BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-18
Company: FMA Alliance, Ltd.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX XXXX provided a credit card to a company XXXX. They state that the firm owes them some {$4000.00} and have turned the collection over to FMA Alliance, LTD of XXXX XXXX XXXX, XXXX, TX XXXX. Their file # for the issue is XXXX. 

FMA refuses to provide me a copy of the signed application for the original loan / credit card. The card was issued in the name of the company and therefore I suspect the application was signed as an XXXX of the firm. 

It is their desire, of course, to have me pay this amount personally. I was willing to do so and told them as much provided they could show me that I signed for the card personally as an individual. They show me nothing so either they do n't have it or it was signed as an XXXX of the firm and they do not want me to see it. 

Their " threat '' is that this will be turned over to the credit bureau 's and this would severely damage my credit report. 

My request is that you do whatever is necessary to get these people to stop calling and harassing me. 

I am a reasonable person and have never such a complaint in XXXX years of adult life. 

Please get these people to stop calling and requesting money from me. 

Their phone # is XXXX. On occasion I have spoken with managers at XXXX, extension XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent required documents for items on report to be removed off report and I still haven't heard anything back I'm submitting the police report again for the second time.

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 2015-08-26
Company: PNC Bank N.A.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I spoke with company on XXXX XXXX and made arrangements to pay a payment of XXXX on that day and divide the remaining amount due on XXXX XXXX. I started receiving calls on XXXX XXXX, again. PNC Mortgage claims I broke the arrangements and took the extra money I had paid applied it to the fees. The effect of this was leaving the current house payment behind by 2 months. PNC was refusing to honor the original arrangement and refusing to allow a partial payment of amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was was alerted by XXXX that there was a new loan on my credit file, I tried to contact chase bank and they would not really help me I mention to them that this is fraud and they would not even flag account as fraud, they mention someone name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
our home loan was bought out by Loancare, a servicelink company division of XXXX. A few months after, they asked us to do a government refinanace to save money. It was happening all over the country for this type of loan, so we did. At closing, notary said, '' by the way, you will get $ XXXX in escrow reimbursed. '' We soon got a check from loancare for $ XXXX and another for $ XXXX. We saved the checks for almost a month until we could check to make sure we did n't have to put them in escrow for new loan. I called loancare to ask. She said " no, you may spend them on whatever you like or double your payments. '' We deposited the checks 20 days after we received them. I doubled up on payments of my bills. Then when I checked my bank acct., the check had a stop payment and I was charged a return item fee. Called loancare and they said " we called and left a message for you on XXXX/XXXX/17 not to spend that money as it was a mistake. '' no message, email, nothing. ( This was on XXXX by the way ) the check was issued to us on XXXX, deposited on XXXX and taken out of my bank on XXXX. After speaking to XXXX people telling me it looked like we should have the money in the acct. Finally, " a supervisor '' very quickly found the so called mistake. A customer made an escrow payment and " accidentally '' put my loan number on the check. XXXX When they found the mistake, they stopped payment. They would be glad to pay my overdrafts, but not return the XXXX I had spent, as I was told to do. I threatened suit and they told me I had that right and to go ahead but they would not return the money I was promised, recieved, told to spend and then stripped of from my bank acct. These people are liars and crooks.We never received a note, call or anything regarding this problem. XXXX representative said, " you need to call your first loan servicer! '' I said, " That would be YOU! '' She did n't even know I was a customer of theirs. I told them there was a series of mistakes on their part and none on ours, that we called before we even deposited to make sure we did n't have to put on new loan, not to ask if the money was ours, because we were TOLD we would be getting that money. " XXXX '' the supervisor then asked how I would feel if i had made a mistake and written my wrong loan number and someone else got it. I told her I did n't believe that 's what happened and do n't even try to appeal to my morals as I had done nothing wrong. But that I had overpaid my credit cards and now it would be taken from my job paycheck and I would n't have enough to live 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 2016-02-13
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had nothing but frustration with XXXX but on XXXX XXXX, 2016 I attempted to use the online payment system to pay my mortgage. The system said my loan information could not be processed. I contacted XXXX this morning, XXXX XXXX, 2016 via telephone and was informed that as of XXXX XXXX, 2016 my loan has been transferred to Loan Care, LLC. I asked XXXX when and how they notified me of this. They had no record of when the letter was sent, they just claimed they would have sent a letter 30-45 days in advance. I have received absolutely nothing relating to this from either mortgage company. I was given a phone number for Loan Care, LLC but there is no way to speak with a representative to obtain my new account number. Again, absolutely no notice, and no information from EITHER company. I very carefully check my mail and have a locked mailbox. They have no record of the letter that was supposedly sent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Newman, Hesse & Associates, P. A.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I supposedly wrote a bad check at a grocery store for my guess is around 100 $ in the year 1999. The garnishment order states that XXXX grocery has a garnishment order against me represented by debt collectors Newman and Hesse in XXXX Ks in the amount of XXXX, XXXX $ I was never informed or given anything to contest this issue. I think the garnishment order is way outrageous and I was n't given notice of any sort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing to dispute the following information in my credit file status. Loan Care Servicing Center a mortgage company reported the sale of the property as a Foreclosure which it was definitely not. It was an Agreed Settlement ( account paid in full or less than the full balance ) to prevent/avoid foreclosure. I am requesting removal of inaccurate information/description reference foreclosure in status remarks on credit report.

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 2022-08-04
Company: EQUIFAX, INC.
State: MD
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:
Although my car loan is paid off and I have a letter from the lender to that effect, Equifax still reports that I owe a charge off of {$6400.00} to the lender. All effort to try to correct this wrong has been fruitless. The lender told me that they sent a letter to Equifax to try to correct the wrong to no avail. I sent a letter requesting that this foolish report be remove from my credit file and I even even enclosed the the title of the and paid off letter to no effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
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:
Repeatedly denied income based payments. My income was garnished fraudulently. Interest and penalties continue to be accrued while they ignore the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account Resolution Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, Phone XXXX has fraudulently filed a debt claim against me the consumer stating that i obtained services from XXXX XXXX XXXX on or about XXXX/XXXX/XX/XX/XXXX I hereby assert that i did not receive any medical services from XXXX XXXX XXXX in XXXX, Ohio XXXX whatsoever, and that i personally contacted XXXX XXXX XXXX who confirmed that they do not have any record of my receiving any medical services from they agency on or about XXXX/XXXX/XX/XX/XXXX. I requested for the collection agency to forward me a copy of the bill of the alleged services via written dispute to them as well as to XXXX and XXXX during XXXX of XXXX but to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
Hi, I applied for the Citi XXXX Honors Visa Signature Card on XXXX XXXX through a promotion I received via email to earn XXXX XXXX Honors points after spending {$2000.00} on the card. I had the card previously, but I have just gotten a new job where I will be traveling quite a bit and figured the XXXX card would be good to have once again. I read through the details of the bonus offer and realized it would still be possible for me to earn the bonus despite having had the card in the past. I applied, was accepted, and quickly met the bonus spending requirements on some gifts I needed to purchase. 

When I sent a secure message to confirm the bonus requirements and to confirm that the bonus was indeed tied to my account I was told I would not be receiving the bonus. I was confused because I had received an email for the offer and the offer page I applied through did not mention anything about not being able to receive the bonus if you had previously had the card. 

I would just like to try and get XXXX points that I applied for. I received a credit pull on my credit history to open this account and it would be a shame if I opened the card for an offer I thought I was eligible for but can not get through some error of Citi 's. 

I 've attached screen shots from my application process to confirm my information. Any help would be much appreciated. 

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 2016-07-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
Macy 's, now for a third time in as many years charged me a late fee of ( this time ) {$27.00}, plus an interest charge of {$5.00} on my most recent statement balance due of {$280.00}. I mailed the balance of {$280.00} last month ( from XXXX, XXXX to XXXX, XXXX ) on XX/XX/2016. The payment was due on XX/XX/2016. Macy 's posted the payment in their system on XX/XX/2016 ( one day late ... conveniently ) which resulted in them charging me the late fee and additional interest charges. As above, they have done this to me before, and when I call customer service, they are " happy to reverse the late fees and interest for a valuable long time customer. XXXX ( customer service rep # XXXX ) stated that " we always waive fees if our customer is upset ''. I confirmed with her that the call was being recorded. I have closed the account, but I 'd like this investigated. I believe they purposefully hold checks for posting until the account is late, for the purpose of adding late fees and interest. 

I typically have paid my balance in full with them as soon as the statement comes after I have used their card. Again, this is not the first time they have done this to me, and I see quite a few complaints about similar behavior with other consumers on the internet. 

I am happy to share statements or any additional details you may need to properly investigate this matter. 
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 non-monetary relief
Consumer complaint received 2015-11-21
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Frederick Hanna and associates continues to get summary judgements on cases without getting hearings by judges even iif request hearing in writing to judges, wonder if judges are more in agreement with Frederick Hanna than the defendant in all cases?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received my Property Tax that I have n't paid my taxes but my lender has an escrow set up to pay the Property Tax. The lender send me a Tax Analysis showing XXXX payments were extracted from Escrow and it was overpaying the Tax, in which my Mortgage would go up by XXXX. The Property Tax has not been paid. They show they have deducted funds from my escrow. They over deducted and they have inaccurately processed a tax analysis. I 've faxed, Called them for almost a month with no success to assist me. They 've done nothing. I have all my documentation, faxes, dates and who I 've spoken with. They are taking money, overcharging me a new mortgage payment and my Property Tax has a penalty fee and has not been paid.

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 2015-11-10
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for a loss and mitigation to our bank, and it was pre-approved. After months of the arrangement they stopped the loss and mitigation, did not received our checks, and filed a demand on US Court. After two years in court the judge decided the case was dismissed with prejudice on our favor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Services failed to send my billing statement after purchasing my loan from XXXX, if you google 'complaints against carrington mortgage ' on just one site you will see a heading of XXXX complaints about this and foreclosing on people who had never been late. My loan is my Veteran 's Home Loan and I notified VA Secretary XXXX XXXX in XXXX, his staff advised me to contact you for help. I have attachments. It cost me {$35.00} to overnight my payment timely to keep them from pulling this stuff on me, XXXX dollars was for faxes. XXXX XXXX Veteran XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The subservicing company I pay my mortgage to recently changed. 
I had been working really hard to find out how to do it. It felt like not providing me with the necessary or helpful information was intentional as time passed. I actually learned facts that were essential for the process from a friend. I was planning to have an appraisal done ( with XXXX XXXX XXXX XXXX ) to cancel the PMI when I was notified of the change. The new company, LoanCare, LLC is ignoring all my requests. They say they did n't receive my initial email request and subsequent emails are bounced back as undeliverable. I have yet to speak with anyone but a receptionist who disconnects calls when transferring to insurance dept. They say all over their website that multiple inquires may prolong the process. Yet the process never starts. I believe this is intentional. I 'm sure XXXX people like myself are eligible for PMI termination. But this is free money for them so OF COURSE they do n't want anyone to cancel it early, never mind helping them to do it by providing information. 
I am really really angry. I HAVE NO CHOICE about who I pay my mortgage to. And they know it and treat their customers like garbage.

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 2016-03-08
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our XXXX 2016 payment was made, but not applied to our account. This resulted in a late fee for XX/XX/XXXX, late fee for XX/XX/XXXX, and a derogatory mark on our credit. I contacted Loancare by phone, and they told me to provide proof of payment via email. I did this one week ago, on XXXX XXXX, and they never responded.

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 2015-11-30
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Balance transfer fee

Complaint:
This is a continuation of case # XXXX where upon rectifying issues on prior complaint, I have now been charged additional fees. When Sears reallocated my XXXX payment to 1 ) pay in full the revolving debt of {$1500.00} and 2 ) apply the remaining payment toward the deferred billing of {$1100.00}, I was charged {$16.00} to do that. Sears treated my money as if I did a balance transfer toward paying the deferred bill. Sears took the {$16.00} out of my payment. I called Sears. Spoke with their dispute department and was told she could not do anything to help me with Balance Transfer Fees. I explained that this was how Sears handled my money to allocate in a fair-practice way. She reminded me again that when you do a balance transfer over the phone ( which I did n't do over the phone ; I used their convenience checks ) that the operator reads pages and pages of disclaimers. This is a nightmare that does not end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Settled in full, company is reporting as open collection item

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 2015-10-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I currently have an active Best Buy Credit Card and have recently been charged over {$700.00} of interest charges from a purchase from a promotional balance that was due by XXXX 2015. The issue thatI have is that each month I have been paying $ XXXX {$200.00} more than theminimum payment so that I would not have this issue. I recently called the credit card company and they said there was nothing they can do. I was specifically told that if I wanted to pay my promotioal balance I was to pay more than the minimum payment. I did thisand do not have an extra {$700.00} to just throw away. I would like best buy to credit me the difference in each payment I have made like they said would be done so that I do not need to pay anadditional interest fee of {$700.00} on top of my current balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation