BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-11
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have XXXX Fedloans that became delinquent and reported on my credit XXXX and XXXX days late in XX/XX/XXXX and XX/XX/2015, I was then granted a forebearance for a date before the delinquency through the date of delinquency on XX/XX/2015. When I checked my credit reports from the XXXX credit reporting agencies, I noticed that those delinquencies had not been updated per the forebearance, as stated by law, any new information must be updated by the furnisher. I first contacted Fedloan and asked them to remove the delinquencies as the granted me a forebearance for a date prior to the reported deliqencies through the date of the delinquencies, and they did not update the information, then I disputed the delinquencies All XXXX credit bureaus showing proof of the forebearance and they did not update my information or make the fedloans properly respond to my dispute and is still reporting the information that is incorrect on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Over five years ago a physician spent 5 minutes diagnosing an XXXX in the XXXX, for which he charged {$5000.00}. The " analysis '' also proved to be incorrect -- a XXXX existed that he did not " find. '' When I disputed the amount and the result, he said that he spent a long time in school and deserved the outrageous charge, and denied the misdiagnosis despite the fact that subsequent XXXX resulted in XXXX and a prolonged recovery. The insurance company subsequently paid him several hundred dollars and he sent me a bill for the co-payment. The remainder of the {$5000.00} charge was likely written off as " bad debt '' on his tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was reviewing my an account and noticed a payment from XXXX two days ago that put my account in negative and was not even supposed to be taken out.So the his messed me up in depositing money as I was unable to cover this and what I was originally depositing into account to cover so as a result my account was charged a excessive overdraft fee for {$100.00} and today found XXXX did not even clear when it had time when originally submitted into my account plus another {$36.00} overdraft fee.I fear another {$100.00} plus {$36.00} will be added during the night aether I put money into account later today or not and wipe half my paycheck out just for this mess.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed Chapter  XXXX   XXXX . XXXX , 2010. At the time I filed Chapter  XXXX  I was due for  XXXX  2010-   XXXX   2010@ XXXX . I paid   XXXX   to the   XXXX   different mortgage company. Chase proof of claim was incorrect. The fees that chase stated that I owe was included in a   XXXX   2010 loan modification. After the 2010 loan modification chase did n't do any of the things on the schedule A. All those things was done prior to the 2010 loan modification. I only owe   XXXX  . I enclose the Schedule A that was include for chase proof of claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Follow up to the previous complaint. I am still on the phone with American Express and Im hyperventilating and shaking because of the harm and distress that they continue to cause me. The refuse to investigate my claims of identity theft. I opted out of phone, Mail, and email communications from them in regards to ANY DEBT. And instructed them to contact me through the consumer financial protection bureau at which they refused and sent me another email advertisement against me request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was late paying a XXXX Toll fee and after paying {$25.00} to the toll company I received a bill for {$77.00}, sent them a letter of explaination and they sent me another fine for {$70.00}, no explaination just a total due of {$140.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Describe what happened so we can understand the issue ... 
I submitted this complaint once already but missed the cutoff to dispute so I am re-submitting it. 
In XXXX of XXXX I was granted a modification from Ocwen. When I made my XXXX trial payment it was held in a suspense account along with the other XXXX payments and {$100000.00} from Keep Your Home California. This money was not dispersed until XXXX XXXX. 
This is about Conventional adjustable mortgage ( ARM )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  X/XX/2014  I signed a notice to vacate as well as the management of the apartment complex (   XXXX   XXXX   XXXX   ) and they agreed to break my lease with no fee as letter states. I am in the process of fixing my credit for mortgage purposes and realized that I have a broken lease fee on all  XXXX  of my credit reports so of course I disputed it and it came back verified. I contacted the creditor ( National Credit Systems ). I called sometime in   XX/XX/XXXX  as king to speak to a supervisor and was transferred to  XXXX . I advise him that I had proof that the complex agreed to break the lease with no penalty and he advised me to mail it in. I did just that and once it was delivered, I called   XXXX   back and was told that I violated my lease by giving my notice a couple weeks prior to the 60 days and they will continue to seek payment.
Notice to vacate agreed and signed on :  X/XX/2014  Dat of move out :  X/XX/2014  I was on a section 8 program (   housing authority of   XXXX   county ) and they were paying the rent, so this notice to vacate had to go through may channels before being approved considering they were paying the full monthly rent at that time.   XXXX    XXXX  was paid fo r  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  so I 'm not sure why there is a fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
failure to send borrower the following prior to foreclosure referral XXXX. In all states, Servicer shall send borrowers a statement setting forth facts supporting Servicer 's or holder 's right to foreclose and containing the information required in paragraphs XXXX ( items available upon borrower request ), XXXX ( account statement ), XXXX and XXXX ( ownership statement ), and XXXX ( loss mitigation statement ) herein. Servicer shall send this statement to the borrower in XXXX or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. Servicer shall provide the XXXX XXXX with copies of proposed form statements for review before implementation.

Company response to consumer: Closed
Consumer complaint received 2021-03-23
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Barclay 's seems to delay posting of payments, perhaps to earn fees. This has happened a couple times, but they haven't charged me any fees ... until now. 

I mailed two payments onXX/XX/2021 : Check XXXX XX/XX/21 XXXX Check XXXX XX/XX/21 XXXX These checks should have reached them and been posted by the payment deadline of XX/XX/21. 

Today ( XX/XX/21 ), I received a statement incuding {$27.00} late fee and {$28.00} in interest. 

I feel like Barclay 's has intentionally chosen a payment address ( California - I'm in Illinois ) to maximize fees and interest. If they provided a closer payment address, payments would be subject to less delivery time variance. 

But I'm not convinced that is the only problem. I mailed both checks at the same mailbox at the same time. Yet they did not both post on the same day. So it appears that they do not necessarily post payments on the day they receive them. 

It all seems very suspicious to me. I do not feel that I should be penalized when I have mailed my payment 5 days before the due date.

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 monetary relief
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I got a credit alert from several of my monitoring companies for a credit card that I do have from   XXXX   XXXX  . It was a   XXXX   MasterCard. I 've been a loyal customer since 2010. I called to inquire about the 30 day late and was told I did n't have one. I then asked to speak to the manager and was put on hold. The call disconnected. A couple days later, I received a few more alerts, alerting me that my account was closed. I did a direct dispute with Transunion. That 's the only report it 's on. The other  XXXX  Bureaus show no latenesses. Transunion claimed the information was verified. I ca n't dispute again.

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 2017-07-17
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I have an  XXXX  and my account is updated and fully funded.   XXXX   is provided via   XXXX   XXXX   XXXX   website. During my travel from   XXXX   to  XXXX  via  XXXX , a single toll detector might have failed to detect my displayed   XXXX   in the windshield. Then I received a traffic violation ticket from with the   XXXX   XXXX   XXXX   (  XXXX  ) to {$58.00} for a {$9.00} toll fee.   XXXX   gave me the opportunity to explain the violation, which I did in a timely fashion. I explained to  XXXX  that as I drove from   XXXX   to  XXXX  and back while stopping at a number of tolls, so to have only one toll violation directly points to a faulty detector and not my lack of willingness to pay the single toll at that station.
Next, I receive a threatening letter from Transworld Systems inc, threatening me to pay a {$58.00}, without knowing where or who it is or even providing any specific explanation. I am not sure what entity Transworld Systems Inc is, a branch of   XXXX   or the muscle to collect for  XXXX . Moreover, it is unclear where is it located? This is the address that appears : Transworld Systems Inc.   XXXX   XXXX   XXXX  ,  XXXX , OH  XXXX .
However, there is yet another address that appears on the collection letter :   XXXX   XXXX   XXXX    XXXX , DE  XXXX .
Please investigate, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On my   XXXX   2016 credit card statement ( TD Ameritrade Client Rewards ), I noticed   XXXX   charges of {$150.00} each made out of state at a time when I had n't left my hometown.
I called the card issuer and reported it as a fraudulent/unauthorized charge. I submitted all my evidence in writing and was informed it was likely a counterfeit card since there was no signature obtained. They promised they would investigate it and would not bill me for the  XXXX  charges. It was forwarded to the Fraud Investigation unit.
Since then, it has been 18 months and there has been no action taken. I have called every 2-3 months to TD and they keep saying that the last action was  XXXX  2016 and they apologize for the delay.
Yet the charges keep showing on my statement and have not been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-13
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan was recently transferred to GreenTree Servicing. In the transfer process, a {$1000.00} principal payment was lost and removed from our account. I sent all payment history verifying the payment was received by the previous provider and now GreenTree is holding the payment along with another {$1000.00} principal payment rather than applying it to the balance of our loan. I have contacted Greentree XXXX times with regard to this problem and have received no resolution. I believe this a a violation of our Loan Agreement per the following : '' I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a " Prepayment. '' When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. 

I may make a full Prepayment of partial Prepayments without paying any Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note .... '' Are there any actions we can take to get them to apply the funds to reducing our principal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This company has reported information on our credit report. It needs to be corrected. This is a letter sent to them. 

XXXX XXXX, 2016 XXXX/Executive Services Legal Department XXXX XXXX XXXX XXXX : Per our conversation of today, I am faxing this complaint. 
In XXXX we applied for a Modification. We have not been late with you and have continued to pay our payments through the trial period on time. We have an {$8000.00} Line of Credit. We are quite disturbed to find out the XXXX has posted a 30 day and 60 day late on our Credit Report ( see attached ). We were never notified of this practice and were not informed " if '' we proceeded with the Modification that this would happen! This is against the law and we want this removed and corrected IMMEDIATELY! 
I am attaching the copies of our payments for the last three months, Trial payments as well as a copy of our Credit Report item in this complaint. 
Please contact us immediately upon receipt of this notification. 
Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: WELLS FARGO & COMPANY
State: HI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
bank fees for insufficient funds could not transfer money from Savings to checking to cover debits because the wells fargo app was not working. called to transfer money, was told by wells fargo that they could not do that over the phone and to go to the ATM. ATM was not working and i was not able to transfer money in time.

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 monetary relief
Consumer complaint received 2021-05-18
Company: SUMMIT FUNDING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my loan in XXXX of XXXX. My impound account had {$6300.00} deposited into it. every month balance was increased by XXXX. When 1st installment of taxes was due I paid it out of my checking account. I did the same for the supplemental taxes. See attached. On XX/XX/XXXX Summit Funding had a total of {$14.00}, XXXX in my escrow account which included an overage for property taxes I had paid out of my checking account. I should have a reimbursement from Summit Funding for the taxes that I paid. Upon logging in this week the balance was now {$4000.00} I requested an escrow analysis they did it and said no refund was due to me. She submitted and escrow research ticket for the lost {$10000.00}. I am worried this company can not manage my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I only have XXXX account with wells fargo dealer services account # XXXX and I saw on my credit report for all XXXX reporting agencies, XXXX XXXX XXXX that well fargo dealers service is reporting another account number for the XXXX account that I have the other number is XXXX they changed the information on this account as though I have opened another account when I only have the XXXX with them, they changed the information of the opening date and the amount of payment when my payment was XXXX not XXXX their reporting a new account number for an account that should be closed, and that I had no knowledge about until I checked my credit report, and i called the company wells fargo dealer services, told me that it was the same account with another account number I said i 'm not aware of this and I was n't made aware of this new account and they are breaking the law again they should only be reporting the XXXX account XXXX that I know about. there already being sued for opening accounts that consumers are not aware of please correct my credit report with the account number that shows the account closed I only know about which is paid off there 's no need to add another account that I do n't know about when this account is closed and paid as agreed. the XXXX should not have been opened without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX   XXXX   ca n't link to my bank which is Bank of America

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 2017-07-17
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: Account status incorrect

Complaint:
I was reported 30 days late but I made my payment on time.   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 2016-01-28
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan is with Ocwen and we are in pre-foreclosure. We did not know this as we thought house was foreclosed in XXXX. WE NEVER asked for a postponement of the sale until recently once we understood how a short sale would help them avoid foreclosure. WE was told by Option One, back in XXXX that there was " Nothing they could do for us and to GET OUT '' of the house. Wr were told it would foreclose in XXXX XXXX, so we left 100 %. The house has sat vacant for years now, and we never knew the bank did n't foreclose on us, until XXXX XXXX reached out to let us know. I believe we deserve a break and would love to see get a short sale approved. Today, Ocwen basically confirmed foreclosure is XXXX and that they did not have enough time to review the option and closed out the short sale review. We sent the proposal to Ocwen on XXXX/XXXX/XXXX, and are asking for postponement of the sale in order to get short sale reviewed. There is a cash offer on the table. Again, We the seller has never asked for a postponement, this is the first time and Ocwen is saying NO. can you please stop this forecloseure and allow us to do short sale. We have been riddled with one problem after another with medical issues since XXXX the reason we fel behind was told to leave and now this. I was given a complaint number # XXXX from our expert who is trying to help us. Thank you for your time XXXX ( XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief