BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-17
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SLS customer service told me my mortgage payments were current and I did not have to pay the XXXX XXXX payment because I had done a loan modification and the loan was current. The payments are {$840.00} each. But they require that the payments be sent by XXXX XXXX because the payments can not be paid online at their site. That 's another {$16.00}. The total payment is $ XXXX/mo. I was current until they said I did n't have to pay the XXXX Payment. I paid the XXXX payment today and went online to check the amount and it says I owe for XXXX and XXXX. I sent the XXXX payment via XXXX XXXX as usual for the XXXX Payment. I called and they said I owe XXXX months {$1700.00}. The customer service people who told me I did n't have to pay I questioned and she put her supervisor on the line too. He said the same thing, the loan was current. That call was on XXXX/XXXX/XXXX. I called yesterday and the customer service rep I spoke too said they should not have told me that and that they had mislead ( lied ) to me and she had notes in the file that they did in fact tell me that and that all their calls are recorded. She said she would get back to me because she wanted her supervisor to review the phone recording and ask me if that was ok. I am praying its not the same supervisor that lied before. I checked today and there is a class action lawsuit filed against this company in Colorado where they are located and multiple other complaints. I am sacred that I might loose my home and have been sick and XXXX last year. It would be impossible for me to move now. But based on their information my loan is current and has been since the modification last XXXX XXXX. But I think they tried and are still trying to file foreclosure on my home. The last XXXX cost me {$13000.00} on top of my mortgage and I received a new loan modification package from them yesterday. I did not ask for a modification. My loan is current except for their trickery about the XXXX XXXX payment. I 'm worried since my credit is bad because of my illness last year and to refinance would be difficult for me because I 'm self employed. And when I requested a payoff statement from them or even payment coupons they would not give them to me. The loan officer I went too said to get another loan I had to have a payoff statement. They will not give me XXXX. I 'm trapped and they are going to steal my home. 
Sincerely, XXXX XXXX XXXX

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 2016-10-27
Company: Monterey Financial Services LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving phone calls from Monterey Financial, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have contacted them to stop the calls. The looked me up and I do not have an account with them, which they verified! They have no procedure in place to stop the calls and want me to give them my social security number, which I refuse to do, and is my right!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Robinson, Reagan and Young PLLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recieved a letter marked XXXX XXXX 2015 from Robinson, Reagan, and Young pllc.The letter states that I owe {$160.00} to XXXX.I sent a letter back certified and it was signed for by an XXXX XXXX I believe ( cant make out signature and name was not printed ) on XXXX/XXXX/15. In the letter I asked for validity of this debt, copies of bills, why they think I owe this debt, and name and license number of the agent for debt collection in the state of Florida.I recieved another letter a few days ago just saying I failed to communicate with them about this supposed debt and to avoid action taken against me to call and make arangements.they did not address any of the questions I sent in the certified letter.I believe I am being scammed by this " business '' and would like some help please.

Company response to consumer: Closed
Consumer complaint received 2016-11-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the letter I wrote to SLS ( Specialized Loan Servicing ). I have called and spoke with various people for hours, had difficulty understanding the increase in my mortgage, was not provided with a clear explanation. They do not allow for call backs to me during work so I have to hold. They finally told me it would take them 6 weeks to get an explanation to me for why my monthly due has increased all of a sudden by {$200.00} ( almost exactly ) a month. 
See below -- -- -- -- -- -- -- -- -- Dear whomever it may concern at SLS, I have contacted XXXX representatives in Customer Care this week by phone ( week ending XXXX/XXXX/2016 ). There has been an increase in my monthly statement balance beginning XXXX/XXXX/2016 of {$200.00}. I was originally paying {$720.00} and the XXXX/XXXX/2016 statement showed a " Total Amount Due '' of {$920.00}. 

After not receiving a clear explanation from Customer Care, I spoke with XXXX in the Executive Services Department. She advised that this was due to an increase in the Amount Due for Escrow ( for Taxes and Insurance ). Before XXXX/XXXX/2016, the Escrow Amount Due was {$71.00} and for the XXXX/XXXX/2016 statement, the Escrow Amount Due was {$270.00}, a {$200.00} increase per month. 

I want to know what is the reason behind such a high increase per month. Is it an increase in property value, property taxes, insurance, and if any of the above, why? I believe I have a right to an explanation and a right to see the breakdown information supporting this {$200.00} increase per month. 

** Please advise immediately. 

** I have a right to a clear explanation and do not wish to be charged this amount for the XXXX XXXX, 2016 statement, unless I receive a comprehensive explanation. 

Other relevant information : my loan servicer changed and my loan was transferred to Specialized Loan Servicing ( SLS ) from XXXX XXXX XXXX ( XXXX ) in XXXX 2016. My Escrow Amount Due for XXXX/XXXX/2016 was {$190.00} when my loan was first transferred, my Escrow Amount due for XXXX/XXXX/2016 ( the next month ) was {$71.00}, and my Escrow Amount due for XXXX/XXXX/2016 was {$270.00}. 

Thank you.

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 2016-11-23
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I tried to pay off my mortgage with Specialized Loan Servicing. I wrote a check for on XXXX XXXX for the due bill based on the principal balance of my mortgage shown on my monthly bill. I received a notice that they would not accept my check because it had to be a wire transfer or money order to confirm funds. This is the same check they accept every month for the last 7 years. By depositing the check the funds would have been confirmed. Since then they sent a payoff summary for the balance with interest calculated until XXXX XXXX and XXXX late fees. I called and XXXX of the late fees were from XXXX and XXXX that the agent confirmed I did n't owe and the other was from XXXX because they would n't accept my check. I asked for a new payoff summary and she said I should pay the amount on the first XXXX and they would mail me a check for what I did n't owe. I did n't received the new summary until recently and it was n't corrected and it had more interest attached. During the first two weeks of the month I kept calling to try and get a corrected summary but could not get any help only " we sent a summary '' they would say. I since received another summary that still was n't corrected and called again and etc ... ... .. Please read the letter which shows the actual time line of events and information requested and received. I am not going to pay all of this calculated interest and late fees because of their inability to do their job. Thank You

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 2016-12-21
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I applied for a secured credit card with Discover. When I first applied they told me that I needed to upload a photo of my social security card in order for my account to be verified. I was XXXX during this time and did not have my social security card on hand, so I decided to not move forward with the account. I did not express this to the bank, but I assumed they would not approve me for the card without proper verification. Since this was a secured card, I provided my account information where the money would be taken. Four weeks after applying for the card, I saw that I {$200.00} had been removed from my account. I called Discover immediately and they told me my card had been approved. I told them to close the account immediately because I never gave verification for them to open it. They then told me they would close the account, but I would n't be able to have the {$200.00} back on my account for 3 cycles ( 90 days ). I am a college student and I opened up this account to try to build my credit. Before opening this account, I had no credit score at all, since opening this account and then closing it, I now have a score of XXXX. I never used the card, so the balance was {$0.00} and I closed the account within hours of it being approved without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Discover card filed an investigation I received a letter stating I was n't responsible for the charges on the account. Then come to note the lady gets rude and decides to keep my account closed and tells me I need to reapply for a new card. I paid whatever remaining balance was on the account and the account is a XXXX balance and they still wo n't reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My name is XXXX XXXX and I filed a debit card claim on XXXX/XXXX/2016. On XXXX XXXX I noticed that my driver 's license, credit cards, debit card, social security and pin was stolen from dorm. I also discovered that a substantial amount of money was stolen out of my bank. I immediately notified the authorities. It has been determined that my room and other student 's rooms have been broken into. My money was taken from XXXX while I was in XXXX in class. My professors have testified that I was in class when some of the charges were being done and my swipe card and survellienance cameras also prove that I was not in XXXX at the time and in fact on campus. Bank of America has refused to acknowledge my findings, police reports and statements. My bills are being shut off as we speak and this is my only source of income. I just want my funds 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 2016-10-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I closed an account with Chase due to fraud ( card ending in XXXX ) in XXXX Well I have noticed balance transfer fees. So I called Chase and this is the summary of what I was told : When you closed your account ending in XXXX the balance was transfered to the new card ending in XXXX. 
I told them they can not charge me a balance transfer fee because the account with them was closed due to fraud activity ... ..so far all Chase has been willing to do was close my account ending in XXXX and issued a new card ending in XXXX. 
I need someone 's help getting ... balance transfer fees paid back that Chase has been charging me for a couple years. When I call they have no answers for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
in 2014, Midland Credit Management alleged that I had a debt from XXXX. After filing a lawsuit against them, they determine that I, in fact, did not owe the debt. The debt was removed from my credit report. 

Last week, I received a letter from the IRS stating that Midland reported that I had received {$4500.00} from them ( reported on a XXXX ). I NEVER received any funds from Midland nor did I receive this clearly fraudulent XXXX. Now the IRS is stating I owe them back taxes for this amount ( I am contesting this with the IRS directly at this time ). 

Once again, Midland is causing me financial hardship, first on a debt that was never mine ( which they ADMITTED by closing the account and deleting it from my credit report ) and now, two years later, by reporting I received an income from them which never happened. 

I called their customer service center and spoke with XXXX XXXX, employee ID XXXX, and he stated that he has no record of them sending me {$4500.00} and that there is no record of them sending me, or the IRS, a XXXX. When I asked for a letter confirming this info, he said they can not send me one because I previously sued them. 

I have worked REALLY hard to rebuild my credit and Midland is once again damaging my livelihood. They are dishonest and need to be stopped from hurting other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX Balance : {$150.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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
Consumer complaint received 2016-03-31
Company: JPMORGAN CHASE & CO.
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 've been seeking a mod on my mortgage since hardship caused me to fall behind in 2009. That was with XXXX. It was sent to Chase, though XXXX XXXX controls the loan. Chase has articially extended this process through forcing me to apply over 6 times. In the time passing Chase has sent me a bogus foreclosure notices, denied me due process, provided bogus numbers concerning my income that do n't mesh with those provided by XXXX XXXX, presented me with a modification that was more predatory than the original. There 's more ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase Bank rejected XXXX checks that I had to use with XXXX, likely as retaliation for complaining to the XXXX about the issues I had getting a debit card for 6 weeks ( only finally received Monday ). 

I just called and confirmed they had no legal reason to refuse the checks, considering I had more than enough money in the checking account to cover them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Platinum Holdings Group, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have previously contacted the company Worldwide Asset Recovery about calling my place of employment and then speaking to my co-workers about my personal financial issues. The Rep. contacted me and then threatened me. he called my place of employment and told a co-worker that he was sending a sheriff to my home. Sometime after that I was contacted by a Rep. XXXX XXXX XXXX who initially refrained from calling my place of employment but then he began the same practice. I was verbally warned by my employer about incoming phone calls. The I received an automated Robotic styled phone call that said I was in a lot of trouble and XXXX help my soul. I researched the number XXXX and found out it was from XXXX XXXX Calling center. I also found out there 's other complaints about the same type phone call from that number. I also have in my person an email laying out threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have set up auto debit 3 times now with correct and accurate information, and it has been rejected leaving me with late payments and automatic enrollment in forbearance. I was told the forbearance can not be reversed. I do not need a forbearance nor have a asked for one I am able and willing to pay my monthly balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Greetings, I have been trying to get a loan modification for the past 5 years. I have tried to work with lawyers and the bank. The bank was mailed a check in XXXX of 2010 and they returned it. I called and offered them XXXX in a cash wire transfer and they refused and hung up the phone. Not just once, but twice!! They got a payout from taxpayers to save their businesses when I did not. Is n't anyone going to stand up to these thieves. They lost my paperwork and I have been fighting them in court for the past several years. I saved MY hard earned money to put down XXXX % for my house. I built it. They do n't care but it 's my last investment. I DEMAND that they follow the law and give me the home loan modification. 

Chase bank needs to be held accountable. If I went down the street and stole a purse, I would be in jail. Chase bank gets to pay a fine and business as usual. 
I will be contacting my Congressman. I vote. I mean it. I 've had it and so have the rest of the American people. 
I want that home loan modification that I deserve today! 

Thank you for your time and attention. At least we have this agency to stand up for what is right. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Chase card services refuses to credit me {$80.00} for work I had done with XXXX to repair my car in XXXX Florida back in XXXX 2015 ... XXXX did shappy work on my car, over charged me, and ripped me off. I then had to go to another auto shop pay them {$80.00} to get the problem corrected that XXXX created, and make the correct repair. I explained this to a chase supervisor and dispute department over the next month with no positive results. I was told it would take two billing cycles to resolve the issue and get my money back.. We are now in the 3rd billing cycle with no resolve. As a long term valued customer of chase cards and banking I would like chase to come forward in favor of my {$80.00} and credit me immediately. From what I can tell, Chase Card services do not back their customers!! I do not appreciate it. I have never in my life seen this type of business incompetence. As a Consumer I will not stand for this kind of unfair business practice. Also as a long term valued customer of chase banking I am dropping my bank account and going elsewhere. They are horrendous. 

Since XXXX charged me {$140.00} on my Chase card and even after i brought the car back again they said the work was done properly, it was not. I had to go to XXXX and Pay an additional {$80.00} to have the work corrected. I am disputing {$80.00} from my card to be credited back to me. There should be no excuses. I submitted all paperwork that chase cards requested months ago! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( XXXX ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. See XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; '' ).

Company response to consumer: Closed with explanation