BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-25
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I entered in a loan modification from XXXX XXXX, with M & T Bank thru XXXX. This agreement stated the total monthly payment as of {$1900.00} ( XXXX, as principal and interest ) + Escrow ( XXXX for Hazard Insurance + Property taxes ). On XXXX/XXXX/XXXX they sent me account Projections and the projected monthly payment escrow would be {$560.00} from XXXX XXXX to XXXX XXXX. On XXXX/XXXX/XXXX they, sent me a new account projections showing that I have {$7200.00} of escrow shortage, thus the monthly payment increase in {$600.00}, it means 30 % increase payment shock. They still are sending mortgage statement requesting payment as of {$30000.00}. Even though, based on the Loan Modification Agreement the amount of {$1300.00} must be applied to Principal + Interest, the monthly statement they sent me did not apply any amount to the princiapal but to an " Unappplied Funds '' something called " Suspense Balance ''. My property taxes are paid in XXXX and the Insurance are disbursed on XXXX. The annual changes of the hazard insurance and property taxes + insurance are increased in less than 1 %, but the escrow amount, according to the mortgagee increased more than 30 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
HP Sears has not followed the correct procedures for validating a debt. I believe but can not verify that they are attempting to collect for an alleged dentist bill that was supposed to be paid by my insurance. The dentist office may have improperly billed my insurance. The dentist office told me they were working on correcting the account and then ironically HP Sears shows up on my credit. I contacted them and they would not validate that it is the dentist bill. I have requested a detailed accounting of the bill but they will not give it to me. Since they refuse to validate the debt they can not report it until I can see what it is for. IF IT IS for the dentist my insurance was supposed to be billed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Receivables Management Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am XXXX, I was XXXX on the date of a first time doctor appointment. This greedy doctor has tried to charge me {$120.00} " no show '' fee. I 'm on medicare and there is no reason a repuptial professional should be alowed to charge a fee of this magnitude to a potential new patient. Then report that ill person as delinquent to credit bureaus, putting a black mark on there report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I completed a modification, things were going well. I called my servicer to make the payment for the next month and they told me the loan had a XXXX balance. I expressed to them that there must be a mistake. So I called again to speak with management I needed to see how this could happen and no one could assist. I contacted the department of veteran 's affairs to see what they were showing and they told me the same thing. Looked at my credit report and it stated the same thing. I then contacted the lender and they said the same thing and referred me back to the servicer. I called about XXXX times just to verify what I was being told, then I requested a letter to be sent stating that fact and they sent it. I received a XXXX from IRS stating that the debt had been forgiven and that I had to file it as income. So now the Department Of Veterans Affairs, Credit Report, Letter from the servicer, and the IRS have the same information that the debt has been forgiven. Ocwen finally returns the call and says they will investigate the matter, I told them after all of this I will take it as it is forgiven when should I expect a release of lean? They said they would call back. I received a letter a few months later stating that they made a mistake and I owed all this money in mortgage payments. I contacted an attorney. I am livid. Please tell me that this has happen to someone else. I almost feel like I should n't have said anything but my morals wo n't let me do it. I do have a strong value for integrity. 

I bet they wrote it off and received a tax break, now they want to re-recoup. How fair is that to the homeowner. I am so tired of XXXX dollar companies robbing us ( the Veteran, the poor and middle class ). They should know better. This is ridiculous. They finally sent a letter acknowledging the mistake, put it back on my credit as delinquent, reported it to the VA that its delinquent and yet refuses to do what 's right. They should be made to honor the XXXX and let the forgiveness stand, they already received the tax break from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i believe Ocwen has not been forthright with dealing with my mortgage and one example is they foreclosed on my house and did not obey the judge 's order to give me a total on what i owed them during bankruptcy.My mortgage went from XXXX to XXXX and was but on loan modification that to me wasnt one because the payments where irregular and never offered me any relief.i am not an accountant but i believe i have been mistreated.my score has changed and the delinquency i has been taken off XXXX scores seem to be up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been fighting with ocwen for 3 or more years to get a modification last year ocwen gave us a trial modification so on XX/XX/XXXX we paid them XXXX then on XX/XX/XXXX we paid them XXXX and again on XXXX of XXXX before XX/XX/XXXX we start getting letters that we did n't pay so I call them and the person I talk to tells me I have to talk to my relationship manager so I make an appointment no one calls this has been going on for a year now I have a sale date on my house and I finally get some one to talk to me a week before the sale date they claim they never got to payments so I send them the bank statements they say they will investigate it well now my sale date is 3 days away and I log on to there Web site and on XXXX/XXXX/16 they say I do n't qualify for the modification so how is it that I hold up my end of the deal and they say I do n't qualify?? They are a rip off so If I want to keep the home I have to file bankruptcy or just walk away from the home what are people that ca n't afford an attorney supposed to do

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Bull City Financial Solutions, Inc
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a a unverified account from  BULL CITY FINANCIAL SOLUTIONS  #  XXXX . I had previously disputed this account. I have never done business with  BULL CITY FINANCIAL SOLUTIONS . Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that BULL CITY FINANCIAL SOLUTIONS Provide verification of the following  : 1. ) The  original Application or contract ; any signatured documents legally binding   XXXX   XXXX   to do business with said company.    2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest,   charges, or other fees placed on this account. I want to request that BULL CITY FINANCIAL SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, I recieved a letter of unpaid debt collection in which i was not aware of till 2 days ago. i recieved a bill of {$75.00} in which I do not carry a XXXX account therefor, resolting in no use for the XXXX XXXX. I want to correct the violation mistake XXXX has caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company Ocwen loan services keeps repeatedly calling our home after XXXX. They have called three times after XXXX. When we have asked them to call during normal calling hours they claim that they are. Tonight I received a call at XXXX and last night they called at XXXX. This is harassment and I would like for it to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
My mortgage company informed me of a balance of XXXX + fees on my mature loan XX/XX/XXXX. I have had contact every week with Ocwen since XX/XX/XXXX.Litton Loan turned my loan over to Ocwen XX/XX/XXXX.Ocwen is pushing for me to Modify loan without explaining fees and balance. I requested and received a payment history with dates and figures scattered out of chronological order-XXXX pages to be exact. I color coded dates/figures to find out why Litton and Ocwen has charged me late fees during forbearance agreements that they set up. I thought HUD was my protection against any agreement to charge fees that was not written? There are at least 3 years worth of forbearance agreements with late fees for each month consecutively. In addition, an average of XXXX lockbox fees are on each of the XXXX pages, plus prior servicing fees that no one can explain. My case is now being looked at by Ocwens research dept. Did Litton set me up to accumulate fees on purpose? Are there systems that out of date that a mistake was over look? Ocwen had their Ombudsman look at my initial concerns and said there was no errors found. Basically, XXXX XXXX Office of the Consumer Ombudsman sent a copy of my original loan plus a modification packet for me to modify loan. To date Ocwen will not take any monies except for the amount I mentioned. Do I have any HUD protection?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: JPMORGAN CHASE & CO.
State: VA
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:
Per my last complaint. My Chase Visa card was stolen from a gas station. Since I was not going anywhere much due to the pandemic, I didn't take my wallet out much. I noticed that I was getting weird charges from XXXX, I noticed 3 days later because I got a fraud alert text from Chase. I looked online, saw all sorts of activity on my card starting up right after the visit to the gas station. A couple of months later, I finally got through to customer service, went over all the charges that were made by whoever used a scanner to steal credit card number with over 10 charges, totaling just over {$2000.00} and within 48 hours they'd credited all those back to my account. All seemed fine. Then, about a week after that, they charged every one of those charges back to my account. I called in again and this time they told me they couldn't tell me anything about why, that only the fraud recovery team could talk to me, but that team wasn't taking any calls. My only option was to email the team email address. I emailed right away, but of course got nothing back except an autoresponder saying they've received the message and they'll call me if they want to talk. 
Another week goes by and then I get a letter in the mail. It says they've completed their review and " you are responsible for the following transactions, '' then lists all 10+ charges with the " reason '' column just saying " you received benefit from this transaction. '' The end of the letter says " if you have questions, please call me directly at XXXX, XXXX. XXXX. I'm here XXXX XXXX XXXX XXXX '' and it's signed " XXXX '' ( no last name ). It's frustrating enough that they expect me to believe that they have this specific individual available to take a call from me 75 hours a week, but what's far worse is if you call that number it just shuts you down completely. The message says " we can't talk to you right now, '' there is no opportunity to even try to hold for someone, it just tells you to email the same email where I've now written multiple times to no response, then hangs up. 
So now I'm just sitting and wondering if I have any chance at all to get this taken care of before my due date ( the 6th ), Im {$11000.00} in debt because of all the interest charges that they charged. When I talked to Chase previously they admitted that the XXXX XXXX  didnt match but, they had my card information and address. This happened a year ago. They asked me to call XXXX and have XXXX  SEND proof that my XXXX XXXX doesnt match. XXXX can not do that because they don't have a subpoena or request from CHASE to send this information. I did not have any charges from XX/XX/2021 to XX/XX/2021 on my XXXX XXXX. XXXX also said once they give the money back to the bank they do not come back for it. Those were deemed fraudulent on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sav-it collection show a debt that they say # 1 they could n't reach me, and further, it was settled with the company for {$170.00}. The company was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX   XXXX   (   XXXX   XXXX     )  Executor of the Estate of  XXXX   XXXX   XXXX  has engaged  XXXX   XXXX  of   XXXX   XXXX   XXXX   XXXX  , as her official housing counselor to submit this complaint on her behalf.     XXXX   XXXX   refinance with  Chase Manhattan w ho secure an instrument on her property located at  XXXX   XXXX   XXXX   XXXX   XXXX  in the amount of {$60000.00} on  XXXX .  Chase Home Finance LLC ( CHASE )  allegedly became either server or trustee, unfortunate we can not identify which posi tion Chase had t itle because there were no filing or recorded assignment of mortgage on file. We declare that a foreclosure was file on  XX/XX/XXXX  b y Chase Manhattan.   During this time,   XXXX   XXXX   was actively making her mortgage payments while the foreclosure was proceeding. Her monthly payments starting from  XXXX  until  XXXX  which means that she was current. During the foreclosure,  Chase Manhatta n filed a fraudulent assignment of mortgage to the  XXXX   XXXX   XXXX   XXXX .  Chase Manhattan  merged with  JP Morgan Chase  after they were shut down in   XXXX   XXXX  . They intentionally proceed with this illegal foreclosure transaction under  Chase Manhattan.  A judicial deed was recorded  XX/XX/XXXX  address to  XXXX   XXXX   XXXX   XXXX  stating that  JP Morgan Chase  convey to    XXXX   XXXX  . Once again there are on recorded documents claiming any of the stated mortgagee name as owners of said property. After the closing of  Chase Manhattan  failure in  XXXX  there were never any Assignment of Mortgage recorded conveying the property.   XXXX   XXXX   has challenged the courts informing them that she was making her mortgage payments and could not understand why she was in foreclosure she had no idea where her payments where been applied. She has contact all the government agency to inform them of this intentionally fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My mother was preparing to purchase a home. She received an email from lender instructing her to wire funds to a certain XXXX XXXX XXXX account. She wired her down payment/closing costs totaling {$57000.00} on XXXX from our joint Chase bank account to a XXXX XXXX XXXX account. Two days later, at the closing for the house, she is informed by lender that they never received the funds and that they never sent us email with wire transfer instructions. That 's when everyone discovered that someone had hacked into lender emails and sent a fraudulent email in an attempt to defraud my mother of this money. We immediately report the incident to Chase and to the FBI. Chase opens up a case # and initiates a wire recall request. A few days go by and no word from either Bank or the FBI. I have yet to hear from the FBI and from what I understand, the amount is too small for them to get involved. So, I reached out to my local police department and continued to follow up with both Chase and XXXX XXXX XXXX. XXXX XXXX XXXX informed me that they had flagged their customer 's ( receiving ) account and successfully frozen the funds on their customer 's ( fraudulent ) account. They also inform me that they are willing to transfer the money back to our Chase account and that they only need Chase to sign off on a " hold harmless '' letter. I reach out to Chase again by phone a few days later and to my surprise, I am informed that they ( Chase ) have cancelled my recall request and closed my case. After my initial shock, I drive to a branch and ask a Chase banker to double check the status of my case. They inform me that case was indeed closed because they were not willing to sign off on the hold harmless letter. I plead with them to reconsider, stating to them that I am their customer and that the other bank is willing to cooperate and send the money back. Again my own bank refuses to assist saying they will not be signing any letter because there was no fraud on their part. At this point, I am in disbelief that my own bank dropped the ball on us and did n't even have the decency to reach out or call at any point to inform me of their decision. If I had not called them asking for a status, I am not sure they would have ever reached out to me. It seems that the receiving bank is more interested in working with us to prevent this fraud than my own bank is. XXXX XXXX XXXX offered me an alternative by having a police report sent to them ( which I 've done ), but still unsure that this will resolve the issue. I am deeply appalled by the treatment and lack of concern by my own banking institution. Chase would rather sweep the issue under the rug and needlessly avoid resolution than to take care of their own customer. Again, the receiving bank is willing to cooperate and send the funds bank, but it 's my own bank that lacks any sense of duty to assist or prevent fraud by leaving its own customer out in the cold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage lender started foreclosure proceedings then stopped short of a sheriff 's sale.then they turned everything over to a company called ocwen a debt collection agency. my husband and I purchased the house in XX/XX/XXXX as a retirement place for the XXXX of us. they also sold us an insurance policy that would pay off the house in the event one of became deceased. My husband became ill and later passed away.I contatcted Option 1 the mortgagor at that time as well as the stated insurance company I sent the death certificate I was told that was not what the policy was for.Fimally icould not make the payments without my husbands income the house would sale for what was owed on it.They would not allow me to return the keys in leiu of foreclosure I moved into my sisters home as I could no longer pay nor could I maintain.. XX/XX/XXXX I submitted a hardship affidavit and they allowed me to list the house with a realtor they will not accept any offers citing the are too low.In the meantime they continue to harass me for money I do n't have.I afraid to answer the also send several letters a month with ever increasing demands for payments. 


















they want over XXXX XXXX dollars amonth at this time.I do n't have the money I do n't know what to do I made my last payment XX/XX/XXXX.that was the last of the insurance money from my husbands death.the house is empty and still in mine my husbands name.

Company response to consumer: Closed
Consumer complaint received 2017-05-04
Company: AES/PHEAA
State: TX
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:
I have been payin g American Education Services f or my student loan for a little ove r 10 yr s. Original loan amount was abo ut 52k an d  after 10 plus yrs of payment, it is now  XXXX . My loan details says that I have paid over 20k in interest. How is this possible?!?!?! I have never been late and made early payments but yet I still owe  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: MRS BPO, LLC
State: AL
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:
New collections on report. The accounts were previously listed as closed and no missed payments. Do n't understand how they now can be listed as a collection. I paid a law office to handle my creditcard and private student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: HONOR FINANCE, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the balance with   XXXX   and Honor  Finance s everal times. My balance for a vehicle that was included in bankruptcy is still showing as  XXXX . My balance should be {$0.00} due to discharge of a bankruptcy where the the balance of this vehicle was included. I am requesting them to update this amount to {$0.00} immediately it is affecting my credit.

Company response to consumer: Closed with explanation