BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-27
Company: Home Point Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home and went to closing on XXXX XXXX, 2016 with Home Point Financial Corporation based out of XXXX, NJ. Communications, processes and overall professionalism have suffered from that point on. My insurance payment, that was collected at closing, was sent to an unknown address, with no policy number associated with it. In turn, my insurance payment was never processed and my home insurance policy was cancelled. Home Point determined it was my responsibility to track down the missing insurance check and have it applied to the correct account. After speaking with several insurance agents and several weeks later, I was able to resolve the issue ; Home Point offered no assistance in this process. I have recently received a correspondence that states : I now owe upwards of {$3500.00} for escrow shortage or padding of the escrow account ( they ca n't explain which XXXX ) ; this would increase my monthly payment by over $ XXXX month. These are not the terms agreed upon, nor is this an industry standard. It appears that this office has yet again not done it 's due diligence in correctly acquiring tax information or providing the buyer with the correct financial terms. Had I been given an accurate financial picture I could have made an informed decision based on the presented terms or gone with a different mortgage provider. I was not given the correct terms, the office personnel, which failed on my behalf are now attempting to leave me holding their mistake. I have only been in the home for 6 months, I have made every payment on time. I can not afford the terms they are trying to lock me into at this point. I understand escrows fluctuate, but what they are doing is unacceptable. They are not providing me substantial evidence on this wild variance in escrow figures/difference. I have not been treated fairly or with respect. I am not sure how many other customers have been treated this poorly and mislead on the terms of their mortgage. It would appear these practices are out right illegal, hence my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was unaware of any collection regarding my previous cell phone provider, XXXX. I called XXXX and they told me I had a previous balance that was now in collections. I asked if it could be removed from collections which they agreed to do. I then proceeded to make a payment for the full balance of {$160.00}. 

I disputed with the XXXX reporting bureaus the accuracy of the collection being on my reports due to they did not have collection authority on the accounts. They came back as verified, and when I submitted payment verification, Receivable Performance refused to accept the documentation from the credit reporting bureaus. 

I proceeded to call Receivable Performance at XXXX and spoke to a supervisor who told me they would not remove it from my report. She confirmed that XXXX had taken the debt back. When I explained that Receivable Performance therefore did not have collection authority on the account, they should 've removed it from all XXXX credit bureaus. She said they would not do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company put a negative collection against my credit reports. The states joint account, I am not even marrieds nor involved with anyone. This is not my debt.

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 2016-04-27
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Continental Credit CTR is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ford Motor Credit is not properly crediting my customer account. In documentation, Ford requested proof of payment by customer prior to XX/XX/2016 - which was provided. 
Proof of a payment for XX/XX/2016 was also provided which should have been credited fro XX/XX/2016 instead of XX/XX/2016. 
The account should not reflect a 46-day delinquency for XX/XX/2016 and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a credit card account that I use for big purchases and I have n't needed it for about XXXX years. I received a letter from Citi on XXXX/XXXX/15 stating that my account was closed due to inactivity. I promptly called Citi on XXXX/XXXX/15 and questioned why this was done and that I wanted my account to remain open. The representative stated that after XXXX months of inactivity that a program goes through and closes accounts. To reopen my account they would need to pull my credit report. I received no prior warnings that allowed me to take action before the account was closed nor is there anything in my online agreement that states after XXXX months of inactivity my account would be closed. I asked to speak to a manager and she was just as unhelpful and reiterated that there was nothing they could do but formally request the account to be reopened and that would require pulling my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: CITIBANK, N.A.
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a Reward Debit card for purchasing XXXX tires for my car. It is a VISA Card issued through Citi. I left it in the envelope for a period of time and when I called to activate the card and was informed that it had expired and that it had a 6 month use it or loose it date. I purchased the tires in XXXX and the card expired XXXX. I did some research on a couple of websites including Wisconsin XXXX XXXX and found the information that states : " Cards given as a reward or as part of a promotion for making a purchase can expire in XXXX year. The expiration date must be clearly disclosed on the card ''. I called Citi back and talked to supervisor XXXX agent number XXXX and talked to him about my findings on the website and he informed me to go ahead and file a complaint if that 's what i wanted to do, and that Citi 's policy is no re-issues are given. I also talked to him about the XXXX XXXX XXXX web page that had a complaint from this past XXXX against Citi for a similar problem and everything that he said to me is the same as what was told to that consumer as well. XXXX said again go ahead and file the complaint if that was my choice but they would not be making any payment to me so that is what i am doing. I am probably not the only one that has had this happen and would really like to see this practice ended.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: TRUHOME SOLUTIONS, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband is a documented, XXXX veteran, retired from the XXXX. 
In XXXX, XXXX, we purchased a home in Texas where the law grants a 100 % exemption of property tax for 100 % XXXX veterans. 
Since the end of XXXX, XXXX, I have been talking with my mortgage company and sending them documents as requested, to try to get the property tax payment removed from our monthly mortgage payment. I 've also contacted my local tax office as they requested. 
From XXXX XXXX up to the present, the mortgage company has been charging us over {$500.00} per month for escrow payment for property tax. The payment still has not been adjusted and remains the same for XXXX XXXX, XXXX. 
This should have been corrected months ago, and I do n't know what else to do to get them to change it. I 've talked with them about this at least 6 or 8 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America  Loan No . #  XXXX   Phone No. #    XXXX  Monday - Thursday :  XXXX    XXXX   -  XXXX   XXXX    Friday :  XXXX  a.m. -  XXXX    XXXX     Saturday - Sunday : Closed  XXXX   XXXX  Loan  No.  #  XXXX   Phone No.  #  XXXX  Monday Thursday  XXXX   XXXX  CT Friday  XXXX   XXXX  CT Saturday  XXXX   XXXX  CT  XXXX   XXXX   XXXX  Loan No. #  XXXX  I received this information on Friday  XXXX  Fax :  XXXX   XXXX   XXXX . #  XXXX  Ext :  XXXX  Mon- Fri  XXXX  to  XXXX  PST After  5 long years of giving Bank of America all the documents they requested for working out a Short Sale the S hort Sale personal finally agreed to allow me to do a Short Sale.     Bank of America agreed to a payoff of {$200000.00} in which they would be paid in full.      XXXX  agreed to taking a loss and receiving {$2500.00} because Bank of America threw in everything they could to maximize their payoff amount and wouldnt negotiate at all a smaller amount.     Bank of America with my permission recorded every verbal transaction I made with their personal.     We still have a buyer for the house and they agreed to pay {$220000.00} and are still waiting for the Short Sale to take place.     On or about  XXXX   XXXX ,   XXXX   I called Bank of America and customer service answered and informed me that they now longer service me and they sold my loan to :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  &  XXXX ,  XXXX , CA  XXXX .    XXXX  or customer service  XXXX   XXXX   XXXX   XXXX  My question is why would Bank of America sell my loan for pennies on the dollar and take a loss when they were going to be paid in full?        XXXX   XXXX  (  XXXX  ) is my real estate agent and he is still baffled why Bank of America did that unless theres something wrong and maybe they dont have the deed or something else is going on?

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 2015-04-08
Company: Gatestone & Co. International Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A Gatestone Rep calls a " list of people who know XXXX XXXX '' in order to ask them personal questions about her. They sound like they are based in XXXX, have thick XXXX accents and mispronounce XXXX 's name. XXXX is my Mother, XXXX years old, not in a position to owe XXXX like Gatestone, ( unless a former creditor of hers has erroneously sold her closed account to this " debt collection agency. '' They call me several times a day, at all different hours, have never heard of our debt collection laws and could n't care less. Worse, is their absolute insistence on sharing my mother 's private information with ANYONE! Can Identity Theftbe far behind? When I attempt to call them back, their phone number is " not in service at this time, '' and call blocking merely shifts them to other IVR numbeers. Please stop these cretins from victimizing my mother any further. BTW..they contact former employees of my mother 's! They are the most mangy creatures currently amid an already shady industry! ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13
Company: Financial Credit Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ARA Inc, XXXX XXXX XXXX XXXX, IL XXXX keep calling us for the acct no # XXXX for my daughter who is only XXXX years old. She CAN NOT obtain any credit 12 years ago. This is a big mistake from them but they keep making harassment phone call to home every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Credit Karma, LLC
State: NM
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have never been to XXXX XXXX, CA and certainly not have applied for an Apartment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Good day, To whom it may concern, I XXXX XXXX soley submit this complaint on behalf of myself in regards to my credit report. I have recently pulled my credit report and noticed the closed account XXXX being reported as a charge off, however the address associated with this account is incorrect and inaccurate. According to the fair credit reporting act I ask this account be deleted and completely removed off my credit report immediately.I have attached my equifax credit report as proof of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My name is associated with a loan that is in the name of my ex-wife ( XXXX ). It was a consolidated student loan from 2002. When I asked FedLoan Servicing to help me in negotiating payment, I was directed to the Dept. of Education. The Dept. of Education basically pointed out that I have no loans in my name, and that there is no way for me to deal with any of my ex-wife 's loans. I hope to purchase a home in the near future, and the only potential source for negative credit is this loan, and I have no way of dealing with it. At this point, I would like for FedLoan Servicing to stop reporting the loan to credit companies, at least until I am given a way to negotiate payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Suntrust allowed a debt collector to garnish my wages, even though my wages are from XXXX ( social security ). I informed the creditor, XXXX, that I was very ill and on XXXX. I lost my job because of my health, yet had been consistently paying the creditor, XXXX before I lost my job. I called XXXX XXXX XXXX ( creditor ) informing that I lost my job and was applying for XXXX. They refused to work with me. Suntrust never sent me a letter warning me of garnishment or to confirm my source of income ( which is an ETF deposit monthly from Social Security ). Suntrust allowed both my savings and checking to be put on hold and charge enormous fees for " holding '', overdraft, and a garnishment fee. They also admitted the creditor, XXXX could see my account and explain what charges were pending. How is this possible? The bank was negligent for not confirming that my income was from XXXX or prevent the collection agency from garnishing my account or if the garnishment was legal, ensuring that the limitations on amounts by law were legal ( they charged both my savings and checking accounts the garnishmen ( so XXXX charges for XXXX garnmishment ) than placed the accounts on hold ). I never received XXXX notice giving me the opportunity to show my income was from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My unsubsidized private student loan was approved in XX/XX/2008 by XXXX when I was attending XXXX XXXX University in XXXX. Then it was sold to AES as a new servicer. I am now in my last year of dental school. AES contacted me stating that my payments were now kicking in. I told them I was a full student in my last year of dental school, and I only receive financial aid which make it really hard for me to honor payments of almost $ XXXX. All I asked AES was to postpone my payments for another year because after graduation from dental school I was planning on getting a job and it should n't be a problem making those payments then. AES said they would see what they could do to help. So, AES made me submit an application for payment deferral just to tell me later that my student loan is an XXXX XXXX and that I had an extension once with XXXX bank, therefore they could not give me an extension. 
But AES suggested that I may qualify for a hardship payment reduction, and asked if I was interested in applying for that. I applied for it stating as a reason that I was a full time dental student and could not afford the payments until I graduate in a year. AES later told me my reason for requesting a hardship was not temporary in nature, therefore I could not qualify for a hardship payment reduction neither. 
Every time I call AES, they say I have to apply for something else because I was not approved for the previous thing they made me apply for. While AES was pretending to be trying to help me find a solution to my case, it was reporting me to the credit companies as late on my payments. 
I had to use the financial aid I was receiving to pay AES and stop the damage it was causing to my credit. 
I do not agree that AES reported me as late when they said they were trying to help me find a way to either postpone my payments or lower my payments. I would like AES to remove the late payments they reported to the credit bureaus and to postpone my payments till I graduate from dental school. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America had changed the term of my checking account to add a monthly fee for my account in 2015. After I had many weeks of disputes with them and finally contacted the CFPB when they charged not only the fee, but also an overdraft fee to my account. Subsequent to that discussion, BofA contacted me and told me the fee would be waived. They 've resumed charging the fee again this XXXX and have continued after I started putting direct deposits greater than the XXXX minimum limit previously set, and I 've now noticed that they 've set the requirement to greater than {$250.00} in one direct deposit. This practice is unclear and clearly intended to mislead consumers.

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 2017-01-25
Company: Navient Solutions, LLC.
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:
I spoke on the phone with Navient about repayment options. They said I could have a forebearance. I asked if that would affect my interest rate and they said not as long as I began repayments on time when the forebearance ends. I have had a fixed interest rate of 1.75 % ( 2 % with 0.25 % benefit for automatic payments ) for at least 10 years and since I consolidated the loan when it was with XXXX. It has since been sold on a few times. Now Navient has raised the interest rate by 1 %, claiming that was a benefit and that when they read me the XXXX and XXXX it said I may forfeit " certain benefits '' of on-time repayment. It was never made clear that I had that 1 % as a benefit, nor that I would lose it. I asked multiple times to ensure my interest rate would stay the same, since it is quite low.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Exeter Finance Corp.
State: MS
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:
Exeter finance lender money for car sum of approximately {$21000.00} XX/XX/2012 with agreement of 72 month payment plan upon completion of 72 payment plan a sum of approximately {$12000.00} was still owed on vehicle therefore vehicle was forfeited to finance agency

Company response to consumer: Closed with explanation