BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-01
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
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:
I now have XXXX loans being serviced by Educational Computer Systems Inc ( ECSI ) : XXXX for a Perkins from XXXX College ( undergraduate ) and XXXX for a Perkins from XXXX ( graduate ). When I obtained my initial statement for the XXXX loan, the URL provided led me to a different portal for entry to the servicer website in order to make a payment than the one I was accustomed to using for the XXXX loan. I followed through with the registration process nonetheless and made a payment for each of my loans one after the other. In each case I was only given one option for payment, which resulted in a {$1.00} processing fee. I had no way to decline the fee and make an alternate form of payment. I called the servicer after the fact to complain about this, noting that I had never paid a fee when entering to make a payment through the other website. I requested that I be credited {$3.00} ( $ 1.95x2 ) to reimburse me for the erroneous fees charged. I was told someone would get back to me ; nobody ever did. I called again on two different occasions and was told there was no resolution to my problem ; I was in fact offered no resolution. The fact that this company has multiple URLs that do n't appear to " speak '' to one another and that have different payment options, and the fact that they default to having borrowers directed to the site where fees are charged, is predatory. I maintain my request for a credit of {$3.00}. Unfortunately, I ca n't stop making payments in the meantime because I do n't want to hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is a reported late on XX/XX/2019, I can not find proof in my records ( n=bank statement ) and online with Carrington Mortgage files that there was a late payment for that month. I have called and requested numerous times, the proof of the late payment and I have not recieved proof of that reported information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: TN
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 THESE ACCOUNTS AND THEY HAVE YET TO REMOVE THEM OR PROVIDE ANY PROOF THAT THEY BELONG TO ME.

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 2020-08-18
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was open due to my identity theft I I have sent police reports on in regards to this matter. I have contacted this company that no longer owns the debt and they continue to tell me they cant speak with me. They wont respond to a written dispute that was sent XX/XX/20.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
I had XXXX 0 % promotional balances - XXXX expired XXXX/XXXX/17 the other expires XXXX/XXXX/17. On XXXX/XXXX/17 I made a payment of {$6700.00} fully expecting it to go against the expired promotional balance which was now at 10.74 %. Instead the payment was mostly applied against the XXXX/XXXX/17 promotional balance and Chase started charging me 10.74 %. When I called and spoke to 3 levels of Chase management, I was finally told by XXXX, a Manager, that they could apply the payment anyway they want ( to their advantage ) and I had no recourse

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My manager deposited a check to my account as my paycheck did not go through for my first week of work. I never use a teller with my bank and I have been with this bank for over ten years. Bank of America charged me XXXX to use the teller. I never bounce a check and I never use a teller. I explained to them about the reason why a teller was used and it was the first time I have ever used a teller with Bank of America. I was told that they could not refund this. It is {$8.00} and they can not refund that back to my account? A bank as big as Bank Of America?? Really? This is absurd. These banks are getting away with murder and if it was not for the consumer, they would not even be in business. These banks are taking advantage of the consumer and it needs to stop. I seriously need to find a credit union. After a second call and notifying them that I was filing a complaint, they decided to refund the amount. You have to watch these banks like a hawk. Seriously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2016 I went with my mom to send a Moneygram costing altogether {$190.00} to some people who said they can make medicine from XXXX, XXXX. I visited their website & I thought they looked trustworthy not knowing they were not at all. I sent the money & tried calling them. Their phone was off but he could text. He said the package was on XXXX & he needed {$100.00} more for a shipping agency. I just cancelled & said I wanted a refund not knowing it was a scam. I called Moneygram but they were no use. So it was a scam the whole time, but I need to get my refund back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: WA
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:
Navient received a total of XXXX payments from me that were never added to my account. The money was withdrawn, but my Navient Account history did not show them. I called ( with a wait time of over 1.5 hours ) to find out what was happening. XXXX of the many phone calls I made said an extra digit was added to my social security on my end. This was just not the case. They saw the money was taken and processed by Navient, but they never contacted me or tried to add this money to my account. I accrued more interest, since these payments were not processed. After another phone call they said XXXX of the payments would get processed soon, and to wait on the other payments. None of the payments ever came through again. So once again I called. Finally they found the payments and said they will be added to my account with expedited processing request. ONLY ONE PAYMENT GOT ADDED. The other payments are STILL not being processed. The only advice I was told by Navient was to CANCEL autopay, and re-enroll in order to lower my payment amount. I followed there direction, but my interest rate when up after removing autopay. I tried to re-enroll in autopay to get my interest rate lowered again, and they said they ca n't process this for two months. I filed a formal complaint with Navient, and they stated they will put another request to process my payments with an expedited request, but still no payment has been processed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted my mortgage company Loancare regarding removing PMI and they are saying it can not be removed until 5 years. I closed on mortgage XX/XX/XXXX, so we are at the 5 year point but now they are saying it has to be done when I make my XX/XX/XXXX payment, which was done on XX/XX/XXXX, but say still can not be removed yet. I requested a payoff statement because I would rather just pay mortgage off to not be ripped off anymore and they stated " that function is not available '' hence not giving me final payoff amount which of course will continue to accrue interest until they figure out how to do it. On top of that I got a current escrow review statement and they are raising my monthly payment to put more money into escrow which of course includes the PMI which is due to be removed.

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 2017-04-06
Company: ECMC GROUP, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Premiere Credit keeps calling me before XXXX PST I have informed them to communicate with me via email because I refuse to speak with their abusive representatives. Their response is to initiate phone calls starting at XXXX PST. I just received a call on a recorded line from XXXX a sales rep, which I did not give permission because this is a two party state. The number that called was 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 2017-04-04
Company: Ability Recovery Services, LLC
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Now that they " closed '' this account that was included in bankruptcy was never reported as a charge-off off before the bankruptcy, however they 're reporting this as a Charge-offs. 
Per the FTC, if a debt was not in charge-off status BEFORE you filed for bankruptcy, it can NOT be reported as a charge-off AFTER your bankruptcy,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX my brother and I purchase a house for my grandmother and receive the deed in XXXX. In XXXX I transition from the XXXX and start working as a XXXX and in XXXX and I found out that I was behind on my mortgage payment, the payments were supposed to be taken over by my brother after my grandmother passed away I found out they were not. XXXX XXXX XXXX told me and my brother that we had a mortgage on that house they did not give us any paperwork showing that the mortgage was with them and when I tried to explain it to them that I did not have a mortgage they told me they had taken the mortgage over in XXXX. After I have asked for documents showing that my brother and I had a mortgage with this house I was told that they would not talk to me and my brother was told they would not talk to him and unless both of us were on the phone at the same time contacting them. On the that house my brother was the primary and I am a secondary. XXXX XXXX XXXX just recently on the XXXX of XXXX sold the mortgage I had on my property to Carrington Mortgage. Carrington Mortgage told me that they now on the mortgage that is on that house and they too will not give me any information showing me that XXXX XXXX XXXX originally had that house and as of right now this is affecting my job I can lose my job with the XXXX because they say we owe {$69000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: PNC Bank N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To whom it may concern : Let me begin by saying I have never been made to feel so insulted and embarrassed in a business as I was in the XXXX branch of PNC Bank. Just before closing on Monday, XX/XX/XXXX at XXXX I entered the PNC Bank above to make a withdrawal. 

My withdrawal was for over XXXX dollars. I stated to the teller that I needed at least XXXX dollar bills. I was told they did n't have XXXX dollar bills in the whole bank to give me. She proceeded to give me a combination of XXXX and XXXX with about XXXX dollar bills. I explained I was uncomfortable carrying that much loose cash on my person and was told that because of a run on XX/XX/XXXX that the bank was short on large bills. At that time I asked to speak with the Bank Manager. I was introduced to XXXX and she gave me the same explanation. This all occurred while another teller was counting 'large bill ' cash within eyesight of us. I pointed this out to the Bank Manager, but instead of acknowledging it she became indignant. I had already told the teller to cancel the transaction and went to pickup my withdrawal slip and leave when XXXX reached for the slip, instead grabbing my hand. All the while she was raising her voice like a mad person. The exchange was quickly turning ugly and so at that point I moved to leave while she loudly ordered the teller ( so everyone in the bank could hear ) not to give me the funds, thinking she was punishing me. She not knowing I had already cancelled the transaction. 

Next she shouted that I should n't touch her when, in fact, she grabbed my hand. This was her attempt to further incriminate me ; making me look like the bad hombre. I knew at this point she was trying to stir up trouble and paint me as the villain. All I came into the bank to do was make a simple withdrawal. Instead I was shouted down and treated like an animal. All while being falsely accused. I have been a loyal PNC customer for many years and I do n't have an axe to grind with anyone on the staff at this branch. In fact, many of them know me on a first name basis and we are always cordial towards each other. But it appears XXXX feels she can take it upon herself to randomly attack and indict PNC customers. To say that XXXX response was unprofessional would be an affront to the word 'unprofessional '. At the very least she needs refresher training on how to treat the bank 's customers. 

I am writing to state my treatment was unacceptable and a direct affront to me and every other customer doing business with PNC Bank. We deposit our money in your bank and expect courteous and timely service when come there to conduct business. Instead we are castigated and belittled when asking for the smallest accommodation. Consider this the lodging of my formal complaint. 

Regards, XXXX Note : since this complaint was lodged with PNC - Retail Escalations XXXX has vindictively closed my checking accounts without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Winona Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We received a collection letter from CheckCare requesting payment in the amount of XXXX which included a {$25.00} fee. The first name was in correct and the NSF check was allegedly written to XXXX for a prescription. It is very rare for us to even write checks and our accounts are not at risk for NSF. We have never been to XXXX. Assuming this is a scam collection and we will not provide any personal information to this company. What else can/should we do to protect our credit/identity?

Company response to consumer: Untimely response
Consumer complaint received 2016-10-15
Company: Mobiloans, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I requested and got approved for a {$600.00} loan from a company called Mobiloans. I told them I got paid once a month and they said that would be ok and would take out payments on the XXXX of each month. Now they want me to make XXXX payments a month. I can not do this. I called them and they said all customers were required to make XXXX payments ( minimum payments ) every month. When I tried to log in to mu account I could not because my login information was not correct. I requested a link to change my password and did not receive an email with a link for the password change. This happened 3 times in a 45 m, inute period. I called the customer service number and the representative said that I could change my payment options, but had to do this 4 days before payment was due. This is 2 days before payment is due on the XXXX of XXXX Payment has already been submitted to my bank which will not go through because I have no money in my account. I will also get charged bank fees for the returned payment and overdraft fees. I then read consumer complaints about Mobiloans, and I only wished I had done this before I trusted this company. I was in a financial bind and just took their loan. I am going to see if my bank can do anything about this, but I do n't know. 
Other information that was not made clear to me was that my minimum payment only covered their fee and would not go towards my loan unless I made more than the minimum payment. I can not do this and so will probably be paying this company forever, unless I suddenly win a lot of money which is not likely because the extent of my gambling is to enter the XXXX. I am XXXX and on a very low fixed income and can not work due to XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-10
Company: BB&T CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I recently re-opened a checking account with BB & T to go with the savings account I had with the bank. When I opened the account, I linked my savings account to the checking account for overdraft protection. I deposited the funds and used my debit card as normal. A few weeks ago I need to make a purchase with limited funds in the checking account. Mobile banking and online banking would not allow me to transfer funds from savings to checking to cover the transaction. 

A few days later, after all of my pending transactions posted, BB & T charged me several overdraft fees though I had overdraft protection. There was no real explanation given. I was charged nearly {$370.00} in overdraft fees though I had the funds in savings to cover all transactions and had overdraft protection. 

When I spoke with bank associates, I was told that they can only credit one fee ( which they did and later reversed ) and that my checking account was dormant though I had made deposits and withdrawals from the account at a branch. 

I understand paying for overdrafts if the bank pays for something for a person ; but if the person has the funds in a linked account and opts into overdraft protection, the person should not be charge such insane fees.

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 2015-05-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In 2014 I made XXXX payments by mistake, and ever since Ive been calling because XXXX of thosepayments was applied to principal when I never said that it was for the principal. Whenever I call, Imtold that everything is fine, but when I get me statement, they charge me for XXXX months and withpenalties. I always send them what is necessary for the monthI never send them any more. I needsomeone to call them and to have them tell me the truth, since theyre always lying to me. Thank you. 
Im writing in XXXX because I dont know how to write in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have updated my info with Equifax and the score that they are reporting to me is almost a XXXX points different than when my credit union ran my credit for auto loan. I do n't understand why the information is so different from what I have on my report that I got in the mail. Equifax is giving me XXXX report but when someone else run it for credit I am being denied for having so many delinquent accounts that I have gotten paid off or updated. The denial letter I got said I had numerous public records when I do not. I want to report Equifax for not reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to place a complaint against CHASE bank. Our house has been in default since XX/XX/XXXX. We initially owed only {$5000.00} and the bank started to refuse taking our payments each mortgage payment which were sent were returned. We have tried since that time to work out a loan modification with Chase Bank who is our loan provider and we are now in XX/XX/XXXX we have been battling for the past 7 years with the bank for a loan modification and have spent money on various types of agencies and have gone to also various non paying agencies as well in trying to come up with a loan modification solution. We still yet are waiting for a positive response toward a modification offer by the bank. Each agencies that have tried to help us after a year have given up and we are here still fighting. Each year there is a crisis that erupts in the family when the bank establishes a sale date for foreclosure and we go round and round trying to get it postponed and start again the same process all over again. Our family XXXX suffers from chronic XXXX XXXX XXXX, I ca n't even explain the impact of this situation on our family. We do n't know what to do, we have gone even at one point tried to declare bankruptcy to avoid loosing the house. We see others that have faced the same type of issues like us and have gone ahead toward a modification with their bank and us for whatsoever the reasons we still have not yet obtain an answer from the bank after all these years. All my mother 's savings all her life 's work have gone into purchasing this home. She is now retired and should be at peace but it is not possible because of this situation. Her work situation of course is not the same since she has now retired but she has support from us her daughters and renters in the house she is able to pay if the bank would finally come up with a modification for us. We need help because we do not know where to turn at this point of time.

Company response to consumer: Closed with explanation