BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-14
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint they responded to you but seems they are still charging me a {$60.00} fee over my normal payment. they cashed two payments that I subtracted the {$60.00} from but did not apply and charged a late fee. 

I am unemployed, have no phone and am out looking for work. Of course I did not answer my door but that does not give a takeover lender the right to charge me. Send me a letter. they do not have the right to assume everyone has a phone or a computer, I do not I am writing from a friends home and that is not always the case. 

I show my payment as {$1900.00} so how many {$60.00} charges are they adding. That is what needs fixing. I mailed XX/XX/XXXX payment on XX/XX/XXXX and they still have not applied payment yet I put the contentious {$60.00} in the payment so why is it not applied yet for XX/XX/XXXX. 

These folks are overcharging me late fees when they have the proper payment per my records as the {$60.00} was added and not removed in XX/XX/XXXX seems they are feeding you a story as I have paid {$1900.00} for months and then they added the $ XXXX.to this payment I am looking at my XX/XX/XXXX statement and they have the XX/XX/XXXX payment of XXXX in suspense with an added late charge of XXXX How, the payment went up when they supposedly added this door knock charge? send a letter if you want a response that is what real businesses do. I am so disgusted and I want help. 
If the payment is XXXX then they need to explain it better and I will send the difference but they can not keep my money AND charge me late fees I am not a bank. They need to be a bit more transparent on their charges and they are vague. How does a payment go up without a breakdown. The current breakdown shows a XXXX payment then the statement comes as XXXX what am I supposed to think. I refuse to pay late fees do to their non transparency. If my payment is XXXX fine, I want a breakdown. Since my Taxes are under {$6600.00} annually why are they collecting in escrow {$7100.00}? where is the transparency. 

Have them send me a letter if they have questions, it is not ILLEGAL in California to not have a phone. very sad. Please have them send a bill showing the money I owe for which I believe is {$120.00} but will refuse a late charge as I was on time and wrote on every statement for an explanation and received nothing but more nonsense that they sent you. I also do not believe it is legal to charge more than what the taxes actually are in an impound account but yet they are If they paid {$4400.00} for my taxes as the bill is {$3200.00} twice yearly. Have that explained also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
They keep dening me of a loan modification after they request several documentation and I provide them all I ask if the could lower my mortgage because i could no longer afford to pay XXXX because my husband was diagnose XXXX and my son die and i had to bury him from out of pocket because i did not have insurance for him. My husband is now working while doing 3 days XXXX and i have XXXX job and selling XXXX XXXX so we can afford to pay our mortgage i just need to stay in my house of 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Performant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Performance Recovery levy my payroll. I wrote them a letter indicating that i do not owe them any money, nevertheless, requested that they submit to me signed copy of the contract, cancelled checks, and any other documents that might indicate that Iinitiated this loan. As indicated to them the federal law suggests that they should respond back to me within 30 days. They did not respond back, instead, a new levy was sent to my employer to continue the levy. this is causing a financial burden. My employer indicated that they do not know there is a federa law that protect the consumer. 


XXXX XXXXPerformant Recovery, XXXX. XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX I received a garnishment from my employer, concerning a debt from you. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 
Be advised that I am not requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Provide me with factual evidence that I have any legal obligation to pay you. 
Please provide me with the following ; *What the money you say I owe is far*Provide me with copies of any judgment if applicable*Explain and show me how you calculated what you say I owe*Identify the original creditor*Prove the status of limitation have not expired on the account*Show me that you are licensed to collect in my state ; and*Provide me with your license numbers and Registered Agent. 
You should also be aware that sending unsubstantiated demands for payment through the XXXX Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This number called my cell numerous times ; XXXX called today at XXXX,, XXXX XXXX, 2015 from American Capital asking for my daughter, who is a minor. I do not owe anything. All my bills are paid. I have excellent military insurance that give me a co-pay to pay which I have to do before services are rendered. I have repeatedly made this clear. I keep getting fraudulent calls and placed into collections for co-pays form XXXX XXXX XXXX XXXX XXXX of XXXX on XXXX XXXX. I have called back many times and are being harassed and bullied to pay expenses I do not owe. I have already paid several co-pays XXXX or that I do not owe to stop the XXXX billing practices, bills and phone calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In the last 5 years, I have been employed as a XXXX, paying my student loans very regularly. Prior to that when in between jobs, finishing up a XXXX Degree and beginning my adventures in paying student loan debt, I was unfortunately misguided and put trust in a company called Navient, formerly known as XXXX. Essentially, I was steered into forbearance as I was only given XXXX options : pay the unaffordable amount they had requested or go into forbearance until I could make enough money for monthly payments as high as they had requested. This was before any program related to gradual repayment planning was offered. During this time, I did take on the forbearance option as I had no other choice, and I was n't exactly well-informed of the accrued capitalized interest that I was signing up for. 
Later when I was able to enter in a program with a steady job, I was eventually enrolled into a gradual repayment program, which put 75 % of the money I thought was going towards student loans into the interest. Meanwhile my student loan debt/interest accrued. When I inquired about any alternative programming ( income-based payments for example ) this past XX/XX/XXXX when my loan increased immensely again, they told me I had XXXX options : Forbearance ( which was suggested ), continue in my very costly ( but beneficial for Navient ) plan, or pay what I now owed, which was almost double the cost of my student loan payments. I did n't qualify for the income-based repayment plan. After reviewing the numbers with my father, we found that my loans have almost doubled since I have been making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: AZ
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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a notice from my credit monitoring service that Commonwealth Financial has added a derogatory ( collections ) account on my credit profile with XXXX. I have never heard of this company, never received any collections notice nor notice of right to dispute as required by federal ( FCRA ) and California ( CCRAA ) law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I registered as a stufent at XXXX college. I was unhappy with the school and decided I wanted to withdraw. I approached the office and ask what the procedure would be and they told me I needed to see a staff member by the name of XXXX XXXX. I proceeded to do so and filled out all the appropriate paperwork. I was told I would not be charged since I only took XXXX class. Apparently XXXX XXXX was let go the following day after my withdrawal and did not complete my withdrawal so they proceeded to not only leave me registered they also signed me up for other semesters and charged me. I approached the school and they acknowleged their error but the principle XXXX said there was nothing they could do even though they clearly acknowledged they Made the mistake. They also tried to accuse me of taking courses and being in attendance which was an utter lie and they made the mistake of saying i attended a class during a time where i had proof I was not even in the State the entire month. I was basically told sorry and too bad your stuck with the debt so pay it or have bad credit. I have a family and I want to buy a home. I did not take these courses and followed all the right actions. This has truly hindered my credit rating and ability to purchase a home. I feel helpless and like I have no one to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from Ocwen stating that home equity line was maturing and I would be able to make payments to pay this off. ( this is standard with many institutions ). But upon maturing I was told that the full loan amount was due in full. I tried to refinance with Ocwen, but they told me they do n't do the refinancing and referred me to XXXX for help. XXXX took about three weeks to contact me back. After submitting all the needed paperwork I was told they could n't help me. I then tried to apply for a loan modification or Mortgage assistance through Ocwen, again after submitting all the paperwork they requested I was told someone would contact me in 3 weeks. When I finally talked to someone I was told that the loan has matured already and they could not do anything for me. I was told I would receive another call in 4 weeks. I thought they were going to try and figure something out for me, but when they did call I was asked if I had the money yet. I asked why are you taking so long with the communication and did not receive any answers to that and scheduled me at another 4 week wait for a phone call from my relationship manager. 
All the meantime of there postponing any type of help they were reporting delinquent payment to the credit agencies and adding interest to the balance. I was trying to apply for another loan from banks, etc. but no one could help me because of these bad marks on my credit. In the meantime i had sent XXXX payments to Ocwen but they were returned to me. I feel Ocwen was purposely delaying any assistance to me so they can report negative actions on my report. This would inevitably cause me to not be able to repay the loan and finally they can foreclose on my property. It seems that Ocwen wants to foreclose on properties so they can make more money on the backside of the sale. I should have been given time from my first contact with them to arrange payments without being reported delinquent. After all it was Ocwen that was taking there sweet old time not myself. I had to hurry and collect all the savings, retirement money I had, borrowed from family ( which is embarrassing in it 's own self ), also I had to take advances from some credit cards to finally scrape up enough money to pay the loan off. I 'm sure i am not the only one they tried to push out of their homes and they should be held accountable for it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
HARDSHIP LETTER : XXXX XXXX, 2015 '' Helping Homeowners Is What We Do! '' Says Ocwen. 
How is Owen helping me by giving me a debt of {$1000000.00} on a home that Ocwen appraises at {$260000.00} when the market value is less than {$200000.00} and making me pay {$3100.00} per month on a home that would, at auction/short sale only realize {$150000.00}? 
In my hardship letter dated XXXX XXXX, 2015 I provided you documentation that showed the original loan was predicated on a fraud perpetrated by the broker and " HIS '' appraiser. 
Ocwen 's mortgage is 4 times more than Ocwen 's appraisalOcwen 's Loan Modificationis based on a loan debt to Ocwen in the amount of : {$1000000.00} Ocwen 's appraisal for the value of the property is : {$260000.00} XXXX XXXX appraisalXXXX {$220000.00} Auction/Short Sale ( per XXXX XXXX ) XXXX $ XXXXI now refer to your letter dated : XXXX XXXX, 2015 in which you responded : Please note that Ocwen was not involved with the origination of the loan and therefore Ocwen or this Office would be unable to comment on matters related to origination.. 
I quite agree that Ocwen is NOT responsible for what happened on the original fraudulent and unethical loan. Ocwen has a wonderful motto : Helping Homeowners Is What We Do! '' How can Ocwen be helping me by making me pay {$3100.00} per month on a home that Ocwnen 's own appraisal says is worth only {$260000.00}?? 
But Ocwen is NOT helping me by perpetrating and enabling the origination of the fraud to continue. If Ocwen really wanted to help, Ocwen could mitigate this " ongoing " fraud in consideration of the true value of the home which is less than {$200000.00}. 
Ocwen states in Paragraph XXXX line # XXXX : " the market or appraised value of a property does not have any bearing on the terms of a modification, '' Do you not realize that you are setting up your investors for a major loss? I can absolutely assure you and your investors that the appraised/market value will have a great deal of bearing when and if the property goes to auction / short sale. 
Professionals in the real estate business ( XXXX XXXX ) advise me that " no sophisticated buyer '' will pay more than {$150000.00} for this property ; I have provided you documentation in my previous communications in support of this. 
I am offering to take on a new loan modification based on a realistic property value of {$200000.00} and/or an arrangement to stay in the property for $ XXXX {$1500.00} per month. 
Sincerely, XXXX XXXX XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We requested forbearance on our property in XXXX of XXXX. In XXXX of XXXX, we completed the online form ( per mortgage servicer 's request ), to remove the forbearance and do a loan modification on the file. We were told to expect documents to sign off on within 30-45 days. Since then, we have called in at least 30-40 times ( 2-4 times per week ). We've requested an escalation of our file a half dozen times. We have spoken to dozens of supervisors, " customer allies '', etc trying to get them to move on this file, and we still have not made any progress. We are beyond upset and frustrated. The company keeps telling us that the file is in underwriting or with the attorney 's office. Sometimes they say the documents are being XXXX  XXXX to us, and other times they say that the file has been escalated internally. It's been 7 months. They finally told us our documents were ready, and we'd get an email within 48 hours with them. It took 3 more calls and 8 days later before we received those documents ... that were dated for XX/XX/XXXX with a submission deadline of XX/XX/XXXX. We received these documents on XX/XX/XXXX. This is unacceptable! We don't know where to turn for help, but this company is holding this house hostage! We can not sell it. We can't refinance. We can't buy a new home. We are trapped under this pile of incompetent bureaucracy and need SOMEONE to PLEASE help us and do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I was told by my bank that they did n't accept money orders via mobile upload. I did however upload them. I did n't see the deposits on my account so I went to a branch and had the deposited. Suntrust cashed XXXX sets of money orders and then they closed my account. After I withdrew {$1000.00} I had a balance of {$40.00} well they charged me all types of fees and told me the money orders were no good. I contacted the money order issuing company and confirmed the money orders were good. I have yet to see my {$40.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18
Company: AES/PHEAA
State: TX
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:
In XX/XX/XXXX I filed paperwork to be put on the cheapest repayment plan based on my income. Instead, they placed me back on the plan I was on. I have called multiple times and was told yes this was their error and it would be fixed. I had to resubmit paperwork twice. It is now XX/XX/XXXX, I spoke to them yesterday and they said they made another error and it will be XXXX before I can begin making payments. I am wanting to make payments to count towards the public student loan forgiveness. Almost {$1000.00} in interest has accumulated since their error in XXXX and they are refusing to refund me that amount. 

Also, in XX/XX/XXXX and XX/XX/XXXX I made 11 payments under the IBR repayment plan which would qualify for XXXX. After I submitted paperwork, I was told only 2 payments qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: AES/PHEAA
State: IL
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 applied to pay my loans through XXXX. During the application period I had XXXX payment to make, but was advised by the FedLoan Servicing not to make this payment because I would be placed on administrative forbearance while my application was being processed. However, FedLoan later decided, without notifying me, that I was not eligible for administrative forbearance, which let my account slip into past due. I noticed this on my own, again receiving no notice from FedLoan, and called FedLoan to figure out why the account was now past due. A FedLoan employee advised that the paper work for my administrative forbearance was not correct and that he would re-do the paper work so that administrative forbearance would be applied and my loans would not be past due. Again, this never happened and I was not notified until my account was now 90 days past due. FedLoan reported the 90 day delinquency to the credit bureaus and my credit score drop from XXXX to XXXX. Shortly thereafter, my XXXX application finished processing and the previous payment that I owed ( and was falsely delinquent ) was removed from my balance. I never had to pay it, once the XXXX application processed. However, the damage was already done as FedLoan falsely reported that I was 90 days delinquent and my credit score has gone from Good to Bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: SYNCHRONY FINANCIAL
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:
Account is reporting to credit bureaus and I am receiving statements in the mail Account is not mine and is a result of identity theft Previously reported to creditor via mail with identity theft reports

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