BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-24
Company: BB&T CORPORATION
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
I have become totally and permanently XXXX and contacted BB & T with a letter on XXXX 2016 stating that I have no money and my income on XXXX are totally used up covering my minimal living essentials. I had sent in a complaint and they responded saying they had offered a new plan and I did n't accept. That is true because I told the woman that verbally & was VERY rude to me that I started crying. I was telling her I could do a little because I did have to eat. When I said I had to eat, she still bullied me with smart remarks like " you ca n't pay {$58.00}? I kept saying no. '' In BB & T 's letter XXXX XXXX also mentioned BB & T will take action by reviewing the call and apologized that I was upset after having this interaction. The apology was not sincere and it was during practically the whole call.and not the end. The fact that they send an automated letter that is generated informing clients about accounts being closed. In this case XXXX XXXX said it was because of having difficulty maintaining contractual payments. Said that I had been advised and agreed with constant credit being closed. This should not have been written since it always had a XXXX balance and I thought it had been closed. I opened the credit card account to transfer to a XXXX interest. That was done and if they review they 'll see I never charged anything more. The late fees & interest changes keeps going from {$25.00} to {$32.00}. Every month an extra {$80.00} is added with fees. I do n't think XXXX needs to quote everything I write because it was very hard to write in the first place. I had been used to having an income while working. It was stated at the beginning of the letter Complaint # XXXX that my complaint was forwarded to XXXX XXXX for review and response. Also written in the letter had a notice of furnishing negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by GC Services, I asked them when my account was scheduled to report they said it is pending. I asked what that means they would only repeat that it was pending. I advised that either it has reported or it has not, and it is pending that means that it has not reported to my credit. They rep said confirmed that this was correct. So I asked again when is it scheduled to report to my credit since it is not on my credit now. She said its pending so I said your being very confusing and misleading by not giving me the correct info when I 'm asking. There is a date/time period which a credit reporting account is scheduled to report she said its pending. Then she hung up on me as I was talking.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX called me at XXXX on XXXX/XXXX/2015. I did n't recognize the number, ( XXXX ), so usually let calls like it go to voice mail. This time I made the mistake of answering. XXXX XXXX threatened to have me arrested for non payment of an overdue bill from some Bank. He would not give me the name of the Bank, but said I owed over {$30000.00}. I told him I owed no one money or anything else. XXXX XXXX XXXX said he would have me arrested, take me to court, and send collectors out to my residence to take anything of value. He insinuated I had no parents, and I was a low life. I have seen the phone number about XXXX to XXXX times before, but just let it go to my answering machine, but no message has ever been left. These calls start before XXXX, and go past XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: ORG GC GP Buyer, LLC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
These people call from different numbers and when I call them they never address themselves. I do owe a credit card debt but I can not make any payments right now since i only work part time and I am in school. They keep calling my place of employment which is illegal and asking my co-workers personal questions about me. I need this too stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I went to Walmart to use the moneygram financial service to send {$2200.00} to the recipient XXXX XXXX and was charged a {$45.00} fee for the transaction. I was given the confirmation reference number # XXXX and submitted all required information. When the recipient went to accept the funds, he was unable to and was told that he needed me to contact moneygram at XXXX and that the form was filled out incorrectly. Firstly, all information was filled in by the authorized Moneygram representative at Walmart. Secondly, when I called that number I was only asked survey information and ultimately disconnected from the call. I called XXXX located on my receipt and was told that there was a note on the transaction that required additional information. I was transferred to two times and only asked the same information, being reference number, my name and recipient name. Upon the the third transfer I was left on hold over 33 minutes and as I type this am approaching another 30 minutes of being on hold for a total time of an hour. I believe their actions to be fraudulent in nature, they were paid a fee to provide a service and said nothing about missing information when they took my funds, but have not revealed anything regarding the alleged note on the transfer other than they just like to double check information on larger transfer amounts. I was denied a direct number to the local compliance agent who they are allegedly transferring me to as well as a name, if I 'm even being transferred at all and not simply left on hold. I believe they are fraudulently using the excuse of consumer financial compliance in order to hold my funds and nothing in the transfer violates any consumer financial compliance laws nor have they informed me of any viable reason for their actions. Furthermore, I believe their actions are in violation of consumer finance compliance laws as I have not been notified of any reason for the delay nor have I been given the opportunity for proper escalation to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: M&T BANK CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In having a very hard month and being unemployed and searching for a job, I check my account balance on a daily basis. on checking my account on a Saturday. I saw that a scheduled charge had gone through on that day, which had made the account negative. I had checked the day before, on a Friday, and the account was not negative. on seeing that the account was negative on Saturday XXXX, for the first time, I proceed to borrow {$20.00}, from a friend to deposit, in the account to ensure that the account wont be negative. I never believe that any account should be in the negative, no matter how dire a situation is. 
This action on Saturday XXXX, removed the account from the negative. and all was well. the account was out of the negative. until the following Tuesday after the holiday, to my The bank to my dismay charge me {$40.00}. I am currently seeking employment and have no money to buy food to make. I checked my phone right after I saw the {$40.00} charge ( with no money ) and my account statement indicated incorrectly that I made the {$20.00} dollar deposit on that following Tuesday and not the Saturday of the XXXX. That 's a huge lie!. I have my deposit slip, which proves that the deposit was made on the Saturday XXXX. I then walked XXXX mile to the bank ( no car ) to get an explanation, and they humiliated me, because I am an XXXX XXXX man. any opportunity to humiliate an XXXX XXXX guy who doesnt look " correct '' is most welcome. talking loudly so everyone could here, afterwards then pleasantly dismissing, me. My deposit slip, and they refused to see it. They said the bank ordered them to do so. They didnt care what I had to say. Bank personel must have repeat that they couldnt do anything almost 5+ times. I need my {$40.00}, back as it is all I have left for the next couple of weeks. I am not a liar as they made me out to be. I have my deposit slip.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28
Company: Receivables Management Partners, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called and cancelled my doctor appointment 24 hrs prior to my appointment. I called back and reschedule my XXXX test few weeks later. I showed up ang gone thru the procedure. I completely paid for the bills. Couple month later, I get new bill for no show for first appointment. I called the doctor office, told them I followed the procedure. XXXX XXXX credit collection refuse to remove the collection on my credit report. They reported a duplicate report and collections on my credit. I disputed both cases wit XXXX, the original dispute case number is ; XXXX and the duplicate case number # is XXXX. The collection are extremely rude and hostile. Both reports has the same amount and dates. How is that possible? Please help. Thanks. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Identity theft/ XXXX, XXXX, XXXX.

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 2017-01-20
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was traveling over the holidays and my sister was hospitalized with an emergency. I had a friend send me my bills so I could pay them long distance. I sent, from my " pay bills '' account with my bank, a check for {$3800.00} to the WRONG account. It was a different XXXX XXXX card than the one I should have paid. In fact, the money went to an account that had been closed. I did n't realize the mistake until I got a notice from the correct account that my payment had n't been received. I contacted the Citibank Advantage card company which I 'd incorrectly paid. They 'd accepted the check. After several calls they finally saw what was going on, then credited my active account rather than returning my money. It took another couple of calls to convince them I needed the money back, not a credit in an account that I seldom use. After several more calls I still do n't have my money, they claim the long delay is due to " policy. ''

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 2015-08-03
Company: M&T BANK CORPORATION
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage with M & T Bank and we have been approved for a modification under the HAMP program ; We are grateful for that, however M & T Bank assigns the mortgage to XXXX XXXX XXXX XXXX, and XXXX becomes the servicer of the loan, albeit on a temporary basis. 
Our complaint is that M & T Bank, throughout the HAMP application process and subsequent to successful completion of the HAMP Trial Period Plan, continues to sendout letters and account statements reflecting not only inaccurate financial figures, but also a veritable " blizzard '' of mailings that hit us as very intimidating, alluding to potential foreclosure proceedings. Since M & T Bank has assigned the mortgage to XXXX, they are technically no longer the loan 's servicer, and should not be sending such mailings. 

After much angst caused by the intimidating mailings, calls to XXXX result in our being told to just ignore the M & T Bank mailings, despite that many of the mailings specify that we must respond in writing within a certain time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I transferred money via MoneyGram at a XXXX store to my daughter in the United States.  My complaint is that there was no indication of fees until the end of the transaction and never any indication of the basis of the fee.  I couldn't tell if I could save money by sending more or less.  I couldn't tell if the fee was based on the amount I was sending or just a transaction fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2014, we filed for Ch. XXXX bankruptcy. Our home loan is included in the payment plan. M & T Bank is the mortgage servicer on the loan. My payments to the trustee are automatically deducted from every paycheck ( see " Payment Since Start of Case '' pdf, attached ). We were relocated by my job to CA and rented a home for 2 years. 

Recently, we moved out because the landlord is selling the home. We have been denied apartments because of the BK, and in this area, no one will rent a home to us because of the BK. Our only option for a home is to buy another FHA-financed home, which is justifiable for FHA due to the relocation. We are near the end of our home buying approval process and our new mortgage broker ( for the home we are trying to purchase now ) was notified that M & T Bank has been inaccurately reporting our mortgage payments to HUD, which is preventing the loan from reaching final approval with HUD. 

We called our assigned M & T Bank representative, XXXX XXXX, who admitted a discrepancy with the account. XXXX XXXX says that M & T Bank internally views my account as " in default '' even though I am in a Ch. XXXX payment plan. He could not explain the discrepancy between their alleged claim of default and my up-to-date payment ledger ( continue reading for the name of the attachment ). After I told XXXX XXXX that M & T Bank is violating my rights as a consumer by failing to report accurate information to HUD, which is a governmental agency, management and XXXX XXXX told me that they are referring my case to their attorneys who will communicate with my bankruptcy attorneys. Attached, you will also find a document named " XXXX That document shows that I am not in default, as M & T alleges, and has a letter in which XXXX XXXX admits that my account is current. 

Attached, please find HUD 's response, requesting that we ask M & T Bank to correct its erroneous reporting ( " FHA answer re XXXX ). M & T Bank refuses to rectify the issue and/or send it through the appropriate channels to resolve the situation.

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 2016-10-13
Company: ClosingMark Financial Services, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is linked to a previous case XXXX : My mortgage company has been paying the premium on my homeowners insurance per the initial terms of the mortgage. I have been receiving communications since XX/XX/XXXX that there was a lapse in homeowners insurance coverage from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and I am being asked to pay the mortgage company over {$4500.00} to obtain coverage for the same period. I have tried to resolve this with the mortgage company through written ( email ) and phone communications yet I have not been offered a proper resolution to the issue. I do n't understand being charged an excess of {$4500.00} to cover homeowners insurance for a less than four months period of time. I have tried to obtain coverage for the period in question on my own, but I am unable to get an insurance company to write a policy for a period in the past. 
Update XXXX/XXXX/XXXX : I still continue to receive notifications from South Pacific Financial that my escrow account has insufficient funds as a result of the above. Please see attached letter where I am now being charges {$2300.00} for the Principle, Interest, Required Escrow and Shortage Surplus spread despite the fact that South Pacific Financial had previously answered complaint XXXX with a statement that they would be making this payment on my behalf. Please reference XXXX for the statement made by South Pacific Financial. I have contacted the mortgage firm via email. My next mortgage payment is due XXXX XXXX XXXX and I need a correction made before then to avoid the overage charge. 
To be clear, this is all the result of negligent oversight on the part of South Pacific Financial. They failed to furnish property insurance for the time period in question. As such, the home had no insurance during the period in question.

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 2016-10-31
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been working with OCWEN Loan Servicing LLC Ombudsman 's Office since XXXX XXXX, 2016 in an attempt to correct an issue brought about regarding my loan modification, and incorrect information being transmitting to me by the Relationship XXXX XXXX regarding the status of the modification, and where payments that had been tendered by me on my loan were being credited. The recordings of my conversations with XXXX XXXX from the end of XXXX 2016 through XXXX XXXX, 2016 have been pulled by their supervisory staff and listened to, and verified that I had been given incorrect and false information about my next payment date being XXXX 2016. On XXXX XXXX, 2016, I was informed by XXXX XXXX 's supervisor, XXXX that XXXX , XXXX had " misinformed '' me of where my XX/XX/XXXX and XX/XX/XXXX payments were credited, and they needed an additional {$2400.00} from me to complete the modification. I had been informed XX/XX/XXXX that the modification had already been approved, and had signed the modification agreement as instructed.The issue has gone on for the past 7 wks., and Ocwen does not want to recalculate the figures for the modification since my XX/XX/XXXX payment was credited to " the account '', and NOT towards the modification as told by XXXX XXXX XXXX me, nor was the XX/XX/XXXX payment credited towards the trial payment as told to me. Ocwen has outsourced there customer service in large part to employees in XXXX, but refuses to stand by their misdirection and mistakes. I can confirm this due to a similar problem about XXXX yrs. ago brought to your office regarding misinformation given to me from their XXXX office of a credit of {$2300.00} due me ( according to their relationship manager ), in which Ocwen sent me a check for the supposed overpayment. About 7 days after I received and deposited their reimbursement check into my account, they discovered " inhouse '' that their employee had made a mistake, and they immediately stopped payment on the check and caused over {$3000.00} overdraft in my account. It took almost 10 1/2 months and the involvement of the Attorney Generals Office to force them to stand behind their mistake. THIS situation SHOULD NOT HAVE TAKEN 7 WEEKS AND XXXX SUPERVISORS TO CORRECT, while I am still getting the run around from their supervisors! I am attaching pertinent documents FYI. Their actions in the past case was deemed " illegal '' since it was discovered they had reversed a prior loan payment sent my me to actually " refund '' monies to my bank for the overdraft, INSTEAD OF USING THEIR OWN OCWEN FUNDS. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are attempting to sell our house but can not because Ocwen in unable to provide us an accurate payoff amount. Due to a prior loan modification, Ocwen and I have a profit sharing agreement if I sell the home for more than the baseline amount, modified by any capital improvements I have made since the modification. Receipts were sent to Ocwen on XX/XX/XXXX and XX/XX/XXXX concerning capital improvements. Ocwen acknowledged receiving them and promised to respond within 24 business hours per their email. It is now XX/XX/XXXX and both my wife and I have spoken to Ocwen multiple times with zero results. Anyone we talk to says they will look into it and get back to us but never does. At this point I expect to need to get legal representation because Ocwen is causing me financial harm as I can not sell my home due to them not following through on their contractual obligations. It is impossible to talk to anyone who knows anything about anything and my contract to purchase a new house is about to expire as I can not sell my home as agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen has filed foreclosure papers on my home at XXXX XXXX XXXX, XXXX XXXX, Texas. American Home Mortgage breached my contract by charging me for unjust late fees, illegal charges, and a fathom " escrow '' account amounting to almost four years of payments making my " real interest rate '' about 46 %. They are using a robo-signed Corporate Assigment of Deed of Trust signed by " XXXX XXXX '' .Ocwen has no real interest in my loan. I quit making payments to American Home after a XXXX audit revealed what they were doing.I have not made a payment since XXXX 2011. These people from XXXX XXXX on down are criminals. I was XXXX in Texas for 48 years. I would be in jail if I had done this. XXXX XXXX XXXX and XXXX is the foreclosure mill that is still using false papers, they need to be sanctioned, Ocwen promised in the settlement with the Texas XXXX that they would no longer use fake papers to foreclosue but here they are doing it and the law firm knows it is illegal which makes then guilty XXXX. I have sent a notice of recission to Ocwen and they did not respond. The reciission is in effect and no effort has been made by Ocwen to file suit to remove the recission.

Company response to consumer: Closed with explanation