BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was transferred to another company and I was never notified. My mortgage payments were returned to my bank account, during XX/XX/XXXX- XX/XX/XXXX, and now my mortgage payments are in default. A company named XXXX XXXX XXXX XXXX is now threatening me, and stating that my house in going to be foreclosed unless I pay over {$17000.00}. As of today, XX/XX/XXXX, my mortgage payments are still deposited into the original mortgage loan account. XXXX XXXX XXXX XXXX notified me that my payments are being received under the original account number that I have been using for the past 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Selene Finance LP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification thru the hamp program, My current mortgage went from XXXX to {$1200.00}. Its still 46 % of my income. I did not receive any financial relief with the program that I applied for. I am also question the current interest rate that went from XXXX to 4.250 % The current marrket rate is 3.4 %. The servicer of my loan is not giving me any relieft what so ever regarding my current loan. I am need of help as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Solutions To Portfolios, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have received XXXX phone calls on my cell phone, all threatening to take me to court and garnish my wages. My relatives have received XXXX phone calls at their home stating that I am legally in trouble. My employer has received XXXX phone calls on his desk phone stating I am involved in a complaint and am legally liable if I do not call back. All of these phone calls have happened in a matter of XXXX business days. All phone calls have been from a XXXX XXXX, I have spoken to her XXXX time, in this conversation I asked her to send me documentation to verify that I owe this debt and XXXX XXXX 's response was that she would send me a letter after I paid the debt. I asked for their mailing address and she hung up on me. After this phone call XXXX XXXX started calling my relatives and employer, I also received a call from XXXX XXXX stating that I have a complaint filed against me, they seem to be from a company called STP Management. Further investigation on my part shows that their phone numbers XXXX and XXXX are associated with fraudulent shakedowns and illegal debt collecting practices. STP Management is listed as an F ranking on the XXXX and is currently being investigated by them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: PINNACLE RECOVERY, INC.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
PInnacle contacted in me in XXXX 2014 in regards to maintence fees with XXXX XXXX. I have been in dispute with XXXX since XXXX 2014. I sent Pinnacle a cease and desist notification to alert them they are pursuing a disputed account. I received another notice by Pinnacle in XXXX and responded in XXXX. I have always responded within the 30 day timeframe that was specified. Now we are in XXXX and I have yet another notice of collection for the same disputed account! XXXX is ignoring my dispute and PInnacle is ignoring my cease of communications!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23
Company: MIDFIRST BANK
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been paying extra on my mortgage and the principal balance does not go down any. I am not sure what is going on. It has not went down all year so far. Infact it has went up when I check it. I would like an audit down to see exactly what is going on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This complaint crosses over several issues : Communication tactics AND Threatening to take an illegal action : ( 1 ) this company threatened to take legal action without properly notifying us that such an action was in motion. They state that they would then " mail a copy '' of a judgment without notification that suit has been entered into court. They expressly state their intention to deny us our due process rights while providing misleading statements in the introduction that they are actually advising us of our rights pursuant to the Fair Debt Collection Practices Act. 
( 2 ) they have made frequent and repeated calls Improper contact and sharing of information ( 1 ) they have left personal information on an answering machine that was audible to a room of individuals, including our children, disclosing the possibility that we may have debt. The message states that they are about to divulge sensitive information so if the individuals listening are not " they provide our names here '' to hang up and then they proceed to divulge that personal information with no guarantee that the party on the other end is actually " they provide our names here, '' and in fact, in several instances they were not. We have numerous recordings and sworn evidence of this. 
Further, XXXX XXXX XXXX XXXX XXXX XXXX is a Trust and has not established an individual of ownership nor any other named individual of ownership, we have not acknowledged this debt as legitimate. 
This company has caused irreparable harm to our children, family and several friends having disclosed this sensitive information via recorded calls, leaving personally identifiable information and our names

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, my mortgage was acquired by Carrington Morrgage Services, XXXX, California, from XXXX Mortgages. Since the acquisition, I have had nothing but unanswered problems. Beginning XX/XX/XXXX, my escrow payment was raised from approximately XXXX per month : XXXX of which was/is PMI, to XXXX. Carrington explained that XXXX was to cover a projected escrow shortage and would only continue for 12 months. My home owners insurance was XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX. My tax was XXXX both years. I had no escrow shortage from the previous year ( XXXX-XXXX ). I requested an escrow analysis to explain how I could be XXXX short on my escrow when total payments from escrow for taxes, PMI, and insurance XX/XX/XXXX-XX/XX/XXXX would be XXXX and my escrow payin was XXXX ( a potential shortage of XXXX ). I received no answer and the woman was very rude. I have now paid XXXX to my escrow account from XX/XX/XXXX-present. Despite the 12 months time line, I am still paying the extra XXXX per month. My taxes, PMI, and insurance this year totaled XXXX. I have called XXXX times and requested a full escrow breakdown. I have yet to receive XXXX. I have absolutely no idea what my additional payments of XXXX have gone towards. In addition to this, Carrington has begun holding an overage payments I make towards principal. They hold it in an " unapploed funds account '' as a " suspense balance ''. Currently, I have XXXX in this account. I have been told they will only move those money if my account is current. Oddly, my account has been current, the funds have not been applied. I assume I am paying interest on my XXXX of principal balance. I exhausted with this company. My minimum payment rose from XXXX to XXXX, and XXXX per month raise is substantial for me as a single mother. I have paid almost XXXX to escrow this calendar year, all that has been paid out of my escrow is XXXX in PMI and insurance, yet my most recent statement shows an escrow balance of XXXX. How?!?! I can not get an answer. My XXXX requests for full escrow breakdown resulted in XXXX rude conversations with XXXX different reasons why I am paying almost XXXX per year to escrow and NO escrow breakdown. A year and a half in, I still have never gotten an escrow breakdown. Nor have I found out when and where my " suspense balance '' is applied. Please help, I beyond frustrated. I can not afford to continue paying XXXX per month on a loan of XXXX with a fixed 6.5 % rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had the loans through the department of education and had trouble getting them paid for a long time. They decided to transfer the loans to FedLoan without my knowledge. I did not receive any consultation or letters informing me of the change. So when I started receiving post and calls from FedLoan I originally thought I had been the victim of identity theft. Once I got a chance to actually talk with them I was able to get started paying on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: SUNTRUST BANKS, INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I had a checking account with Suntrust to cover my Suntrust mortgage account automatically. The amount of my mortgage was XXXX. I allocated extra {$12.00} to be applied to the mortgage to round out the payment to {$430.00} per month. 
The next year the mortgage reset and increased by XXXX a month. I never authorized an automatic payment of {$430.00}, but that is what Suntrust took out of my account. Over time, this {$0.00} led to a deficit {$6.00} and set off a series of overdraft fees ( {$72.00} per month ) for each month it was overdrawn. Never signed up for overdraft either -- if checking account did n't have enough money, transaction should have been rejected? 
After attempting to settle and bring account back to balance, the overdraft amount of {$230.00} did not post in time, leading to another {$180.00} in overdraft fines. Again, without Suntrust calling/texting me to inform me of overdraft. 
These fees all resulted from a transaction amount I never authorized.

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 2017-03-21
Company: Credit Karma, LLC
State: NC
Product: Other financial service
Sub-product: Credit repair
Issue: Disclosures

Complaint:
I have been locked out of my account with Credit Karma. I have contacted them several times, but I have been unable to get a reply within 30 days. It keeps sending me emails weekly with new updates, but they wo n't answer my request to unlock the account so that I done have access. I 've even gone to XXXX to try to send them a message, no response. Can somebody help 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 2016-08-20
Company: MIDFIRST BANK
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I never wanted Midland Mortgage, my mortgage was sold to them. I 've been stuck with their poor customer service for years. At the same time I 've had the same insurance carrier and renter for 15+ years. Every now and then I 'd get a warning letter and one would also be sent to my insurance company saying, 'It has been brought to Midland 's attention that my house is abandoned, or that they want to report that I have a renter. I 've had the same renter for over 15 years..that 's not a surprise. 
Then one day I received a call from Midland and the female service rep started asking me all sorts of personal questions ; I told her nothing has changed that should be reported to Midland but she persisted. Since I did n't want to continue with her I told her I was going to hang up, which I did. 
Within a few days I received a letter from Midland saying that since I did n't have insurance on my home, Midland was going to have another company insure my house for over $ XXXX+ for the year because I had let my insurance lapse. I immediately called Midland to say my insurance has been combined with and paid with my mortgage payment since I first signed for a mortgage, they could check their records. And I told Midland in a phone call that all this was probably due to me not wanting to answer their rude service rep 's questions and to please review the phone conversation if they taped it. I followed that call with one to my insurance carrier and they still had me insured. 
Instead of correcting their error, Midland continued to bill for this additional, higher premium insurance with my monthly mortgage payment. I called and sent proof of insurance in again and made Midland sign that they received the paperwork. When I 'd call to follow up, they said they did n't see any correspondence on file. So XXXX forced me to pay twice for insurance for a full year. This additional $ XXXX charge was broken down and added to my monthly bill. 
I called again and sent in paperwork to prove my house was insured and followed this with letters requesting help and documents to the Oklahoma State Attorney General, the Oklahoma XXXX and the Federal Trade Commission. Not one responded. And the extra charges built up with late fees if I could n't make the full payment on time. After one full year, Midland stopped overcharging me but they never corrected their mistake and never paid me back. I think it was all due to that one service rep who wanted me to answer a ton of personal questions and I refused. My mortgage is paid off now but in the decades I was stuck with Midland Mortgage they never once replied to a letter or correspondence I sent them.

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 2016-09-06
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a personal checking account with BBVA Compass bank located at XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, and when using my ATM card on a purchase one day, my card was charged overdraft fees after the ATM authorized transaction fees exceeding the available amount in my checking. I disputed the fees and received no help. When I attempted to close the account, the bank was uncooperative and hassled me by USPS to pay the fees putting the account in default status. I have read this article- XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I put my settlement check in to bank of america and not once did they tell me my account was closing and they refusing to give me any response and have been giving the run around for three weeks with different lies. I been tryning to be patience but they are refusing to give me all my money and ca n't not give a reason for why its taking so long. Im still waiting for my money to this dayXXXX

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 2016-09-17
Company: JPMORGAN CHASE & CO.
State: WY
Product: Credit card
Issue: APR or interest rate

Complaint:
Why is it that banks will offer Balance Transfers at 0 % interest but wo n't lower an existing interest rate? I 'll tell you why. The financial institutions in this country are out of control again, and I " WILL NOT '' bail them out again. I, like XXXX other Americans were so XXXX the last time, I may never get to retire. Do something about the financial institutions in this country before it 's to late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I called my finiancial insitution ( JP Mrgan Chase ) this morning to file a REg XXXX claim on a transaction that i made but cancelled the same day with the merchant. I attempted 3 times to cancel the transaction with the merchant and i was not successful so i called Chase to dispute the transaction. The first that i spoke to XXXX XXXX XXXX was very rude and was not willing to assist me. I mentioned to the rep that i made the purchase and decided i no longer wanted the transaction to go through and so i cancelled it within an hour of purchase. She told me that she couldnt help me and that since i made the transaction there was nothing she can do. I spoke to manager named XXXX and she was raising her voice, telling me that since i know it all that i should know that i cant file a claim. the merchant has more rights then me the customer. the manger did not want to file the claim for which my reg r rights were violated. I have the right to dispute transactions on my account with the bank. the manager told me that she cant break rules for me and that she has a family and bills to pay and couldnt risk her job, which i dont understand how i was asking her to break rules. Very bad customer service. I was on the phone for over an hour trying to file a claim and get my money returned to me. Asked the rep to file a claim and process a chargeback against the merchant since i cancelled with the merchant before the transaction even posted. No claim was filed. I told the Manager that i was going to contact my attonney and even said i would cancel my account of over 15 years she told me to do what i needed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
my bankruptcy was closed and filed XXXX and has been removed from all other credit bureaus expect equifax who is reporting it as active I would like to have it removed from that credit bureau as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MI
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:
I requested updated information for a paid balance in XXXX of XXXX to the XXXX of Michigan for {$2500.00}. I was trying to get my passport and the Information that was on file was incorrect. I have tried to dispute my XXXX payment that was reflecting in the system for over a year now. The information " Paid, was a collection account, insurance claim or government claim or was terminated for default ''. 

None of the information is correct. This account is from XXXX, that was 11 years ago. More than enough time to not even be reporting. The balance never went into a collection status. They don't have the company information because I paid directly to the original account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Mortgage was paid off in 2004 by XXXX XXXX XXXX as I refinanced the loan held by XXXX XXXX an affiliate of JP Morgan. XXXX is now out of business. Bof A shows that the money was sent on closing statement, however Chase Bank never released the lien. I have lost the sell of my property ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ). I was working with a title company, XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX XXXX have gotten no where with Chase. Chase acknowledges that they can not find any account on me or that I owe them any money. I lost the sale because the closing took too long due to Chase dragging their feet. HELP- IAM A XXXX, I NEED TO SELL THIS PROPERTY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a best XXXX XXXX card and it went into collection. in XX/XX/2015 I got a payment notice from them and said I was unemployed and could n't pay them any money because I was n't receiving any unemployment and my wife and I were barely getting by on what she was making. I sent them a check for {$25.00} along with a letter explaining our situation and that as our situation allowed we would start to pay small amounts towards the debt. I also asked that all communication be in writing.They never cashed the check and they did n't communicate with us for a year about setting up a payment plan. I did n't hear from them until last spring. They filed a lawsuit against me for a little over {$2500.00}. I tried contacting the collection agency to set up a payment arrangement and they had no record of the account let alone that it had gone into litigation. My wife and I ended up moving and again we had n't heard from them until XXXX where we got a court order for them to take my state tax return that was dated XXXX. I called them last week and explained again that I had been unemployed and just got to the point to where we can start paying on this bill. They wanted the full amount right then. They were n't interested in setting up payment plan.

Company response to consumer: Closed with non-monetary relief