BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-09
Company: United Shore Financial Services, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
loan # XXXX Serviced by XXXX XXXX. 
I purchased a house on XX/XX/XXXX, closed with XXXX XXXX and mortgage was obtained via broker XXXX XXXX XXXX  company. Lender- United Wholesale Mortgage. Prop taxes due XX/XX/XXXX supposed to be paid with funds a seller provided at closing. Title company held funds because the tax bill was still on old owner name, by the time the tax bill was switched on my name, the funds were lost somewhere between the XXXX XXXX, XXXX XXXX XXXX  and UWM. My mortgage is escrowed, so all transactions supposed to be handled by lender/servicer. The servicer for my mortgage is XXXX XXXX. When I received my tax bill with interest and penalties ( iao XXXX ) in  XXXX, because it was never paid by lender/servicer/title company, I reached out to XXXX advising them on this issue. I was told to send them tax bill for processing. They paid the tax bill along with interest and penalties iao XXXX from my escrow on XX/XX/XXXX. However, this is invalid transaction because I should not be responsible for taxes because old home owner provided funds at closing to pay those taxes and someone has those money. When I called to UWM I was told that I should not be responsible for that tax bill or interest and penalties- it will be paid by lender. My escrow has negative balance because XXXX took money out of it to pay the bill+ interest and penalties while lender- UWM advised them to pay out of their account. I was told by UWM that broker XXXX XXXX XXXX  company sent them a check to cover taxes and they will be responsible for paying penalties and interest. Since XX/XX/XXXX funds have never been deposited back to my account. Again, those funds were provided by seller and I should not be charged for that bill. XXXX XXXX/XXXX XXXX XXXX/United Wholesale Mortgage/XXXX  should absorb XXXX because it was their fault they lost the seller 's funds for taxes. I have tried to resolve this issue for over 2 months by now and none of those companies are cooperating. I am being told the same information " funds will be posted back to your account '' but nothing is being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Navient Solutions, LLC.
State: DC
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:
Last month I received a letter from Navient stating that there was an error in my consolidated loan- that the XXXX loans within the consolidation loan had different repayment schedules and that Navient was going to automatically switch my repayment schedule to the longest possible. The letter indicated if I wanted a different repayment schedule, I simply had to call Navient. I called the next day ( approx XXXX XXXX ), and tried to get the repayment schedule back to my previous schedule. This proved extremely difficult- the first call I could not reach a representative through any of the automated choices, and when I finally did reach a rep, she had to transfer me to a different section. I proceeded to wait on hold for approx 10 minutes and then instead of speaking to someone to assist me, I was instead connected to a satisfaction survey which asked about my experience. Considering I received absolutely no assistance, I would say the experience was pretty unsatisfying. So, I tried again, and reached a human fairly quickly, one who assured my the change request had been added to the account and that my next monthly payment would remain the same and not revert to the lower payment/longer payment schedule. I assumed this would be the case and I did not request verification in writing. Unfortunately, this month 's monthly payment just came out and I see that the lower amount ( corresponding to the longer repayment schedule ) was made and not back to my normal payment amount. 

I understand that the XXXX repayment schedules may not have matched up within the consolidation loan, and this may be a requirement, but I do n't see why it 's necessary for Navient to revert the consumer automatically to the longer repayment schedule since this inevitably costs the borrower more in interest. And what I really do n't understand is why it 's so difficult for a borrower to contact Navient and have the payment changed back to what the borrower originally wanted ( and had been paying without incident for over 10 years. ) I think it 's disingenuous to change a borrower 's repayment schedule without their consent- but it 's even more egregious to make it difficult, if not impossible, for the consumer to change it back to the option that will ultimately save the consumer thousands in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Northwest Trustee Services, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have contacted the Northwest Trustee Service in which is my mortgage has been transferred to from XXXX. I have fees from northwest that are bogus that they want me to pay. In which I was never contacted by them or receive and documents from by mail or certified mail. I have called northwest several times and ask them to provide me with documents that I have sign or they have sent out in which they fail to do so. Anyone can get a tracking number from any postal service or XXXX or XXXX online and never deliver. I feel that Northwest are trying to make me pay for fees and work that they did not do. Which is Illegal for them to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sent XXXX different notified letters all 30 days apart requesting verification that I was the owner of this account. I asked this company to provide me with a signature showing this was mine only to get a copy of the BIL and no verification signature. After XXXX attempts, XXXX different letters, more than 90 days between the XXXX to reply and verify NOTHING. No proof whatsoever that this was/is my account so I asked them to remove only to not get a response back.

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 2020-03-19
Company: CAVALRY INVESTMENTS, LLC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a court summons today for a debt in an amount I do not feel that I owe. The summons is from XXXX XXXX/Cavalry SPC. Late this evening, I was quite shocked when someone came to my door unannounced to serve these papers -- especially considering the current Coronavirus pandemic we are experiencing. The amount the summons is stating is much more than I remember accruing. Also, no one had contacted me regarding this debt prior to the man arriving unannounced. I am asking for XXXX XXXX/Cavalry to please validate this debt, starting with the original charge on the card. If unable to validate the debt, I respectfully ask them to remove this from my credit report and please dismiss the case in New Mexico court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit report shows an account for {$780.00} in collections for over a year and a half with XXXX XXXX XXXX. I spoke with the legal department of XXXX on XX/XX/XXXX at XXXX or XXXX twice and both stated my accounts were paid and closed. The reflected balance is simply the difference between the original balance and the settlement but that my accounts were closed and paid and sent me a statement to reflect this. They said if its still being reported to the credit bureau as collections then its customer services problem. I was transferred to CS and they stated the legal department didnt notify them so give them 7 days to straighten it out. In the meantime, I filled a dispute with XXXX and they came back saying it was an owed debt. I redisputed with XXXX and they once again said its a valid debt. I called XXXX  legal department today, XX/XX/XXXX and spoke with XXXX XXXX who stated my account is paid in full and I owe nothing. My accounts are closed XX/XX/XXXX. I was transferred to CS and told they are the ones reporting in error to XXXX. The CS rep, XXXX XXXX says legal never told them I am paid in full and that I owe a balance. I was transferred again back to legal and spoke with XXXX who stated again that my accounts are paid and closed and the balance reflected isnt owed its just the difference between the settlement and original bill and its not even {$780.00}. I stated CS transferred me to her stating it was legals problem. She put me on hold and transferred me back to CS. XXXX XXXX, ID XXXX at XXXX ( or XXXX ) XXXX stated once again legal needs to update them and it will be done in a few days. I asked why it wasnt done earlier this month when I called and he said its a new system they are dealing with. He even saw where I called on XX/XX/XXXX. This is ridiculous as it is being reported negatively in collections on my credit report that Im trying to rebuild and they wont correct their error. When I call XXXX  they transfer me to and from the legal department to CS.

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 2015-04-13
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
There is a motion on XXXX/XXXX/XX/XX/XXXX @ XXXX XXXX county courthouse to reschedule foreclosure sale date based on 100 % illegal, fraudulent foreclosure. XXXX XXXX XXXX has sold, transfer or assigned this mortgage to Caliber Home Loans in XX/XX/XXXX. 
1. Got out of non-jury trial XXXX XXXX, XX/XX/XXXX which I knew before walking into Judge chambers I was going to lose. To get an idea of what typically occurs @ these non-jury trials just imagine a handcuffed monkey trying to beat a Lion in a caged fight. 
2. Five Year Statute of Limitations ( SOL ) Expired XXXX XX/XX/XXXX 
3. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : Forged and Notarized Original Mortgage signatures, Plaintiff lacks legal standing ( mortgage sold off originally by XXXX XXXX Bank to a trust ), robo signing. Their was the biggest lying straight face robo testifier from XXXX XXXX XXXX I have ever witnessed, it is sad and unacceptable how all their lies, fabrication were allowed into evidence while our strongest evidence by defendants Forensic Expert/Witness testifying original note is 100 % forgery denied her testifying at trial, XXXX due process. 
XXXX law firm does all plaintiffs dirty work. 
4. Force placed homeowner insurance obtained at illegal price gouging rates XXXX, XXXX times normal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I applied for a refinance of our current mortgage with Loan Depot in early XXXX. XXXX XXXX was my contact in the beginning and I answered ALL of his questions. After XXXX hard credit inquiries in 33 days, including XXXX in one day, I was told they could not refinance because I had over XXXX acres and had acquired an equity loan several years ago which I paid in full. They NEVER asked me the acreage or if I had ever had an equity loan.If they had ask these questions initially the loan process would have never started and there would not have been XXXX hard inquiries on my credit report. I asked them to remove at least XXXX of the the credit inquiries, if not all of them, since they failed to ask the proper questions and they refused! Also I received a letter of Adverse Action Notification which stated that I had over XXXX acres, said nothing about the equity loan but said that the " value of Type of Collateral not Sufficient ''. The loan request amount was {$110000.00} but the appraisal was {$230000.00}! The insufficient collateral statement is totally false! 
My goal is to get these credit inquiries removed. If Loan Depot had done their job properly and efficiently this 45 day process and all the credit inquiries would not have been necessary. 

Regards, XXXX XXXX XXXX XXXX XXXX, Texas 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 2020-03-09
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX  XXXX XXXX credit card issued by Comenity Bank has billed me for items I have did not receive. The items were stolen from a purchase I made online. When I picked the order at store I was given a partial order. I reached out to XXXX XXXX via online customer service and they told me to go back to store to get credit for stolen products I did not receive. It is outrageous that they send me back to the store as if it is located around the corner. If I ordered online the credit should have been applied. Since my first contact with company I DID NOT receive any bills my mail and/or other contact, which contributed to me overlooking any outstanding charges. The bank immediately placed a 30 day lateness on my credit and affecting it with a 80 point credit drop. I have tried to rebuild my credit and you may see that I have especially with several of my Comenity Bank issued credit cards. 
I would like the proper credit to my charge card and the removal of the late payment ( s ) they have applied to my credit report. They have stolen items my order and have credited my account properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26
Company: Adler Wallach & Associates, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I originally noticed a unknown collection of {$520.00} on my credit report, which I disputed ownership of. Later that month I received a letter from Adler, Wallach & Associates , Inc., who apparently owns the debt I disputed, stating I owe an additional {$3300.00}. I have no knowledge of either amounts they claim I owe. I promptly sent them a letter, via certified mail, within 30 days of receiving the notice. In the letter I requested that they verify the original debtor and amounts. Not 10 days later, I find the {$3300.00} dollars added to my credit report. Additionally, it is suspiciously dated 3 days prior to receiving their first notice. Not to mention, they, a California based company, are using Wisconsin Statues Sec 138.04 as means to apply interest to this debt, which is also suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: VNU Group, LLC
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
XXXX a division of Pacific Credit Group in XXXX XXXX extended credit to me for a computer. The account was setup and I was originally told I would receive the item within a week. When the week passed and there was n't even an approval or tracking information I called and was then told it would be 7 - 10 business days before my item would ship. Since I needed this item for work I requested the order cancelled. I was told the order would be cancelled and I would not be required to make the first payment. I called several times over the next week and was assured my cancellation was noted in the system and the order was cancelled. However, it has been almost three weeks since then and the payment was taken from my bank account, The item still does not show cancelled and I can not reach anyone in charge as a manager. I was transferred to escalation department. I reached voicemail which said it was full and to call back later twice. I will be filing with my bank to reverse the charges but they told me it would be about 10 business days to get my funds back if I do, and I may not be able to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My mortgage loan was XXXX  to Specialized Loan Servicing around XX/XX/XXXX by XXXX XXXX Bank. Since than I have asking for records and filed dispute in writing and on the phone. I have also file complain with Attorney General of XXXX. I have also field complaint with CFPB as well. 
On XX/XX/XXXX I received notice dated XX/XX/XXXX, I received notice from XXXX XXXX XXXX XXXX whose address XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX. Phone number XXXX. I have been informed my mortgage loan has been sold them and I have until XX/XX/XXXX to respond. 

On XX/XX/XXXX I received notice dated XXXX XXXX, XXXX from Specialized Loan Servicing whose address is XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX  XXXX phone number XXXX. Notice states my multiple and multiple requests to provide records since XX/XX/XXXX need extra time. I am informed in this notice I should get response soon. 

Again on XX/XX/XXXX I received second notice for demand payment, workout solution and so on. 

XXXX XXXX XXXX has not resolved any disputes material of facts since XX/XX/XXXX. Unlimited amount of email and letters sent with many phone calls. I have not been provided information. Now loan has been sold and I must work with XXXX or XXXX different entities. I can work with many entities in less XXXX months time and is the owner of the account I do not know this. 

Who to file dispute I do not know? 
Who asked records I do not know? 
Who to makes payments etc., I do not know?

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 2022-07-12
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
On XX/XX/2022, called to report that my Husband had passed away and in going through paperwork found credit card I did not apply for in my name. Asked them if they could mail me the application paperwork and signature card so I could see when it was taken out and what was charged to it. They said they were sorry they did not have access to that paperwork I would have to file a complaint or see an attorney to obtain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had three cards with Citi that were closed by the bank in XX/XX/2018. All three cards had cash rewards or Thank You points that were taken by Citi and not paid back to me. 

I signed up for these cards based on their marketing material that indicated I would receive those cash rewards to Thank You points for making purchases with those cards. By closing my account and not returning to me those rewards, Citi was deceptive in their marketing.

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute regarding the incorrect items on my credit report, it has be well over 30 days. And I have not received any Investigation results.

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was going over my credit report I noticed several accounts from XXXX XXXX, XXXX XXXX XXXX XXXX I have never had an account or contract for service with EITHER COMPANY please provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for Trans Union, XXXX   and XXXX diligent examination of these accounts..

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 2018-01-06
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My federal XXXX grant was converted to a loan on XXXX XXXX, XXXX without my permission. XXXX claims they did not receive paperwork stating that I was XXXX in a qualifying XXXX on time, even though such paperwork was submitted on XXXX XXXX, XXXX. XXXX claims to accept paperwork until XXXX XXXX, XXXX. XXXX refuses to convert these loans ( totaling $ 16,000+ interest ) into grants, and have so far denied my first dispute. I am submitting affidavits and complaints to the Attorney General 's Office and the Department of Education.

Company response to consumer: Closed with explanation