BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-26
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My wife and I sold our house in XXXX : XXXX Wa XXXX, and the deal was closed on the XXXX of XXXX..Old republic Title was our Escrow company. After the closing we received XXXX different statements of amount due to seller. XXXX = {$190000.00} and XXXX = {$200000.00}. We asked them why are we seeing XXXX different amount due to sellers? Their reply was " yes it was a mistake, you will received {$200000.00}. We will fix it before wiring the money to your account ''. After receiving the money to our account we realized that they did n't fix it, they paid us {$190000.00} instead of {$200000.00}. We tried to call them so many times with no success. They only time we were able to talk to them was last month and we were told that the amount giving to us was correct even though the statement and the amount wired to our account do n't match. I have attached the copy of both statements. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: PRESTIGE FINANCIAL SERVICES INC
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Prestige Financial reported falsely on my credit report that I owe {$14000.00}, the car has been repossesed and the amount should reflect the sale of the vehicle and in amount due that is left over as a result. 

Further they continue to harass me via email with false alligations and tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: SFS, Inc
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had XXXX loans with One Click Cash ( XXXX in XXXX 2016 and XXXX in XXXX 2016 ) in which the company did not make me aware, either orally or in the loan documents, that they process payments internationally and that my bank may charge me international transaction fees. After reviewing my account recently and found XXXX international transaction fee charge, I further reviewed my account and found several of these fees going back to XXXX 2016. I have now incurred almost {$50.00} of these charges. At this point, I would like One Click Cash to refund me those international transaction fees totaling the amount of {$49.00}. In support of my contention, attached are the bank transaction fees ( as highlighted ) that I 'm requesting to get a refund for, the loan documents for both the XXXX 2016 and XXXX 2016 loans. I tried getting these fees refunded by my bank but bank policies and agreements do not allow them to do that due to the fact that the payments were processed internationally by One Click Cash. I also called One Click Cash to get them to refund these fees but they refused. Nothing in the loan agreements state that they process payments internationally and I believe that they violated the agreement which makes me entitled to these refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: GREAT LAKES
State: CO
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:
Every time I make a principal only payment, the payment is distributed to all of the loans instead of just the highest interest loans. They even state on their website that when you make a principal only payment that it will go just to the highest interest loans. However, every time I make the additional principal payments, I have to go back and check all of their work. We as borrowers should n't have to go back and make sure that student loan companies are actually following the rules, they should just do so. I pay my student loans through 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 2016-09-25
Company: GREAT LAKES
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive notice from Ohio that I was in default in my student loans ( actually had worked out a payment plan a few months prior ) and in danger of my pay being garnished. Instead, I received a notice from work that they were going to garnish my pay, so I contacted Ohio XXXX loans office to try to work something out so this would not happen, and they were rude to me and told me I could n't stop it, and would not work with me at all, and have begun garnishing my pay, even though I am a head of household with low income and now am being forced to file bankruptcy to stop it. I did receive notice from Missouri and have been able to work with them, but Ohio did not send me notice, and were very rude and will not work with me and instead disregarded letters I sent and calls and have started to garnish my pay. Is there a problem with Ohio student loans? I need to be able to work this out rather than file bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My interest has compounded to the point I can not afford my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX has NOT stopped harassing phone calls to me even calling at XXXX and at night at XXXX threatening and using abusive language and this is on the nordstrom card that had unauthorized charges and nordstrom has closed off and cleared all fees. please help to stop sentry this must be illegal and every unethical thing to do

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: PRESTIGE FINANCIAL SERVICES INC
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
After several weeks of disputing fees assessed on a vehicle declared as a total loss and paid off by my insurance company I attempted to settle a debt with Prestige Financial. I provided payment authorization over the phone to a Prestige rep in order to settle the account in full. The rep neglected to process my payment resulting in continued fees/interest being assessed on a vehichle that has already been paid off by the insurance company and the GAP insurance company. Prestige also restricted my online access preventing me from posting a payment online which again has resulted in continued charges of interest fees due to the inability of processing a payment. I believe the actions taken by Prestige are willful barriers in order to continue to add on interest fees in an effort to collect increased monies on an account that has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have not been able to access any of my money currently being held in TD Bank without explanation. This pertains to both my checking and savings account. I have attempted to fix this problem at the branch and by calling their customer service but both have been unhelpful. It has been over a month since I have been able to access my money and since then I have been unable to pay my rent, buy food, or fill my prescriptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-19
Company: Blitt and Gaines, P.C.
State: IL
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Trying to collect on a debt that I do n't recognize. Reason, I never opened up any accounts in XXXX. Will NOT give me any info, rather just selling this debit to other attorneys with amounts I have never heard of nor recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Alabama Housing Finance Authority
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
ServiSolutions acquired my mortgage is XXXX 2015. Their XXXX letter to me stated my new mortgage payment was {$1200.00} monthly ( {$570.00} principal, {$330.00} interest, {$320.00} escrow ). At closing my HUD-1 stated my mortgage is {$890.00} ( {$660.00} principal, interest, mortgage insurance, {$220.00} property taxes and homeowners insurance ). They fixed this problem after a few weeks. Now, they have sent me a statement saying my property taxes ( which has not even been issued for this year yet ) are increasing to $ XXXX and my new monthly payment is {$1600.00} per month. Please read my email response to them as follows : 1. Yes, at closing my lender collected 2 months property taxes at {$150.00} per month for a total of {$310.00} ( HUD-1 line XXXX ) 2. Additional Settlement Charges from my closing indicate on line XXXX of the HUD-1 that the XXXX half of the property taxes to XXXX County were collected at a total of {$930.00} ( cross reference line XXXX HUD-1 ) 3. My loan terms on page XXXX of XXXX on my HUD-1 indicate that my mortgage includes a monthly escrow payment of {$220.00} ( homeowners insurance and property taxes ) for a total of {$890.00} per month. 
Homeowners Insurance $ XXXX/yr Property Taxes $ XXXX {$1800.00} XXXX $ XXXX {$220.00} 4. My new tax bill is not issued until this month. Why was I sent updated statement saying my property taxes are now $ XXXX a year? 
5. I am the sole income of a XXXX person household with XXXX XXXX XXXX and XXXX. This is the second incident with an incorrect bill being sent to me. I ca n't XXXX endure this stress. You have only owned my loan for 4 months. This is truly ridiculous. I was responding to this email they sent me as follows : Hello Form the research the finding were as follows : The amount of taxes that were owed at closing was only for 1 month ( XXXX ). Now that the new year has started we have to reanalyze for the full year to be paid for taxes that will be owed every 6 months. ( XXXX x 12 months = XXXX ) ( XXXX / 2 months = XXXX ) Thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: MO
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 recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 )  credit inquiry that I find to be problematic. 
The inquiry in question was apparently made by you on XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: CONTRACT CALLERS INC
State: FL
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:
Recieved a call trying to collect on this debt but debt is not listed on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2020 my Bank of America card closed with a balance of {$2.00} ( my credit limit is {$2000.00} ) I had an available credit of {$1900.00}. I made XXXX  purchases totally {$780.00}, leaving me a available credit of {$1200.00}. I made a payment of {$260.00} which should have brought my available credit to {$1400.00}. However, I had an available credit of {$1200.00} and my purchases for {$1200.00} was declined. I made a another payment of {$25.00} and my available credit showed as {$1200.00}. When my available credit should be {$1500.00}. I made a called to BOA twice first time I spoke to XXXX from New York who was XXXX and argumentative. So I asked to speak to a supervisor he connected me to someone's voicemail. I called BOA the second time and spoke with XXXX and she was unable to assist because she stated she was unable to assit. My payment for {$260.00} is missing and I want them to correctly credit my account, my available credit should be {$1500.00}.

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 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2020 I was at the store trying purchase gifts for my daughter where i was informed my card declined. I called Capital One Immediately to see what was the reason and I was transferred to the investigations team. They sent me to a voice mail I left several messages and no one has yet to return my call. I spoke with a young lady on XXXX XXXX  and i was inform informed to send verification that i own my own business to and email address, I've done that I called back on XX/XX/2020 and i was inform that my account will because closed due to a grant that i received back in XXXX or XXXX. I was always informed by a capital one representative that i will not get my funds that i worked hard for thats in my savings and checking account back if someone can please assist me on how do i go about getting my funds out this account they have a restriction on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 co-sign for my daughter 's vehicle 4 years ago her transmission just went out she returned the vehicle the vehicle is priced at {$11000.00} my daughter filed a bankruptcy executor it's still showing a {$7000.00} balance on my credit report in a vehicle has since been returned as of XX/XX/2020 things were recalled and a transmission went out they resold the vehicle and still is requesting XXXX from me and my daughter I'm asking for this debt to be removed please and thank you and I also would like how my car note is being reported for my XXXX XXXX because everything is current and up-to-date and my engine was just recalled on that please and thank you for all of the credit reporting agencies I'm having an issue with I'm just trying to get updated

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 2020-12-29
Company: AR Resources, Inc.
State: PA
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:
There is a collection account on my credit from XXXX XXXX XXXX XXXX. I was charged for a course I never took.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I had bought a laptop from XXXX using my chase credit card mileage explorer. The laptop was defective and i contacted dell to return it. It was returned ot them via return courier. 
I did not receive any refund from XXXX. Therefore I contacted Chase to file a dispute with XXXX to get my money back but they did not dispute with the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Ive been a victim of major identity theft with having my personal information jeopardized in  XXXX  major data breaches, false credit reporting issues, fraudulent use of my SS #, fraudulent personal loan and mortgage fraud. That has become a servere tragedy in my life with losing my residential property, losing my employment, affecting my children and received a letter saying there information was stolen as well. As I have had to move into family members home and ca n't get any financial support to recover from all of this. I truly appreciate your feedback and help. Thank you

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 2015-06-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For more than a XXXX I have been trying to obtain a short sale on my property at XXXX XXXX XXXX XXXX, in XXXX, Californina. The lender which is Chase since the beginning has been taking a very long time to help us. We have a new buyer with the short sale approval asking price, we submitted the offer and since XXXX XXXX we have not received any communication back from the lender. Chase is ignoring all my Realtors email requests, they say they will reach out within XXXX hours back to us and never do. We do n't even get an acknowledgement from them. We also tried to reach out to the supervisors and they ignored us too. I need them to help us. To keep us posted on what is going on. To work in my file because the buyer will remain interested in the property. To be kind enough to reply to my Realtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I received a XXXX Cancelation of debt for this account. Please remove this account from my Experian Credit Report as the retention time has expired and it is causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working for more than a year with Chase Mortgage company XX/XX/XXXX trying to get an assumption modification on my our family home and deceased mothers home.Month after month. Getting paper work after paper work, notaries, lawyers, signatures. Only to be told in XX/XX/XXXX Chase, XXXX denied me the opportunity after almost a year, because its not my primary residence. And refused to make a reasonable affordable payment arrangement to catch up the note. Instead demanding {$5000.00} plus to reinstate the loan.. During the modification process I was told not to make payments, that they would make arrangements with me to catch up the payments.They refuse to accept any monies from me and they made unreasonable requested amounts. That I could not afford. Now XX/XX/XXXX they have sent me letters stating to accelerate the loan/ foreclose if I do not bring the loan current {$11000.00} approximately. And they have transferred my loan to XXXX. Please help me save my home. Cant ' some one make payment arrangements with me without the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank account closed, charged off and/or settled, negotiated through XXXX XXXX XXXX ( XX/XX/XXXX thru XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I have gone thru a nightmare JP Morgan chase. We were promised 2 % mortgage for both my XXXX and XXXX mortgage and were told not to pay. All we received were a nightmare almost lost our home and were cornered into taking whatever they offered they even added {$30000.00} to our mortgage ( which I have asked about over and over ). We owe more now than we did when we first took our loan out after paying 10 years. Were not able to fix the XXXX loan for a lower rate because the house was not worth that amount and we could not get out of the loan with chase plus the rate will increase over time. They put as in a unfair place. Please help us!! I would like to find out how they added over {$30000.00} and I would like to have both mortgages together and at 2 % that is what we were promised.I still have names and messages which were bogas.

Company response to consumer: Closed with explanation