BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-27
Company: STONEGATE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Lender failed to notify buyer of condition of XXXX acre property was not approved less the XXXX hours prior to closing. Mortgage Broker was in direct communication with Sellers Agent, taking verbal on amend extend. Contract expired and Buyers lost Ernest Moneys. Mortgage Broker and Direct supervisor admitted negligence and stated Company would reimburse Ernest Money. When asked for promise to be provided on official letter, received sub par email for request of internal process. The actions of Mortgage Broker were not in the fiduciary interest of Buyers, and fraudulent statements made in regards to why loan was not approved were given to Buyers. Buyers were not afforded the opportunity to seek new Lender with in reasonable time to complete transaction, before expiring.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24
Company: Direct Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been called twice to my knowledge from phone number XXXX and it is a recording from XXXX XXXX stating " federal law designates this matter '' stating failure to respond. She said the company is Direct Recovery Services. I am consistently checking my credit report and I am aware of any accounts I have in collection and with whom they are with. There is no DRS listed. They have started calling previous friends and co-workers. This is extremely aggravating and embarrassing for friends and co-workers to deal with. I have no idea how they are getting their numbers especially since I have n't spoken to the previous friends or co-workers in approx. 3 years.

Company response to consumer: Closed
Consumer complaint received 2016-12-01
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/16 approx XXXX, I went to a PNC ATM XXXX XXXX ) inside of a convenience store. The store is located at XXXX XXXX XXXX, XXXX XXXX, PA. I attempted to withdraw {$260.00} from my checking account. I could hear the machine counting the money to dispense, but the door never opened and I never got my money. I stood there for a few minutes, then spoke with the cashier of the store. He stated that service technicians had been in several times that week to service the ATM because it was having issues. I filed a dispute with the bank and was given a provisional credit to my account. The credit was later reversed and they determined that my claim was invalid. They said that the money was dispensed. I filed a second dispute after the credit was reversed and was denied a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Have XXXX loans with Ford Credit. On monthly statements, late fees are applied after the XXXX day of the month. I have on three occasions had to submit a payment close to the XXXX day of the month, where the payment ends up getting credited after the XXXX. This month, I submitted my payment on Friday night ( XXXX day of the month ) after the XXXX cut-off set by Ford. In the recording prior to making the payment, the automated assistant says payments made on the weekend will be submitted the next business day. In this situation, there is no way to submit a payment on time. The following day I contacted Ford to see if there was another method to make the payment through an agent. The only alternative provided was to submit a payment through XXXX, which would cost {$20.00}. So I either pay {$20.00} to XXXX ( per car ) or {$25.00} to Ford as part of the late fee ( per car ). I decided to proceed with the former and save {$10.00} dollars, but with a lot of aggravation. Note, I tried to make payments on the Ford Credit website and achieved the same outcome last time. I ate the late fees last go around as I did not want to hassle with it. This time I am asking for assistance from the CFPB to push back on behalf of me and other consumers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is for Carrington Mortgage Services. I recently refinanced my loan with them and provided all proper documentation including my home insurance. They did not make proper updates to their records and began sending me letters requesting insurance. After I called more than a half dozen times to correct this, they still increased my mortgage payment to reflect an escrow shortage, even though they escrowed home insurance payments that are already covered by the condo association and owe ME money! I asked for this issue to be escalated for a quick resolution but they continue to send bills reflecting the higher payment. This is the second time this has happened with this mortgage and the last time it took 2 years to get a refund back! Where is MY interest payments on those two years?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: AMERICAN HONDA FINANCE CORP
State: CO
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Honda Financial calls us five times per day every day seven days per week, after we have told them the payment has been mailed and we are just waiting for their processing. For example, we sent them a payment six days ago and it still is n't processed When we ask them for payment information about the status of the accounts they refuse to give that information and hang up the phone. We can talk with them and let them know when we are mailing the next payment and five minutes later they call again, with no knowledge of the previous conversation. They are impossible to work with. But all they do is inundate us with harassing phone calls day and night. We have sent complaint correspondence to Honda Financial expressing the problems but they refuse to respond and continue the above harassing phone tactics. They do n't even know which of our XXXX accts they are calling us about. In addition, they continually to send threatening msgs without regard to payments mailed to them, and other circumstances of these accounts,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: CAINE & WEINER COMPANY, INC.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The Debt collector Caine and Weiner contacted an emergency contact to get in contact with me. I do not feel that this was professional. The original debtor should have gave them all of the pertinent information to try and solve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was working with Suntrust Bank on a mortgage and gave them the fee to do an appraisal on the home to be purchased. They never did the appraisal and never returned the fee. I filed this complaint with cfpb a week ago or so, and someone called me from Suntrust once, told me the person they wanted me to talk to was unavailable and they would leave a message for her to call me. I told them to call me on my cell phone but they never called me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received XXXX statements for the same student loan dated 6 days apart claiming the payment on the first was past due. The first statement was dated XX/XX/2016 and the second was XX/XX/2016. When calling they had difficultly explaining why this is happening and the amount on the first statement should not show as past due. I believe this is known as short-cycling and is not permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan number is XXXX. My name is XXXX XXXX XXXX @ XXXX XXXX XXXX. XXXX NC XXXX. XXXX XXXX 2015 I mailed XXXX payments to Santander Bank. The due date for my XXXX mortgage is XXXX of each month. I sent XXXX payment in the amount of {$1000.00}. I intended for XXXX payment to be for XXXX and the remaining funds to apply to principal balance. I was told since the payment for received XXXX day after due date they had the right to take XXXX months of interest. However it did n't advance my loan due for XXXX payment. 
I was told my loan simple daily interest loan and it is not. I wrote letter asking for the note, payment history and amortization schedule. I was told it would cost around {$110.00} to {$150.00} or go to banking center. I asked about Santander Banking centers in XXXX NC. Representation at Santander said they do not have banking centers in North Carolina. 
I made a payment for the full contractual amount for XXXX in XXXX which posted before the due date of XXXX of XXXX. I received a billing statement today ( XXXX/XXXX/2015 ) which shows due next XXXX XXXX 2015. It seems the XXXX payment made in XXXX was simply taken and not given credited to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-08-03
Company: First Premier Financial, Inc.
State: CO
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collector calls repeatedly through out the day even after stating to no longer call. 
In response the collector just states that they will just keep calling. 
Which in return is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have harassed me for years trying to contact a relative who used my name as a reference. I asked them years ( at least 5 ) to not call me but they continue. The last call was on XX/XX/XXXX at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Alorica Inc.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
West Asset Management continues to call me for a debt owed by XXXX XXXX XXXX. My name is XXXX XXXX XXXX. They are calling more than once a day. Once with a person who says they will take my number off and once with a robo call that does not give me the option. I have asked then to stop repeatedly. They refuse to do so. this has been going on for over XXXX months. Recently I have had other debt collectors start trying to reach me for the same person 's debt. It think they got my number from West.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Well I first noticed a problem in 2005 with XXXX credit card bills that were not mine than another card had been issued unaware of what I was beeing asked to pay I began to repeatedly call them about bills told the to turn off the card or cards. Sent them mail. I then received notification of a car and a mortgage. I live at home watching my mother who was in hospice and ill military widow until her recent death. I also just received notification that someone tried to do my taxes from the IRS. I also looked at a judgement page were I am receiving JUDGEMENTS NOT RECEIVING ANY PAPER WORK. My name in different ages etc. It is effecting my job applications and rental applications. I tried to get a copy of my own credit report and new none of the answers because the info is not mine or to my knowledge at all. I will change my name soc what ever I have to do. Thanks for your help. Sincerely XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian reinserted a collection that was deleted due to inability to verify/validate the debt. I recently received notification via a credit monitoring alert that a new collection had been added to my account for a XXXX debt that, prior to this action, at remained unable to be verified/validated. To date, I have received no correspondence/information from Experian in regards to the previously unverified, dormant, and deleted information regarding a XXXX debt that I am not liable for being reinserted into my credit file thus causing a significant drop in my credit score. Per FCRA sec 623 I am requesting disclosure of any and all documentation that was used to validate the data and/or justified re-adding it to my credit profile. If the requested information can not be provided then I request the derogatory information be removed from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Discover card lowered my credit line on or about XX/XX/XXXX without any notification, causing me to incur fees for rejection of automatic scheduled payment. On or about XX/XX/XXXX Discover had sent me an e-mail asking me for income information, which I supplied. I called Discover on XX/XX/XXXX when I learned of the credit line reduction and they claim to have mailed me a letter regarding the action, I have recived no such letter. I have had this card since XX/XX/XXXX with no late payments, missed payments, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is reporting i owe them XXXX, it is untrue and they refuse to remove the derogetory mark from my acct

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Hello, I have contacted Experian about my credit information 14 times, through the web and several calls. The problem is the personal information that I am providing, name, address, and SS, that I am providing, does not match what they have in the system and I told them that is who I am and I can prove it. But, time and time again, they kept telling me sorry we can not help you unless I provided the correct information, which I told them that I am and they basically said, sorry we can not help you. I kept asking who I can talk to, so I can show them who I am and prove to them that who I am is the person with the SS, but they kept telling me sorry we can not help you, because the information I provided does not match what they have in the system. After the 14th call and several weeks of trying, I went straight told the person that I needed to talk to their supervisor and I told the supervisor, that the problem I having is my personal information that I am providing does not match their system and that I can prove who I am and that my SS and all information that I can provide is correct and what Experian has is wrong and I believed someone is using my SS. I asked her who can I talk to or how can I make an appointment to see someone to show them all the proof I have on who I am and get this fix, which was affecting me getting a car loan and to my surprise, after I gave my personal information to the supervisor, she said, sorry we can not help you, because the information that I provided does not match their system. Keeping my calm I said to her, I know, that 's what I told you at the beginning of the phone call and that is why I wanted to talk to you, because I believe someone is using my SS and she basically said, sorry since the information you provided does not match what is on file, they could not help me. I could n't even open a dispute because the information I have does not match their system. That was about 3 years ago and time and time again I keep getting denied credit from companies that only use Experian as their only source. The other XXXX reporting agencies I have no issues with and can view all my credit information, except Experian. I stopped trying to get this resolve, since I figure there was no help, till I read about this page that can help people like myself. 

Thank you very much for your time and quick reply,

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 2015-10-19
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Since XX/XX/XXXX the borrowers XXXX and XXXX XXXX have made SEVERAL attempts to resolve the XXXX lien dilemma with Specialized Loan Servicing. The problem begin when the homeowners sought to refinance prior to the maturity of the XXXX lien. The request was denied due to the " lack of equity '' found by the mortgage company - XXXX XXXX. Immediately contact was made with SLS to advise of the challenge prior to maturity. SLS stated the borrowers had to complete a hardship package and submitt via fax or email. The package was sent to borrowers and promptly completed in XX/XX/XXXX. The borrowers stated in supporting documents that they needed to settle the debt which they were told the file was under review for this option. However on at least 4 different occassions since this request was opened the borrowers have received loan modification packages which grossly exceed the borrowers affordability. The payment prior to the end of the maturity was under {$200.00} per month however since numerous requested for settlement, SLS releases calling for monthly payments that begin initially with {$600.00} to now over {$700.00} per month for the next 5 years. NO financial information has ever been submitted, because it is non-existent, that supports they can pay this! .Each and every time the various representatives - XXXX, XXXX , XXXX , XXXX and lastly XXXX , converse with me the do n't have the ability to comprehend what the request is of the borrowers and always ask for the Foreclosure prevention Change of Intent form. This form has been sent no less than 7 times! The borrowers have stated they would like to keep their property, submitted the settlement offer and proof of funds available to pay the settlement but this has been to no avail. I am told that the file is with the underwriter and most recently, I was told that there is equity in the home although I submitted a certified copy of the lenders appraisal which denied the refinance to include the SLS XXXX lien because of value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: ROYAL UNITED MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the market shopping for a refinance to cash out on some of the equity to pay off higher interest debt and remove MIP. I want to shop lenders on the cost to close. From what I understand if lender pulls my credit report, they should be able to provide me Loan Estimate. I originally went through my current mortgage lender and received paperwork showing cost to close, etc. This offer did n't pan out due to bank later telling me they ca n't offer cash out in Texas due to not having a physical presence there. While putting my intention out for refi via lending tree, I received calls from XXXX XXXX XXXX # XXXX @ Royal United Mortgage XXXX # XXXX. After going through all the details which I believe involved running my credit, XXXX began boasting on how much he would save me. The object here is not what lenders are saving me, but what refinancing & cashing out equity with MIP would save me. XXXX provided a proposal document with offering - however it left out all pertinent lender costs. While we reviewed his document on the phone, I asked him for a breakdown of the costs. I explained I am shopping for best deal ( costs to refi ) and would like to use document such as Loan Estimate to compare. He immediately said he could n't provide the documentation because it was a government/legal document that would hold him accountable to should the market change. He sounded irritated - said he could only go over those costs on the phone.I also referenced that its the advice of the CFPD to get Loan Estimates and shop lenders for best deal .Is this one of the reasons the change happened in XXXX 2015? To hold lenders true ( as possible ) to the loan proposal against what occurs when closing? He also tried to steer me away from the topic and tried pointing me to links on the lender reviews. I responded, " how different has the rates/costs been in the last 30 days? '' I also referred to the CFPD advice on getting Loan Estimates and shopping. He ended up telling me I was n't being smart for asking for this. I hung up on him. 

Once they run your credit ( regardless of charging credit report fee or not ) and gathered all pertinent details on myself, should n't they be able to provide Loan Estimate? 

Please let me know if my understanding is mistaken around getting a Loan Estimate document from a lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation