BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-16
Company: AMA Advisors, LLC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This all started on XXXX XXXX, 2016 when my husband attempted to pay biweekly, without asking if they accepted payments that way. This led to payments being placed in unapplied funds and the mortgage company calling about unpaid mortgage payment ; when they actually had a full payment plus 1/2 payment held in unapplied funds. We have since then made all the payments and they are still saying we have not paid, when actually we have overpaid by over {$1300.00}. Our credit has been destroyed and we have called several times to attempt to get this issue fixed, they keep saying they will call us back and that they will have someone review the payment history. I spoke with someone on XXXX XXXX, 2016 and we discovered the error on the call while reconciling the payments we made to their payment history. The agent I was speaking with stated that both our XX/XX/XXXX payment and XX/XX/XXXX payment were applied to XX/XX/XXXX. How could that be and how could they not see that as the error? they have reported to the credit bureaus that we have not paid our mortgage 3 times. I have had a pretty stellar credit history for quite some years and now my credit is destroyed and this company continues to report to the bureaus that we are not paying and they are also not finding a solution to the issue. Now my husband has made matters worse by not paying the XX/XX/XXXX mortgage payment, I understand my husband 's frustration in dealing with this company, as they have been grossly incompetent and have ruined me and any chance I have of moving on financially into any new endeavors. This company Homebridge Financial has been horrible since acquiring our mortgage from XXXX, which acquired it from XXXX XXXX. I feel like this is definitely a violation of my consumer rights and they have been unfair in how they are dealing with this issue and very deceptive in telling us they will get back to us, and someone will review the issue and so on. They have done nothing to fix this issue and this is snowballing into wrecking my life! if they continue to do this we will be ruined totally! we have attempted on so many occasions to speak with them and figure this all out and they keep giving us the run around and continue to report erroneously to the bureaus.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Finance of America Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Refinanced mortgage with eRates Mortgage ( no prior refinance experience ). The refinance was supposed to be a no-cost loan. Was led to believe by the broker that the lender credit does not have to be on the HUD and will be taken care of separately. As a result a lender credit of XXXX {$2000.00} was not applied to the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/2017, received a letter from XXXX stating it was representing Aargon Agency Inc in the collection of {$190.00} owed to XXXX. Business has never been conducted with any of the named entities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was closed on 2013 but it was re-open fir no reason by, debt collector stated it was an error

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Grossly mismanaged escrow account by Caliber Home Loans. Paying more than one homeowners insurance company in full for the year causing an escrow shortage despite multiple attempts to cancel the insurance we switched from. Consistent escrow shortages and estimations resulting in highly fluctuating payments. Inability of customer service representatives and supervisors to provide any consistent message on the variability of payments and fluctuating escrow balances. We highly suspect intentional mismanagement and fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29
Company: BB&T CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BB & T has a policy where, if the full amount of a mortgage payment is not received, they place the payment they did receive in a suspense account rather than crediting the partial payment to the mortgage loan. They leave the payment in suspense until subsequent payment is received ; they then deduct the shortfall amount from the current month 's payment and add it to the prior month 's payment and apply it to the loan and then move the current month 's payment into suspense. In our case, our payment increased due to an escrow increase ; we did n't realize that when we paid the escrow shortfall in full that our payment amount was still increasing, so we did not change our monthly remittance. As a result, we now have negative information that was reported to the credit bureaus making it seem as if we have not been paying on our mortgage at all. I believe the payment application process is an improper business practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I rented a car from XXXX XX/XX/2016XXXX did not provide a working rental vehicle and refused to swap out the vehicle in an equitable manner. I have executive elite status with XXXX and complained to the manager onsite and the corporate office. To date I have not received any remedy. I filed a dispute with Citibank and they reversed the dispute stating that they needed me to return a signed copy of the dispute. However I never received a document from Citibank to sign. I want the {$120.00} charge from XXXX reversed for failure to provide a working rental vehicle and failure to honor another vehicle in its place.

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 2016-08-23
Company: Sir Finance Corp
State: IL
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I fulfilled the agreement to repay loan in XXXX equal payments totaling XXXX. This was a payroll deduction agreement. Sir Finance continued to deduct payments for XXXX XXXX XXXX XXXX more pay periods after the obligation was fulfilled totaling {$460.00}. I contacted Sir Finance after noticing the error on XXXX/XXXX/16. I was assured they noticed the error and the refund check was mailed out on XXXX/XXXX/16. I followed up on Friday XXXX/XXXX/16 and was told to give it a few more days, but asked for my mailing address. This leads me to believe Sir Finance had no intention of refunding the overpayment difference and had I not pointed this out, never would have mentioned it. I paid XXXX in interest on a loan at 95.25 % interest. For them to steal another {$460.00} is unacceptable. I simply want what was overpaid to them or in all fairness pay me the same rate for using my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-27
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company, Ditech has been sending letters stating that we are behind on our mortgage since XXXX XXXX and has sent a notice of default when in fact we are not behind on any payments. We have spoken with customer service and they verbally acknowledge receiving our payments but will not put in writing what has been stated verbally to us numerous times ( that payment was mis-allocated and pending re-allocation and that they are having problems with their system upgrades. We are in the middle of a refinance with Ditech and are concerned that we will lose our locked rated if the payments they have received are not posted properly to our account in a timely manner. We are also concerned that Ditech will try to foreclose on our home/current loan before correcting their internal problem. We are wondering if this is a predatory lending strategy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Greene Finance Corporation
State: NC
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
My recent complaint ending in XXXX was disputed because they referenced an old paid off loan. The loan # in dispute by me is # XXXX. I was not able to " opt out '' of credit life and XXXX on any of my loans prior, even though I 'm an insurance agent myself. This loan is very large now and worth as much as my car itself. Please have them explain my current loan status, not a paid off XXXX from 2014. I understand that the insurance paid by me is purely profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: DAS ACQUISITION COMPANY, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
This complaint is in reference to case # XXXX. We received a response from the mortgage company back on XX/XX/XXXX which included them issuing us a check in the amount of {$2000.00} and as of today, XX/XX/XXXX we still have not received it. I feel a month 's time is adequate enough that we should have received it by now. 

Thank you!

Company response to consumer: Closed
Consumer complaint received 2016-11-02
Company: GREAT LAKES
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I made a payment on the due date of my loan. For some reason, there was a technical issue with the company 's website which caused my payment to not go through. Instead of notifying me within 2-3 days of my missed payment, Great Lakes strategically waited until the XXXX of the next month to notify me, causing me a late fee on purpose. They should be required to notify you within 2 days if you miss a payment. This was caused by their system error, not me forgetting to make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX, and TransUnion have not responded to my attached dispute that was sent on XX/XX/2020. They were sent certified mail and I have not received any resolution to the erroneous accounts that are present. 

Certified mail slips evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is a record of them receiving the requests with no response since.

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 2021-01-08
Company: National Credit Adjusters, LLC
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: Information belongs to someone else

Complaint:
I never received a verification of the debt. I have requested validation verification of the debt without any respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Santo Domingo Motors Inc.
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I went to a dealership on XXXX/XXXX/15 and chose a car from the few that he was willing to work with me on. He told me i had to put some sort of deposit down in order to even HOLD the car so no one else would purchase the vehicle. He also stated that he would not cash the money order until i brought the other portion of the down payment as well as the dealer services of {$99.00}. 

Less than a week later on ( XXXX/XXXX/15 ). I have realized that i can not afford to get that car as it is a luxury vehicle and way out of my price range. I called the dealer and he told me that he had deposited the money order on XXXX/XXXX/15 and i would have to wait for this to clear the bank. 

I then called the bank and was informed that the money order had actually been cashed on XXXX/XXXX/15. He refuses to have a professional conversation with me over the phone and refuses to refund my money. 

I have not signed a finance agreement or contract or anything of that matter. I do not have a car. I have nothing to show for what is going on other than the receipts and the blank page that he sent me home with to get references for this deal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Dates when Im supposed to pay the loan : XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$82.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} ** I tried talking to them last XX/XX/XXXX because they sent my loan to Wage garnishment and they said all they can do is XXXX dollars every two weeks. I agreed but I am now struggling to pay this amount.. I also think that its unfair that I took out a loan for XXXX dollars in XX/XX/XXXX and still needs to pay XXXX dollars until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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 notified TransUnion that I am a victim of identity theft and sent in all documentation

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 2021-01-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I attempted to get Equifax to fix the error on their end that is preventing creditors for being able to pull my credit. Im an trying to apply for a mortgage loan and the lender is unable to get access to my Equifax report. We have both contacted Equifax and confirmed there is no freezes or fraud blocks on my account but it is unable to be pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2015-11-09
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
NOT A DEEP INVESTIGATION. THE NEGATIVES ARE NOT MINE I 'VE LISTED THEM. 
XXXX INQUIREIES-NOT AUTHORIZED ( XXXX XXXX IS TAKING OFF ) XXXX XXXX-SPECIFIC REASON FOR DELETING-PAID OFF-INSURANCE-ID-XXXXXXXX PAID BY INSURANCEXXXX XXXX BY MEDICARE-DELETE-REASON TO DISPUTESENTRY RECOVERY-SPECIFIC REASON TO DELETE-NOT MINE ID USED TO RENT APARTMENT/MISUSE OF XXXX VERIFY WITH DOCUMENTS STATE ETCSUN LOAN-PAID OFF REASON TO DISPUTE-SPECIFIC-PAID OFFBUSINESS AND PROFESSIONAL-SPECIFIC RESON TO DISPUTE-MEDICARE PAIDXXXX XXXX XXXX-SPECIFIC REASON TO DISPUTE-PAID IN FULLXXXX XXXX BILLING-NOT MINE WRONGFUL ACCOUNT-SPECIFIC RESON TO DISPUTEXXXX XXXX-NOT MINE SPECIFIC REASON TO DISPUTE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: CITIBANK, N.A.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a Best Buy CC since XXXX/XXXX/XXXX but destroyed the card. I purchased a TV for my daughter around XX/XX/XXXX. /XX/XX/XXXX on the phone and used the account by them looking it up. I was paying on the account monthly. I was being stalked at the time and had moved several times. I had a brief relationship with a man until I realized he was not safe. On XX/XX/XXXX while my daughter and I were out for holiday he broke into my home, hiding behind the bedroom door he attached me with a phone cord trying to strangle me. It took XXXX police officers to pull him off of me. I suffered a XXXX, XXXX and XXXX, I lost my job and it took months to recover. I maintained the account paying a minimum balance. Just before moving to XXXX for our safety I realized a laptop had been purchased on the account. Not changing my address through the XXXX XXXX, I month after month contacted B.B. directly to change my address, given their C.S. reps. my inform, yet it never changed. Each time I called I would ask them to verify the new address and give it again. In the 5th month of calling, I asked to speak with manager and was told by him it was " a courtesy to receive a statement '', I said they were incompetent. After the assault I moved from the address they had on file. B. B. raised my minimum pay. and I did n't know that with out receiving the statements so it was sent to collections. In moving back to XXXX. after the man was in jail, I spoke with collections, wrote out everything sending documentation. I know the man that tried to kill me purchased the laptop on my account. I received a letter from B.B. stating I won my case, they would remove the purchase, all fees and penalties and repair my credit in 3 months. I heard nothing from them again for months until recently when called by another collection agency. I was told they sold it to them and now want me to press charges against the man for identity theft ; I refused. He will soon be released and when he does I will not run for my life again over a {$650.00}. laptop. How can this be? The letter states that after investigation they removed disputed charges and any related fees and interest. I am uploading the document sent on XX/XX/XXXX. I have spent two years recouping from this ordeal and they have added undue stress to my life and ruined my credit. Please I need your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank is promoting a bonus offer with the opening of a new checking account. The terms state the bonus will be deposited within 90 days of completing all requirements. I have completed all requirements but have not received the bonus. It is well past the 90 days since I met all requirements. I am submitting a second complaint as Citibank requested my original complaint be retracted.

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 2021-01-08
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received a US Bank ReliaCard from the Ohio Unemployment Insurance Program. I'm not an Ohio resident, have never worked in Ohio, nor have I applied for unemployment in the state of Ohio. Despite numerous calls to their fraud department, I have been unable to reach anyone or get a response. I want to make sure this account is identified as fraud and not associated with me or my 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 non-monetary relief