BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: HALLMARK HOME MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I took out a construction loan from Hallmark Home Mortgage LLC that closed on XX/XX/XXXX. We started building a home soon thereafter. When we went to close on the permanent financing for our home loan with a closing date of XX/XX/XXXX, we were shocked to find out that Hallmark Mortgage LLC charged us {$750.00} per month to extend our construction loan. We paid monthly interest to Hallmark and received a statement each month and paid the amount owed. Never was a {$750.00} per month charge disclosed to us at our closing. I approached Hallmark Home Mortgage LLC and the representative we dealt with, XXXX XXXX, and he said that those fees would have been waived had we chosen them for our permanent financing but since we were financing our loan elsewhere, we had to pay them. Hallmark Home Mortgage LLC waived one month of fees but we were forced to pay the remaining {$4500.00} in fees in order to have the construction loan paid off and our permanent financing put in place. I asked XXXX XXXX to refund these dollars since they were never disclosed to us at the closing of our loan nor did we sign any document stating that these fees existed. We did not hear back from him after his initial email that he would ask his Manager. I have a copy of all of our closing documents and monthly statements and there is no mention of this fee anywhere in these documents. I am attaching a copy of a monthly interest statement received from Hallmark Home Mortgage LLC as an example.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I graduated in XXXX after getting an XXXX from XXXX I married directly out of college, had a son and was a stay at home mom while my husband worked. We divorced in XXXX and I sought work out of the home to take care of my son. In XXXX I filed for Chapter XXXX because I was unable to pay my bills and take care of my household all at the same time. During the proceedings a representative from some student loan institute said they would not forgive my loan but they could re-work the payments ( even though during the year I filed they were forgiving student loans ). I have never defaulted on my loan but now I am starting to feel overwhelmed because this debt that started out at around {$35000.00} when I graduated in XXXX, is now almost {$150000.00}. I am almost XXXX XXXX XXXX and based off my income they have set my payment at a zero dollar monthly payment. I do n't know how I will ever pay a loan off on my income and based off a zero dollar payment. I have spoken to several representatives about how to get my loan down and all they recommend is working XXXX jobs. Wow what advice. I have applied for XXXX jobs, for government jobs and even the XXXX. None of which have been successful. I feel like there is no light at the end of the tunnel. Are there other alternatives? What can I do to pay down this loan? I am not running from my responsibility but it seems like my financial obligation has tripled as a result of me not being able to secure employment paying me a high enough wage to keep up with payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I mailed the first dispute to Equifax via XXXX XXXX Mail tracking # XXXX which according to XXXX XXXX was delivered and received on XX/XX/2022. I requested the disputed items be validated. In their first response, Equifax provided no copy of any contract with a signature and therefore failed to property validate said disputed items under federal law. On XX/XX/2022 I mailed second dispute letter to Equifax via certified mail tracking # XXXX which was delivered on XX/XX/2022 according to XXXX signed return receipt. Today is XXXX, XXXX, XXXX, thirty-five ( 35 ) days later and I have not received a response. 

My rights were violated twice under this law as they failed to assure maximum possible accuracy to me ; 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My rights were violated once when they failed to acknowledge my second dispute letter within 5 days under federal law 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My rights were violated 10 times wherein each time Equifax failed to validate each disputed item, totaling 5 items for first dispute and 5 items for second dispute under federal law 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I experienced an unexpected temporary financial hardship and I contacted Beneficial to explore options. The representative that I spoke with suggested that she could offer a deferred payment plan. Notably, I fulfilled the requirements of the payment plan. However, upon a recent review of my credit report, I noticed that Beneficial reported my account delinquent during the deferred payment plan period ( XXXX and XXXX ). 

Though I appreciate the deferred payment plan, I am upset that Beneficial failed to disclose that they would report the account delinquent to the credit reporting agencies during this period. Indubitably, if I had known that the account would have been reported as delinquent to the credit reporting agencies - I would have borrowed the money from a friend or a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Delinquent account

Complaint:
Over the past few months Macy 's credit reportedly made several updates to their mobile application. In XXXX 2015 I submitted my monthly payment through the mobile app, however the app did n't process the payment and my account was put into past due status and I was charged a finance charge and late fee. I called into Macy 's credit card services and spoke with a representative and my account status was changed to correctly show that I was in good standing and the finance charges and late fees were credited to my account. I was assured that the mobile updates were working and I would n't have any issues with payments in the future. In XXXX 2015 I again submitted my payment through the Macy 's mobile app. On XXXX/XXXX/15 I attempted to make a purchase inside a Macy 's store and my card was declined with a past due status. I spoke with a Macy 's credit services supervisor and she noted on my account that this is the second time my payment was not processed when using the app, and she credited my account the late fee and finance charges. Not only was this embarrassing, but I am concerned that Macy 's credit is reporting past due status on my credit report when the fault is with their application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My complaint is with GreenTree Servicing. I took out a mortgage with them in 2001 when I had a full time job. My interest level was 10 %. I no longer have a full time job. Over the years I have contacted them when my mortgage fell behind. There has never been much help just bandaids to the problem. I am now collecting Social Security benefits and do not work. I have attempted to get my interest rate ( 10 % ) lowered on numerous times but to no avail. The first time I applied for the MAKING HOMES AFFORDABLE PROGRAM, program I was told to submit the documentation and I did. I would get notices that I was missing documentation, etc. which was not true. If I called customer service to see where I was in the process I was told to contact the XXXX XXXX office. Finally after weeks I gave up and sent them a letter saying I was tired of it all and just gave up. Next time I attempted was about a year ago. Submitted everything, and never heard a word. Waited, Waited and Waited. Finally I called Green Tree 's XXXX number and spoke to someone who told me ( after I jumped through all the paperwork hoops ) that GREEN TREE did not participate in the program. So, another road block to get help with this mortgage. My mortgage was for 30 years. I still have 15 years left and I still owe almost as much as I started out with because of the outrageous interest rate. Are there any programs out there to help people in my situation? My loan payment is being eaten up by the interest and I do n't believe GREEN TREE treated me fairly when I tried over and over to get help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone used my daughter account to do a transfer of funds and it took over XXXX out of my childs account the said they said they were working on this back in XXXX we have contacted numerous times and as of today they said they have to many claims and have not worked on it and they need to give my child back her money they are discriminating against her age.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
1. Have very strong credit history and payment history with all credit cards 2. In XXXX I applied Amex Delta card for XXXX miles + statement credit, which I did n't receive after 4-5 calls ( every time being assured and waiting few weeks ). Finally, was told wo n't receive miles, so had to cancel the card. 
3. I kept getting similar offers from Delta & Amex, which I ignored 4. While booking my Delta airlines for Alaska, I once again got offered as part of the booking, which I confirmed to receive before applying as part of ticket booking 5. I met criteria in less than a week to be sure 6. After not seeing miles or credit, I called. Was assured after lengthy discussion and informed to get call in a week. 
7. Same thing happened 4-5 times, but there was no follow-up call & each time getting to know " by mistake case has been closed, but will be taken care in a week this time for sure '', only for me to call after a month to be again given false assurance. 
8. Finally after few months, I am being told wo n't get any miles or credit, 'I was given wrong information earlier and nothing can be done '. Underlying message was read terms & conditions, all other assurances were just sales gimmick. 
9. This is beyond frustrating & bad business practice and need to be really resolved. Also need to stop them from doing this again to any other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech has not paid my town taxes from my escrow account, I have over {$3000.00} due and have had a open claim under investigation since XXXX. Have spoke. To XXXX seperate supervisors, XXXX and most recently 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 2016-03-11
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech mortgage will not update my account and I can not make my payment. If I do, they will not apply the money to my account, but will instead hold it in a separate account. I contact them every month through my account and they have never responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Issue Number 1. XXXX XXXX, I received an offer from a buyer to sell my house, unfortunately XXXX Bank did not give approval for the sale. The reason provided was that they could not establish the owner of the house based on my social security number. My loan was with City mortgage Bank before it was acquired by XXXX bank. The social security number in reference is the same that City Mortgage Bank transferred to XXXX. 
Issue Number 2.I recently made an inquiry via email to both City Mortgage and XXXX regarding my mortgage account with a personal friend. We did not get any satisfactory answer from XXXX banks in trying to reconcile the principal balance of the loan. 
There were XXXX loan modifications between XXXX to XXXX. According to my recollections, each of these loan modification was sold to me with the pretense of lowering my monthly payment. In reviewing with my friend, these modifications made the interest rate to go up, the payment and the term of the loan as well. At the end of the day, the initial loan principal of {$120000.00} beginning in XXXX increased to {$140000.00} in XXXX The current value of the house is estimated to be around {$82000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I used my American Express card to book a hotel using the XXXX travel site. 
Immediately after booking found out it was the wrong hotel. I immediately contacted XXXX. They came back a little later and said the hotel was not answering their phones. XXXX refused to refund the over {$200.00} charge for a hotel room that I did not use. American Express apparently is siding with XXXX. I will never use XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card
Issue: Late fee

Complaint:
On XXXX XXXX, 2015, I made a {$1000.00} payment on my American Express Card to satisfy the XXXX XXXX due date. On XXXX XXXX, 2015, I made a {$5300.00} payment to satisfy my payment due XXXX XXXX. American Express refuses to apply my latter payment as I intended and has instead charged me a late fee because the payment was received prior to XXXX closing the former business cycle. I understand " billing cycles '' are a necessary function of any financial institution, but I also know that transferring funds from XXXX ledger to the next is n't rocket science. American Express is, in effect, penalizing me because I paid my bill too soon, and this seems akin to theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25
Company: ENCORE CAPITAL GROUP INC.
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
i repeatedly tried to contact midland funding llc about a settlement of a XXXX credit card bill they never returned my calls are contacted me instead they turned it over to a law firm for legal action i contacted the law firm after numerous attempts finally got ahold of someone and made arrangements to pay XXXX to settle this account which i feel is a ripoff of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Approximately XXXX months ago ( ~ beginning of XX/XX/2022 ) I have opened an online bank account with Schwab, mainly because they advertise no ATM fees in many countries- and I was planning a trip to XXXX. 
I have transferred soon after ~ XXXX XXXX from my XXXX account, and then used the bank card for one purchase in the US - no problem. 
On XXXX  XX/XX/XXXX I have used my card in XXXX, to get local currency. I have withdrawn 3 times XXXX, XXXX and XXXX euros. Later I have checked my account online, and the transactions were there, everything was ok. 
However, next time when trying to use my bank card I was unable, then tried to access my account online and could not, there was a message to call a Schwab number.

I did that and all I could find out is that some special team at Schwab is investigating my account for suspicious activity. This went on for almost a month, the entire duration of my trip- me calling the bank and getting no resolution. I was left in a foreign country without access to my own money, for an entire month, never got any clarification on what the problem is, even after calling 5 times - I was never called or emailed back, never told anything about who can help, what should I do. 
As of now XX/XX/XXXX there is ~ {$11000.00} in my account that I can not access for almost a month and was not given any clear explanation or timeline when to expect a resolution. The only information the persons answering could tell me was that the " special team '' believe that it wasn't I who opened the account. Well, it was me, if they would call me, I could tell them, but they did not- for a month already. Very disrespectful way to treat customers, no regards to what situation they put me in a foreign country without access to my money, for a suspicion... what happened to innocent till proven guilty?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I had a prepaid American Express Serve card, and when I called in for help on XXXX/XXXX/2015 for assistance with adding funds, they closed my account. I had {$290.00} in cash on the card. They will not give me any information and will not give me my money back. They said I violated the terms of my agreement.? I am not aware calling in for help for a violation. They claim there was suspicious activity on my card. If they 're protecting me, I 'm concerned they will not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Resurgent obtained the right to collect on our mortgage. On XXXX XXXX, Resurgent agreed to release the lien within 30 days after we sent them {$5700.00}. They have not released the lien. On XXXX XXXX, they said that I had to pay them by XXXX XXXX, or the deal was off and I would have to " renegotiate '' with them. When I tried to explain that the cashiers check had to come from Florida and be mailed to them, their representative, XXXX, raised her voice and harshly let me know that was the final word. I told her that I would get the check to her as soon as I received a letter committing that the payment was payment in full and the lien would be released within 30 days of receipt. On the XXXX, we had received nothing. We called every day and were continually assured by both XXXX and her supervisor XXXX, that the letter was in the mail. On the XXXX, I spent money I did n't have to get an online fax account. On the XXXX, XXXX faxed me a letter which met my criteria and I put the check in the mail. They received it on the XXXX of XXXX. On the XXXX of XXXX, I received the letter from them which bore the date of XXXX XXXX. The letter had been franked on the XXXX and accepted by the post office on XXXX XXXX. I think the letter was backdated and they intended for me to get the letter after the XXXX so they would have an excuse to demand more money. Alternatively, if I had been foolish enough to send the check without their written commitment to accept it as payment in full and release the lien, they could have demanded more money. The letter states that the paperwork will be sent to me but Kentucky law states that original paperwork has to be sent directly to the county clerk 's office, with copies to me within 30 days. I did not know that at the time, but I do not think I am responsible for telling them their legal obligations. I called them several times today trying to straighten this out. XXXX was surprised today when I told her that Kentucky required the original paperwork be sent to the Clerk. XXXX finally told me she would look into it and told me she would call. I waited 15 minutes past the time she said she would call and then called her. She was at lunch. Her supervisor has been " in a meeting '' all day. This is typical of the way this company operates. Tomorrow I will send them a copy of applicable Kentucky law along with mailing and contact information for the XXXX County clerk here in Kentucky. Please incentivize them to end their coffee break and do their jobs.

Company response to consumer: Closed with explanation