BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-17
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was sold to Green Tree from XXXX. Around the same time, I fell into some hard times with a significant loss of income and increase of medical bills. I attempted to look for options with Green Tree and was told I only qualified for a stream line modification but was n't provide with any details. Only that I would need to make XXXX trial payments and after I paid the last XXXX, then I would find out the details of the modification. Once I received the modification, I realized it was n't in my favor to accept it. I spoke with the supervisor on my account that explained to me if I decline the modification, that it will take a few days to reallocate my trial payments to my mortgage since I was shown as being late and close to default. XXXX is the supervisor on my account. She informed me that I would be able to make payment arrangements to make up the difference and the amount would be spread over the next 3-4 months so everything will be caught up. She also mentioned which I was n't aware at the beginning that I had other options that I could have explored. The trial payments were for XXXX, XXXX, and XXXX. I have been dealing with XXXX my account XXXX XXXX XXXX and her supervisor XXXX since the first week of XXXX with no resolution. They consistently told me I owe over XXXX and need to pay the balance. I have no statements to show where the XXXX trial payments were reallocated to my balance nor where they came up with the balance. I have been treated like I 'm a dead beat loser that needs to pay the whole balance or go to foreclosure. XXXX has been rude towards me and have avoid my calls and even hangs up when I try calling her. I left numerous voice mails to both XXXX and XXXX with no return calls. The couple times I was able to actually speak to XXXX she would continue to say I 'm not discussing anything unless your ready to make a payment for the whole amount. I have been seeking support from my family and church and wanted to continue which was first discussed with XXXX as far as making payment arrangements to clear my past balance. I also would like to see in writing how everything was reallocated. My statement shows a balance over XXXX does n't reflect the amount of XXXX they told me to pay. I tried talking to someone else in customer service and their own department but everyone routes the calls back to them which leads me no where. No one will look into this matter for me. I am stuck dealing with XXXX individuals that are not willing to discuss or assist me in this matter. I have nothing written to show where the balance is coming from. I was not late for 3 months during my trial period but still show being late close to 180 days. I need someone to review my account and provide me in writing what my past balance is so I can make the proper arrangements to pay everything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: LEXISNEXIS
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
LexisNexis sent me a letter saying 1 negative report added to my file. I checked all credit bureaus and they are fine. Called LexisNexis to obtain my report. XXXX kept telling me I could not have my report even though I have their consumer ID # for me and theyre case number. She kept saying she needed my SS # DOB Drivers License # etc.. I verified my mailing address which they already have but would not give my personal information. XXXX will not provide MY report and would not let me speak with a supervisor. Ive never authorized LexisNexis to obtain information on me nor have I authorized any company to use them. They are trying to get my personal information I believe for fraudulent purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My roommate was stealing my Chase debit card and drivers license ; pretending to be me and withdrawing money from my account. He admitted that he figured out my pin because it happens to be the same as my phone password. 

He also admitted that he would sneak into my room while I was sleeping and put the card back before I woke up. 

He apologized but says he spent the money. I tried to dispute this with Chase but they claim that since my debit card PIN number was used that they cant prove it wasnt me. 

Although they advertise that I have 100 % Fraud Protection they refuse to give me my money back. 


ATM Withdrawl - XX/XX/XXXX - {$1600.00} ATM Withdrawl - XX/XX/XXXX - {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by SLS lending. They had been given the incorrect address by the previous company a nd there was a delay in payments being made directly to SLS. As payments were being made to the previous lender the account was kept up to date. Once the error was realized I reached out to my previous lender and was given the SLS conta ct information. I called them on  X/XX/17    ( loan was sold on  X/X/17    ) and set my account up with my correct contact information. At this time I asked what amount needed to be payed to get my account in good standing and the current balance paid. I was told an amount by their customer service rep and I paid this using their website that was received. On   XXXX   I received a call from SLS asking when my  XXXX  payment would be received. At that time I said " I 've already paid it ''. The representative on the phone was not able to research but said that the payment I made was not sufficient to make the   XXXX   payment. After researching myself I have found ov er one  and half mortgage payments were put towards my principal even though I had outstanding payments to SLS. They have charged me " late fees '' and " property inspection fees '' due to my supposed late payments. The amount they have received since  XXXX  has been sufficient to keep my account current but they are incapable of applying the funds correctly and then ask for further payment. When contacting customer service today  (   XXXX  ) to inquire about the property inspection fee I was told it was an inspection of the property due to the late  XXXX  payment ( which they had received via the previous lender ). I was being transferred to an account  executive b ut instead just hung up on. The service reps are no help and give me incorrect 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 2015-12-01
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a mailer stating if I opened a personal checking account, I would receive XXXX after two months of reoccurring direct deposits of XXXX or more. Once I went to the local branch, I was told since I am self employed and my direct deposits are n't from an employer, I would not be eligible for the promotion. I use a third party servicer and rents from my rental property come in monthly as a direct deposit. 

This does not make sense. The solicitation says " reoccurring direct deposits. '' Certainly I meet that requirement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I took a loan against my 401 ( k ) for the purchase of my home. I made a principal reduction payment, using the bank 's specific form, having selected the " principal reduction '' box. My sizable ( to me ) check was cashed on XXXX/XXXX/16 and as of XXXX/XXXX/16 the payment still has not been credited to my loan. 
When I called to inquire, I was told that it would n't be until XX/XX/XXXX before I heard back. ( That 's a week at minimum of the money not earning interest in my own bank account and not detracting from interest on my loan. ) I was also told that there were a number of different avenues to resolution, including the possibility of having the payment applied to the principal. I then asked the phone rep to check my XXXX/XXXX/16 payment, which had not been applied to the principal, rather it was applied as " pre-payments '' ( another option on the bank 's form ). I 'd previously assumed I 'd just checked the incorrect box, but due to the mis-handling of my current payment I believe the bank mis-appropriated that check also. 
I 've had numerous issues with this servicer that date back to the " how to '' call I made before making the decision to take this loan - I was mis-informed about how to make payments, full loan terms were not disclosed and not found on servicer 's website or in the loan docs. Now I can add what equates to grand theft to the list. 
I was told that my payment was sitting on a desk with a note on it that said " unprocessed. '' No, my check was absolutely processed, money processed right out of my own interest-bearing account to my 401 ( k ) servicer 's account. They likely have cost me additional interest since my XXXX/XXXX/16 payment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: U.S. BANCORP
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My housing counselor submitted a file on XX/XX/XXXX USBANK we have not heard from the USBANK and its XXXX We received the acknowledgement they recieved the file. We have not heard from them in months. We finally contacted the lender and they staed they sent correspondence out in XXXX that they needed updated documents because some docs had aged. They did not statrt reviewing the file until XXXX which is unacceptable!!! They are not following compliance when a workout package is submitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Alliance One ( XXXX caller ID ) repeatedly calls at all hours claiming that I have an alleged debt. The caller refuses to answer questions concerning this alleged debt ie : who this debt owed too, how much is it, when was it incurred, etc. The caller becomes verbally abusive and does not allow me to reply or ask for a verification of the debt. Usually after XXXX minutes the caller will angrily hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX  XXXX XXXX {$2300.00} XXXX   XXXX XXXX {$970.00} XXXX   XXXX {$0.00} XXXX   XXXX {$1700.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX  XXXX {$120.00} XXXX  XXXX {$260.00} US DEP ED XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was involved in a divorce in 2009 and had to file bankruptcy. Fifth third bank was to foreclose on a home which I could no longer afford. The property still sits as a zombie property, with the bank neither foreclosing or releasing the home. As a result, vandalism continues to occur and I continue to receive costs associated with the home, since 2009! I have repeatedly called the bank to gain clarity and find their plan but they refuse to speak with me. They tell me that they can not discuss the matter. I would like to get this off my plate, by eiher the bank foreclosing on the home or releasing so I can sell it. In the meantime, the house sits as a vacant property, bringing other home values down and has become a nuisance. Somehow, this seems like an illegal practice, but it is not. Just extremely poor business practice from this bank who contributes to community blight. How can I get the bank to dscuss or take action to either foreclose or release the house?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Bureau of Accounts Control
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Bureau of Accounts, Con  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received any letters nor telephone calls that pertains this debt. This account is unverified and immediately needs to be deleted from my all credit files -  XXXX ,   XXXX   and  XXXX .     The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt '' . If Bureau Of A ccounts does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage payment, I received a letter from Fifth Third bank stating I had until XXXX XXXX, XXXX to pay {$4300.00}. I was approved to take the funds from my XXXX and the paperwork was finalized on XXXX/XXXX/XXXX. Due to the holiday the funds were released to my account on XXXX/XXXX/XXXX. I called the bank to pay the balance owed and found out my loan was sent to the attorney for foreclosure on XXXX/XXXX/XXXX. The day before my loan was to be paid. I called the bank when I was approved from my XXXX company to report the money would be released to me XXXXXXXX business days- they then sent my loan for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Financial Business and Consumer Solutions.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I HAVE RECEIVED MULTIPLE PHONE CALLS TO MY CELL FROM # XXXX WITH NO VOICE MAIL BEING LEFT BY THE CALLER. FROM MY SIMPLE ONLINE SEARCH I HAVE FOUND THE COMPANY FBCS ( Federal Bond & Collection Service ) TO BE THE LEADING CULPRIT. I CALLED THE NUMBER BACK AND HEARD A PRERECORDED MESSAGE ABOUT AN ATTEMPT TO COLLECT A DEBT, HOWEVER, MY MOST CURRENT CREDIT REPORT SHOWS NO DELINQUENT ACCOUNTS. THE MESSAGE OFFERS TO ACCEPT AN OVER THE PHONE ACCOUNT PAYMENT OR YOU CAN SPEAK TO A REPRESENTATIVE. I KNOW THAT YOU SHOULD NOT RESPOND TO SO CALLED ROBOCALLERS AS IT MAY MAKE MATTERS WORSE. PLEASE INVESTIGATE THIS HABITUAL HARASSING BEHAVIOR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: U.S. BANCORP
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I initially filed a complaint ( Case No. XXXX ) on XXXX XXXX, 2016, after US Bank denied my request to modify my student loan because I could not afford the payments. After this complaint was filed, US Bank provided me with the opportunity to defer payments for two months so I would have time to submit another modification request. My original request was denied because US Bank determined ( using a formula that has never been explained to me ) that the debt I owe is not a large enough portion of my overall debt. I explained my monthly income would go down ( by {$1100.00} ) because I had a teaching contract that was not renewed - XXXX XXXX ( XXXX ), a collections manager, assured me at that time he would personally review the new application ( to be submitted once I had pay stubs confirming the reduction ) and that he was " sure US Bank could find a way to make it work. '' On XXXX XXXX, 2016, I mailed the updated application and supporting documentation to US Bank, and the tracking information confirms it was received by US Bank on XXXX XXXX, 2016. I had not had a response from US Bank as of XXXX XXXX, so I called and left a message for XXXX XXXX asking him to call me back with an update. He had not called back by XXXX XXXX, so I called and left another message. On XXXX XXXX, I received notification from US Bank in the mail ( attached ; dated XXXX XXXX ) that now my loan can not be modified because I make too little ( " debt-to-income and/or payment-to-income ratios indicate a payment amount that is not affordable and/or not sustainable despite applying maximum modification terms '' ). So, two months ago I made too MUCH to qualify for a loan modification ( despite not being able to afford the monthly payments ) and now I make too LITTLE to qualify for a loan modification. I immediately called XXXX XXXX and left another message, indicating I 'd received the letter and would need to speak to either he or his supervisor so I could get a detailed explanation on how this determination about my loan modification had been made. I also informed him I would be filing another complaint with the Consumer Financial Protection Bureau. I would LOVE to know how much my income needs to be in order for US Bank to determine I will qualify for a loan modification. The bottom line is that if I could not afford the monthly payments when my income was {$1100.00} more than it is now, I do not know how US Bank expects I can afford the monthly payments now. US Bank has not offered another solution to me or been willing to work with me at all. My credit has taken a huge hit because of problems with US Bank - something I made very clear to XXXX XXXX during our XX/XX/XXXX phone conversation - and I am trying to prevent things from getting worse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}

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 2019-11-26
Company: Massachusetts Educational Financing Authority
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To Whom it may concern - I decided to refinance my private student loans that had previously been serviced by XXXX to a lower fixed rate loan underwritten by MEFA/ serviced by XXXX  . 

MEFA accepted my loan application and disbursed funds on XX/XX/XXXX, XXXX did not receive the payoff ( via Snail Mail ) until XX/XX/XXXX. Both XXXX and MEFA are charging me interest on the same principal balance from the dates of XX/XX/2019 through XX/XX/2019. I do NOT see how it is legal/ possible for both companies to claim ownership to the underwritten principal. XXXX confirmed that they owned the loans until the XXXX and charged me accrued interest from XX/XX/19 through and including XX/XX/19. 

I am filing this complaint towards MEFA - XXXX XXXX ( MEFA ) sent me a separate copy of the promissory note that I did NOT receive at the time of refinancing stipulating that MEFA will charge interest beginning on disbursement date. They did not own the asset from XX/XX/19 - XX/XX/19 and  began ownership on XX/XX/19. NOWHERE in the original loan refinancing agreement stipulated any of this. 

Additionally I notified MEFA that they were refinancing the incorrect amount prior to the loan disbursement/ final refinancing approval .... they insisted they could not lower the amount ( XXXX! )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: KS
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:
When XXXX ( now XXXX XXXX  ) took over the loan ( from XXXX XXXX they would not accept XXXX forbearance agreement. Even though this was provided to them and multiple conversations occurred. XXXX went so far to attempt to foreclose on my home. Multiple people in my family receiving notification of this ( and not one person co signed so thats a privacy issue ). I tried very hard to work with the company. They would not hear me I finally contacted the attorney general who was able to stop what they were illegally doing. They have marked my loan as being in default from XX/XX/XXXX until XX/XX/XXXX appearing as though I simply didnt make payments and was severely late greatly affecting my credit score. Additionally I have reached out to this company multiple times via email and phone calls. I have discussed a modification be offered which has not occurred. I also have noticed a XXXX increase on my mortgage in under a year. There are still attorney fees they are charging me for that they have assured the attorneys general that they were removed. My interest rate is the highest its been I believe around 9 % Before they took the loan my interest rate was under 5 %. Because I can not trust this company for obvious reasons I fear they will try to do something that will harm me in some way again. I assume take action on my own, and am seeking a mortgage arrears resolution process be initiated. I would like the lowest mod possible. I can not seem to communicate with this company in a manner that is effective. Please communicate this on my behalf. 
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