BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-09
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company is charging me excessive escrow amount. I bought my property XXXX, XXXX. This was a new building. The taxes on the land only was XXXX per XXXX. In XXXX the property was assessed and the additional amount for the improvement was XXXX covering XXXX XXXX to XXXX XXXX an eleven month period. my total for XXXX was XXXX and my XXXX estimate is XXXX. Their escrow analysis shows my taxes as {$18000.00} which is wrong. They use the XXXX as taxes for XXXX and as added assessment for 11 months. I have been trying since XXXX to explain but and have my escrow at an accurate amount but they refuse to have an accurate amount. 
Thanks for your help in this matter. 
My Mortgage company is Ditech, XXXX XXXX TX. Tel. # XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Global Lending Services LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my vehicle on XXXX 2021. I paid {$5600.00}. I was told that I would receive my title in the mail within 45-60 days. It is now XXXX. I have called global lending services several times and have been given the run around as to why the title has not been sent to me. They are now saying that I need to do a lien release and go to dmv. Thats not the proper procedure. If I paid my money, then they are supposed to release the vehicle title because I am the sole owner of the vehicle now that it is paid off. This behavior is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted a PSLF form in XX/XX/XXXX I called XX/XX/XXXX Fedloan said they were still processing and were waiting from Federal Student Aid for Employment certification. I contacted the Federal Student Aid and was told that was not true in fact Fedloan handles all ends of the certifications. 

This created distress and further anxiety as I never know what form will work for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I was starting my small business in XXXX XXXX about two years ago. I ordered an XXXX computer using the Barclay credit card which offered what I thought was 2 years no interest. It turns out it was XXXX years deferred interest. This was not clear to me at the beginning nor was the amount I would end up be charged in interest if I only paid the minimum payment every month. I was n't made aware of the coming interest charge until a month before the deferred interest kicked in. The interest charge on my XXXX bill was a {$1500.00}. 

I have struggled to keep my business afloat in a tough market in XXXX of the most expensive cities in the world. I am a XXXX. My rent and expenses are a burden. Suddenly, I have been hit with a over {$1500.00} interest charge. Its a disaster for my business and for me personally. I believe the terms on these cards need to be VERY CLEARLY stated to people interested in using them or out-lawed all together. That XXXX, the most profitably company in the world, does this to small businesses and everyday consumers is a disgrace. I fully expect to pay interest on credit but this is just a dirty trick.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Credit determination

Complaint:
I opened an account with XXXX and applied for there XXXX CARD which is essentially with Syncrony Bank ( GE Capital ). A few months ago I purchased a cell phone from XXXX and had nothing but issues with it, Returned it under XXXX 's no questions asked policy. Due to poor communication the return became a dispute, immediately afterwards within a day I notice my available credit is reduced by syncrony, and found others have similar experiences of having there credit reduced or accounts closed for simply excercising XXXX 's return policy. I had always paid on time, and often paid 30 % or more of the balance. Never paid late. Yet the action taken by syncrony has damaged my credit rating and all I did was pay on time. I have paid off my balance and want them to reverse the previous limit reduction, and then close my account so that my credit score is restored to what it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I bought a house and closed on XXXX/XXXX/XXXX. At the time that we bought the house the taxes per year were {$900.00} a half because there was a tax abatement that we were not made aware of. The title company collected the {$900.00} from the seller XX/XX/XXXX. We have just received our tax bill for XX/XX/XXXX and the bill is {$1500.00}. That is about {$640.00} more than was expected. I called my mortgage company and they have stated that they paid it, but our payment is going to increase by over {$200.00}. I called the title company and they stated that they are not responsible because they based the tax on XX/XX/XXXX. I can understand that the taxes have gone up even though no one has explained the abatement to me, but for me to have to pay the {$650.00} in tax for a time period in which we did not live here is unacceptable. I would like to be advised on what I can do with this issue.

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
Consumer complaint received 2022-10-14
Company: Stellantis Financial Services US Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
After being denied a job I found out that this account with the first investor was charged off and I have been in contact with them stating this is not my account and I have never owned a XXXX XXXX XXXX. This car has two names associated and I have no idea who, why, and where this car is. I have never seen this car. They provided me with more information on where it started and disputed that as well. This is fraudulent, someone took this loan out using my information and name. 

I have added a fraud alert on my credit, doing this step and doing a police report to clear my name on this. 

They are suing the wrong person.

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 2016-02-24
Company: BB&T CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX/XXXX/2016, I received an email from by banking institution which is BB & T bank. It stated that I over drafted my checking account. I thought this could not be possible as I had {$1600.00} in my account and my federal tax refund coming in at the same time which was over {$3000.00}. Upon calling BB & T, they stated that yes in fact I did have {$1600.00} in my account in the XXXX of XXXX/XXXX/16 however, their system pulls all debits first and then posts the credits to the account. Even in the debits and credits hit the same day, the debits are always pulled first. Therefore because I had all of my bill pay items hit on XX/XX/XXXX, my account showed a negative first because the tax refund hit my account after all the debits are posted even if it was the same day. I am so frustrated with BB & T. This is just a way for them to make {$36.00} from someone who has way more funds in their account than what they are spending. I feel like the need a 24 hour hotline just so you can call and make sure your purchases the night before wo n't exceed your direct deposit in the morning. I never thought I would get an overdraft fee at the same time when I have {$4800.00} sitting in my checking account. In some way this has to be fraud.

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 2022-04-15
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I opened a dispute with Netspend regarding a service I paid for that I did not receive. I paid for the service on XX/XX/XXXX, Im the amount of {$2000.00}. 


The company refused to refund my money, I submitted text messages, voice recordings and a timeline of of events to Netspend of communication between myself and the individual/company. 

Netspend did not honor the provisional credit while on my dispute results, I was told to call back in 10 days. ( XX/XX/XXXX or XXXX ) I called back and Netspend told me to call back XX/XX/XXXX and that I did not qualify for the provisional credit. I could not get a clear answer on rather or not they attended a chargeback on the individuals/company account.

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 2021-06-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has cost my credit score to plummet substantially. They have as of today  XXXX   XXXX ,2017 removed my    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  ,  XXXX   XXXX    is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I am also an authorized user on  XXXX   XXXX   XXXX  credit cards that they have removed and I am also an authorized user on a  XXXX   XXXX   XXXX  credit card that they have also removed. I have contacted all the  Data Furnishers and they have all re-reported the accounts and Equifax has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken car of ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/2021, I used the Chase Ultimate Rewards portal to purchase a three night stay at the XXXX hotel by XXXX in XXXX XXXX for XX/XX/2021 - XX/XX/2021. I redeemed a total of XXXX points for the trip, equivalent to {$380.00}. 

Upon arriving in XXXX XXXX, we discovered that the hotel property was inaccessible, and had apparently been closed for months. I was fortunately able to find one remaining vacancy at the nearby ( more expensive ) Downtown XXXX hotel, and later in the evening was eventually able to make my first complaint with Chase Travel for a refund. The Chase support team was unable to make contact with the XXXX hotel ( since it was, of course, closed ), but told me the investigation would proceed. 

On XX/XX/2021, I received an email update that said Chase had " made multiple attempts but are still in the process of making contact with our travel partner for your refund. Please expect an email update from us within 72 hours. '' I followed up on this notice with several direct messages to Chase Support 's XXXX account, and was told their " Travel Team '' would be in touch " in the next 2 business days. '' On XX/XX/2021, I received an update that " We have advocated your case with XXXX, a XXXX  Collection by XXXX and due to their policy in relation to your reason for cancelling your reservation, they have unfortunately denied your request. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: U.S. BANCORP
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX loan through US Bank was not being reported to the Consumer Reporting Agencies. Satisfied, Paid In Full, With No Missed Payments ... XX/XX/2014 XXXX ( This Loan Was Not Included In The Bankruptcy Filed XX/XX/2014 )

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 2015-06-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
NAVINT has a debt against me. my concern is XXXX calls a day. despite the fact that i have stated I am unemployed to NAVINT. My further concern is these calls take place before and after times regulated by the federal government for debt collection. now they are calling my former employer, which I understand to be against the law. they also call my parents who never co-signed a loan. I have provided my contact information to NAVINT, yet they persist in contacting persons not responsible for my debt. I had a contract with NAVINT 's parent company XXXX XXXX ; which called for {$500.00} each month. this was a modification of my loan payments. before a year of steady payments was completed, my debt was transferred to NAVINT. I accuse NAVINT of violation of basic contract law, XXXX XXXX has transferred the debt to them in order to breach a valid contract. NAVINT is now intends to foreclose on my student debt. I request a single point of contact from NAVINT and a repayment plan via US Mail, which they refuse to consider an acceptable form of payment. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: ACIMA CREDIT, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {$1000.00} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {$500000.00}, or one percent of the collectors net worth, whichever amount is lower. 


The attachments that are enclosed are not downloadable and no valid link to click on to view. Just because you show a lease agreement does not mean or constitute its legally mine. 





Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Shapiro, DiCaro & Barak, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2014, XXXX XXXX XXXX , XXXX was [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ). The recorded/filed Assignment of Mortgage currently being used was robo-signed by robo-signer XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX did [ n ] ot exist on XXXX XXXX, 2014 and XXXX XXXX was [ n ] ot an employee ( Assistant Secretary ) of XXXX, XXXX on that date. XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, 2014. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, of Shapiro, DiCaro & Barak, LLC are attempting to foreclosure claiming ownership based upon the above referenced information and a robo-signed Assignment of Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I, XXXX XXXX XXXX ( DOB : XX/XX/XXXX debt collector for credit card that I contend was erroneously sent to collections, as I had established auto payment ( {$50.00} ) above initial minimum payment ( approx. {$35.00} ) for a Bank of America credit card opened onXX/XX/XXXXwith {$2500.00} credit limit. The ( a ) initial billing and ( b ) date auto payment was established are conveniently not included in discovery, and I am unable to obtain this information online through my current BOA checking account. I have not contacted BOA since the filing of this lawsuit due to distrust and not knowing source of presumed fraudulent practices. BOA contacted me about delinquency of account, but on at least two occasions before account was transferred to collections, I spoke to BOA rep, which could not explain why the auto payments, in excess of billing expenses, were not adequate. In XX/XX/XXXX when balance was approximately {$1800.00}, below the {$2500.00} limit, I had transaction declined at local XXXX and then learned that BOA suspended the card. On XX/XX/XXXX BOA sold account to XXXX XXXX XXXX for undocumented amount. I am being sued for {$3800.00}. Though I have had no direct dealings with XXXX XXXX XXXX court record notes, " The last payment was posted to the account on XX/XX/XXXX in the amount of {$50.00}. '' In reality, BOA continued to take auto payments for 47 months after it was sent to collections through XX/XX/XXXX, and without any expressed agreement and/or without addressing my contentions that the auto payments were timely and adequate, BOA sent this money to collections agent. The court documentation has discrepancies and falsifications, as it reflects " there is now due and payable from the Defendant the sum of {$2400.00} ; plus accrued interest of {$1300.00} through XX/XX/XXXX ... '' Additionally and just as contended with BOA, regular payments are taken simultaneously while default interest is being accrued. There appears to be 2-3 grounds where bank loses its creditor exemption, and I would like to explore counter claim ( s )  against bank and collections agents. The matter is set for trial in XX/XX/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 2021-06-16
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ordered refrigerator in XXXX From sears having received My refrigerator as yet, it's not in stock and they don't know when stock will be in.I ask sears to freeze my account until I receive item to no avail. 
Today XX/XX/21 I've been on phone from XXXX until 1 trying to resolve this I call seats they have me call city bank city bank tell me to call XXXX It's been back and forth over and over also sent me to delivery Service they sent me to solutions dept.Theu sent me back to seat.com

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