do n't owe and who and why are they paying discharged unsecured debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
The second number is XXXX XXXX XXXX sent letter to all creditors I am XXXX ca n't work its beign 2 years, also advised by phone early part of XXXX to cease and desist all calls to all numbers and relatives by mail only I have no income! Portfolio recovery broke the law FDCPA. They some how got my pre paid cell and my daughters home. Numbers under my name they continue to call herass. I have all phone records! I will seek legal action against company for breaking law. And the collectors not following my. Wishes mI am very ill unable to work living off XXXX and my boyfriendHelp. I wrote letters to the original creditors verbally told. Portfolio recovery cease and desist they continue today I got another call a lout XXXX pacific time and phone records can be providedI have no choice but to file legal action breaking the law

Company response to consumer: Closed with non-monetary relief