BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015 I reached out to my Congressman. I am currently XXXX, unable to work, and has a XXXX year old daughter. I am under tremendous stress, and receiving XXXX for my illnesses. As a result he was unable to keep up with my mortgage, and my home entered into foreclosure. I needed assistance to postpone a trustee sale on my family 's home. I have been working with a HUD housing counselor, gathering the necessary documents he needed to apply for XXXX ( XXXX ), XXXX program. The request was made to Bayview Loan Servicing for an extension, in order to give me enough time to submit the required documents, submit my application, and receive a tentative approval from XXXX. 
On XXXX XXXX, 2015 after sending a request to Bayview Loan Servicing to give XXXX XXXX more time, the Congressman 's office received a response concerning the case. The response stated a new sale date of XXXX XXXX, 2015. 
However on XXXX XXXX, 2015 I was notified his home was sold on XXXX XXXX, 2015. That same day my Congressman 's office spoke to XXXX XXXX of Bayview Servicing and confirmed that the home sold. A supervisor had agreed to contact their office that day but that has yet to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, I lost my job and was unable to keep up with mortgage payments. Upon contacting Bayview Loan Servicing and informing them that I may have a hard time making full payments they suggested I make an application for the loan modification program. I submitted the application in XX/XX/XXXX for same. After having submitted XXXX complete loan modifications to Bayview Loan Servicing and receiving some excuse or delay from them each time, it became apparent to me that they were not going to help me but instead actually put me in deeper financial trouble. I purchased the home in XX/XX/XXXX paying {$68000.00} for the property. Bayview now informs me that the payoff is in excess of {$74000.00} and they want the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Monarch Recovery Holdings, Inc.
State: TX
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 received a call from Monarch Recovery Management regarding a personal business matter for my mother. I simply asked the representative for the name of the company and a phone number in which she could call back. The representative and her Supervisor XXXX XXXX both refused to provide any contact information for their company. I considered this harassing behavior and an unfair deceptive acts and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was contacted by phone, with a threat of criminal prosecution if I did not pay the amount in question, on a loan I know nothing about, did not apply for or receive, and have never received any bills for - and they would not provide me with any of the details about the alleged loan - hanging up on me several times over the past XXXX days. 
They are threatening me with criminal prosecution - something that could destroy my career, clearly trying to frighten me into paying the {$630.00} in question - an amount I could have paid at any time, and which I have considered paying to make this go away - even though, as I have said repeatedly, I did not take out this loan, and if XXXX was taken out, it was done fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Patenaude & Felix A Professional Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have constanlty harras by this deb collectorOF A DEBT THAS IS XXXX YEARS OLD. IS THIS LEGALUNDER NAME OF PATANAUDE AND FELIX APC. 
THI IS PHONE NUMBER IS XXXX XXXX XXXX NUMBER IS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was part of a XXXX.settlement : Consent Order AP File No. XXXX ( See attachment ) On XXXX XXXX I called and spoke to a service person at the XXXX number listed on the letter because the email address listed was not working. I was told that I will be receiving a check in the amount of {$490.00} and I I have not received the check. I called today to check the s status and was told that I need to place the status request using the email : XXXXXXXXXXXX. I did that and I received a response stating the email is no longer being monitored and I need to call the number XXXX. 
So I called again and this time I was told I need to contact the CFPB because XXXX does n't have check status info. I called your agency and was told I need to get the info from XXXX. I want to file a complaint and have you research this matter on my behalf because I believe there is fraudulent activity taking place since I have no check and I ca n't get any info from them. Please look into this and respond back to me ASAP with an update. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Stephens and Michaels Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card, auto loan, and personal loan from XXXX XXXX sent to Stephens and Michael 's Associates debt collection law firm. While making the payments to Stephen 's and Michael 's I was under the impression that all of my payments were going towards the debt. When I completed my payments with Stephen 's and Michael 's I contacted the bank to get the title of the car since I was under the impression that all our debts had been paid. The bank explained to me that Stephen 's and Michael 's charges a XXXX-XXXX % fee and that I still owe the bank. Even the customer service representative admitted that this is a common tactic of Stephen 's and Michael 's and that others have been led to believe that their debts were fully paid off when they in fact were not. The entire time in dealing with Stephen 's and Michael 's I was never informed of this fee and the fact that the final payment I made was n't going to fully satisfy the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
ProCollect of XXXX continues to leave a {$41.00} collection debt on my XXXX Credit even though I have proof they cashed the check for this debt 4 months ago and I have called them 3 times to have this removed since that time. It has kept me from re-opening my main XXXX XXXX card account two times now. They have made two promises of dates that this will be removed from my credit report and those dates have long since past. What teeth can you put in to this and force them to act now???

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 2015-04-24
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I cosigned my son 's student loan. He is XXXX and can not pay the loan. The loan amount was XXXX. I 've been paying the loan monthly to AES. When he defaulted on the loan, I was notified and immediately began to make monthly payments. I never missed a payment. I became XXXX this past year, and I heard about Obama 's ruling on releasing loan repayment obligations when a loan has been repayed monthly without any lapses or deferment. I contacted AES to get the loan discharged, but they claimed that this loan was deferred for one month before I even knew it was in default. I did n't authorize any deferment ever, and I 've been paying the loan for more than 48 months without any lapses. They claimed that I am responsible for my son 's initial request to defer the loan for a month without ever informing me about this decision. My son has a psychiatric XXXX which limits his rational decision making ability. Now, we are both XXXX. AES claims that I 'm basically stuck with repaying the loan. The percentage rate is very high at 9.493 % which is above the original rate I was given. This company refused to provide me with the bank information associated with this loan which was initially XXXX Bank. Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: ACIMA CREDIT, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have called acima numerous time to payoff the balance on my current lease, but they keep giving me excuses and want me to pay an Early Purchase Amount : {$430.00} + tax olin order to pay off the account, when hen I have already paid {$530.00}. My total purchase was for {$440.00}. 
This type of company should be out of business, they rip off customers.Please help me to resolve this matter. This

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I obtained a total of {$31000.00} in federally backed student loans thru XXXX when I graduated. The loans grew to a total of {$41000.00} by XXXX. In XXXX, I consolidated the loans for a total of {$31000.00} at 8 % interest over 186 months ( 15.5 years ), with lower interest rates after XXXX on-time payments. Automatic payments of {$260.00} started in XXXX and steadily rose to {$280.00} by XXXX. These payments have been deducted from my bank account continuously through today, XXXX/XXXX/XXXX. After 10 years of solid on-time payments, I went to check on the remaining balance so I could pay off the loan. After 10 years of payments on a 15 year loan, the balance should be minimal. I was horrified to discover that the remaining balance on my loan remains at {$26000.00}, with an expected date of XXXX for payoff! And, they have considered the loan delinquent for that 10 year period. After 10 years of monthly payments, only {$5000.00} has been applied to the principal. On an original loan of {$31000.00}, I have paid a total of {$87000.00} : {$52000.00} in principal and {$33000.00} in interest!! How is that possible? How does a 15.5 year loan turn into a 30 year loan? I 'm retiring in XXXX and will still owe student loans even after paying on them for my entire working career. I 've borrowed the same amount of money for a vehicle and that amount was paid off in four years. If this continues at this pace, I will pay AES more than four times the amount of the original loan far beyond the original 15.5 year payment plan. I have paid over {$200.00} a month in interest alone over 10 years, with that amount only reduced slightly to {$170.00} a month. AES refuses to explain the process or discuss an audit of my account to account for all the monies paid. AES needs to explain how this happened, how my payments were applied, why the principal balance has not dropped, and why I will pay almost 30 years on a 15 year loan. Complaints about this very process are numerous and easily found on the internet. AES should be held accountable for their dirty business practices and unethical behavior. Students will never " get ahead '' or experience the American Dream as long as companies like AES can continue to operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have an FHA insured mortgage serviced by US Bank. I became unemployed in XXXX 2014 and applied for unemployment forbearance. Because I recently found part time employment with XXXX. I am currently working approximately XXXX hours per week but anticipate getting full time hours in the near future. US Bank denied my request for forbearance stating that I am not eligible because I am employed. I therefore am in a kind of catch XXXX situation. The fact that I gained part time employment with a reasonable expectation of becoming full time is in fact penalizing me. If I was still unemployed I apparently would be eligible for up to 12 months of unemployment forbearance! This is completely absurd! It is often the case employers hire part time to full time rather than immediately full time. I am therefore asking for forbearance until I do get to full time status- with in the next 6 months. I am asking for human intervention that can see this " canned '' response just makes no sense!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX I went into my branch of US Bank with XXXX checks from the title co to pay of the outstanding balance on my US Bank credit card of {$19000.00} and my US Bank auto loan of {$7800.00}. 
The teller deposited both checks into my credit card account, resulting in an overage on my credit card of - {$7700.00}. 
On XXXX/XXXX/2015 after numerous phone calls to card member services, getting placed on hold in excess of XXXX minutes whilst waiting to talk to a supervisor, this issue remained unresolved. I electronically transferred this amount ( {$7700.00} ) to my checking account. This resulted in my Credit card having a zero balance. 
I transferred {$7800.00} from my checking account to my auto loan thereby paying it off. 
Later that same day the bank reversed the deposit of {$7800.00} on XXXX/XXXX/2015 to my credit card, resulting in a debit of {$7800.00} to my credit card. 
I have called card member services at least a dozen times nobody can tell me where they reversed that money to, or where that money is Requests for supervisor call backs have not been honored. This is missapropriation of a large amount of money {$7800.00} and i respectfully request that you aggressively pursue this issue until it is resolved

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I applied for XXXX XXXX visa card issued by US Bank 2 months ago. The reason that I like this card is it provides " bonus award night exclusively for card members ''. 
After opening of my account, I paid {$75.00} annual fee. And in the card member benefit document it says '' enjoy all these benefits after paying {$75.00} annual fee ''. But just after a few days, US Bank emailed that they cancelled that " bonus award night '' benefit! 
US Bank charges the same amount money for less card member benefit, that is how they make profits! 
They mislead customers to waste XXXX hard pull and apply for this credit card, and suddenly cancel card member benefit to make this credit card useless and I would have not applied for it if I knew it at the beginning!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested a collection agency to validate and I only received a letter with dates which are not accurate. I need actual verification which was requested and not received. Please help assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: STERLING JEWELERS, INC.
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I tried returning my rings at Kay jewelrs and when I showed up before these charges took place the store manager ignored me.and she was n't trying to take them bad so I ended up holding them until recently when I made them take it back because she tried ignoring me again. I made a XXXX $ payment at the store and it was never on my account. These people XXXX with you and your account. In between the that time afternoon tried returning the ring I called kay jewelrs to set up a return time and the lady did n't no what she was doing at all and she did n't even know what I was talking about so I sat 2 1/2hours on the phone for nothing it 's like they try and make you keep the rings. So all around it was game after game. I was also told by the store manager that I did n't own them anything at all and now I 'm being charged XXXX $ or so. So unprofessional and these charges shouldnt be there if I was told I did n't have to pay anything. I want this problem to end with them and they leave me alone!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I took a XXXX mortgage loan with US Bank back in 2006. This loan was for {$25000.00}. We have made monthly payments since then of {$250.00} per month. We have not missed one single payment. We have paid 120 payments since then, never late. The total amount we have paid so far is {$30000.00}. Our principal balance on the loan has only decreased {$1600.00}. That means US Bank has pocketed {$28000.00} and we still owe them an additional {$23000.00} plus interest. The interest rate of this loan has always been 11.7 percent and they tell me they are unable to offer me any lower interest on this loan. Also, this loan was set up as a balloon loan where I will need to come up with the balloon payment soon. 
I have attempted in several occasions to work this out with US Bank with no resolution from them. As a result I filed a complaint with the Minnesota Attorney general 's Office. They have suggested me to file a complaint with you and the OCC. Any assistance you can lend would be greatly appreciated.

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 2016-11-29
Company: AMERICAN SOUTHWEST MORTGAGE CORP.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing this letter about mistreatment by American Southwest Mortgage and I contacted them for assistance with my mortgage payments and the loan being serviced by XXXX Mortgage XXXX and dealing with XXXX XXXX - Loss Mitigation Specialist and she advised that American Southwest Mortgage will only consider extend the terms and I asked for other options and she said a person by the name of XXXX XXXX with XXXX XXXX Mortgage spoke with the CEO and he agreed with the decision and I called XXXX and called the CEO spoke with XXXX and she advised that the XXXX does not speak to customer and I stress to her how important it is for me not to have any late and now they are reporting on my credit the XX/XX/2016 late and due that my job could be in jeopardy and I made a principal and interest payment and I asked XXXX over and over about my credit and now I could lose my job due to that late and also my house because they would not even consider any of the options and the reason I am having problems, please look into how they treat there customers when it comes to seeking help to keep your home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My credit card bank checks were stolen from my mailbox. 
Someone used one of them and cashed at a bank for {$14000.00} not associated to the credit card company that issued the checks. That bank processed it even though they held the check but released it after 7 days. The bank then charged another {$440.00} check transaction fee. Total damage {$15000.00} in credit card fraud. 
My credit card company has no feature to block any transactions over 'x ' amount of dollars. It could have been prevented if they had this feature

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation