BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-08
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XX/XX/2016, I initiated a money transfer to XXXX to a family member in the amount of {$1000.00} + {$5.00} money transfer fee. The money was withdrawn from my bank account XX/XX/2016 and I was told the money would be available for withdraw XX/XX/2016. I checked the account status on XX/XX/2016 to ensure the transaction completed as promised by Western Union, the online status stated in process or pending. I called Western Union and I was transferred to the fraud protection unit. I was told my transaction was denied for my protection and that the funds would be refunded. Apparently, the transaction was denied and a refund was initiated prior to my knowledge and I should have been reimbursed on the XXXX. With each phone call, I would get a promise to refund my money. Eventually, I was told there 's nothing they could do because it 's a computer glitch beyond their control. I was also told to stop calling and that they would contact me when the " computer glitch '' is resolved. I requested a paper check and I was told because it was an electronic transfer, they can not give me a check. A few weeks later, no call from Western Union. I then called customer services and I was told to submit my bank statements to ensure that the money was withdrawn and not refunded. If clear, I would receive my refund in 24 hours. I submitted the statements to the provided email and still no refund. The customer service reps were relentless in telling me what I wanted to hear. I was getting transferred to " supervisors '' and different department, all led to no one that could help me. It 's almost 6 months later and the issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom It May Concern My wife and I have been contacting Bank Of America for about two months now and getting no helping answers leaving us very disappointed with B of A. We have a 15 year loan and are final payment according are contract is XXXX/XXXX/XXXX. Are most recent statement says that are contractual remaining term is 05 months. The problem with this is we will have a balance of approximately XXXX dollars now we were able to get a customer service person that told us who was not even sure but said come to the end of this term we would need to have the balance payed off in full or Bank Of America will take action with foreclosure on are home and it will affect our credit. 
Trustworthy and reliable customer for about 15 years current with all payments and yes We are considering going with another financial institution if this situation is not going to work for us. 
Thank You XXXX XXXX Here is my follow up letter on this situation after receiving a letter on XXXX/XXXX/XXXX from Bank Of America -- I am going to make this short It does not take 24 days to research this problem It takes about one hour only because as I had mentioned in the first letter to customer relations with Bank Of America. I have received a letter from XXXX XXXX regarding a search on our loan. But this search is from a different loan this is not ours and the only note that was sent was our promissory Note from XXXX XXXX XXXX which reads our final payment due XXXX/XXXX/XXXX Not XXXX XXXX! There is No Resolution To this Legal and binding Contract. Please be advised any more notes or History of payments will not be accepted. We need an explanation of why our loan was extended without an approval and a signed plan of documentation. And lastly We have No plans of using modification, to cover this Bank Of America system of doing Business this is Not good Business, and please note on your letter you state that you are a dept collector I hope you are not for the reason of LEGAL matters, If so then we have a situation with our understanding on our Loan. 
Thank You 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 2015-08-25
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi - I am dealing with Greentree Mortgage Servicing trying to get a loan modification/deed in lieu since XXXX 2014. I have had them call me numerous times and rather than assist me, they have hung up on me when I answer the phone. I was have been sent several contradictory papers which are all very confusing. When I try to call of course my phone is traced and I go directly to the collections department and I am yelled at and hung up on. I was recently approved for a loan modification but when I called to get specifics as to how it works I was told I was approved for a 40 year adjustable rate mortgage. I asked why I was not advised of this in the beginning. The gentleman I spoke to never explained why. Several days later I received a call back explaining that was incorrect but this was AFTER the paperwork was supposed to be turned in. 
I did receive new paperwork but it had the same OLD dates on it. I called to verify that I could send in the paperwork. Again, I was only allowed to speak to XXXX my account manager after pleading to speak to someone in loan modification department. He refused to transfer me an assist me. I called back and was told my phone number was tracked. I then borrowed a phone and used it to call one of the extensions I had been left via voice mail in the loan modification department. I never to this day have received a call back. I finally received a call from XXXX and he assured me he would call me back at noon the following day since my cell phone gets no reception at work. He did not call me until XXXX. I then called him on Monday my day off. I am trying to get assistance with my mortgage payment from Green Tree but it seems as though they do not want to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had my mortgage with Roundpoint Mortgage. I am refinancing with another Lender. My New Lender is in a constant battle with Roundpoint about the closing costs. Roundpoint continually charges their XXXX based on old laws. My lender sites this " CFPB 's Ability to Repay and Qualified Mortgage Standards under TILA, servicers may only charge interest through the date the mortgage is paid. The change is effective for all FHA loans closed on or after XXXX XXXX, XXXX ''. 
so as you can tell my loan is an FHA loan. 
My loan Funded on XXXX XXXX, XXXX. The attachment called XXXX is attached showing payoff balance. 
On XXXX XXXX, XXXX XXXX XXXX emailed me that additional funds were needed to close the loan. That is the Second attachment XXXX. XXXX still holds to his position that Round point is not allowed to charge additional interest. Additional it is not just {$810.00}, Roundpoint has taken my Suspense Balance of {$1000.00}, So a total of {$1800.00}. After the close of loan. 

When I was on the phone with the Specialist from Roundpoint ( XXXX ) He stated that if this {$810.00} was not paid immediately to HIM after XXXX XXXX, XXXX. Round point would charge me another month of XXXX. Since It appeared to be a Robbery with my loan held hostage, I made the ACH payment while I was on the phone with XXXX. 

I will now try to get my money back, via the CFPB ( {$1800.00} ). The Final attachment are the details of my discussion with Roundpoint on this matter.

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 2016-11-21
Company: KEYCORP
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been going through this dispute for an extensive period. Key Bank has this debt listed twice on my credit reports, KEYBANK NA account number XXXX .... 
and XXXX Account number XXXX .... I never signed or knew of this account until my dispute. XXXX is the party liable for the account. Key Bank requested a notarized letter from XXXX, I have submitted several times, in which I have attached with her acknowedgement that this Key Bank account belongs to her once again. Key Bank requested a signature from XXXX which I did not have. It is unreasonable to request documents from that time frame.My signature remains the same no matter what documents I have submitted. I searched and searched and located the copy of my XXXX mortgage which had my signature and I sent Key Bank and attaching again. I have previously provided other documents which has my same signature. The only other documents I have are the documents from my deceased spouse and son which is dated XXXX and XXXX which is extremely private. I have submitted my property appraiser document which even showed that I have lived at my current address almost 10 years, which is my XXXX and my prior address is the address on my XXXX mortgage information attached. The address on your application is n't mine. I am exhausted all options besides legal measures in which I have consulted a firm. This is unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We filed a compliant with CFPB re Bayview Loan, they responded to the compliant with a letter and a phone number to contact them, but after trying for 8 days a couple times a day the phone number does not work. That is a great idea, just never have a working phone number so no one can call and bother you ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Loan Servicers XXXX XXXX Bank and Bayview Loan Servicing XXXX did not provide adequate notice of loan changes and also misrepresented information in letters sent to us. XXXX XXXX Our loan was sold to XXXX XXXX and in the initial letter we were told to continue sending our payments to XXXX and same address. After sending payment a XXXX days later the payment was kicked back by XXXX. It was then we found out that Bayview was now servicing our loan. Bayview and XXXX both violated federal law by not notifying us in time of changes in our loan and payment information. XXXX XXXX Bayview Loan servicing did not provide the required XXXX day notice that our payment amount was changing due to the XXXX year ARM ending and rate reset. Also, another violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: LendUp Loans LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed {$200.00} for XXXX days and I paid off the loan in XXXX days. I was still charged XXXX days of interest! The loan amount for XXXX days was XXXX When I attempted to pay of the loan in XXXX days, I was charged the same amount of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Bayview Servicing LLC holds my XXXX mortgage ( ex-XXXX loan ) I am currently in chapter XXXX Bankruptcy, because I became behind on payments. My XXXX mortgage XXXX Bank sent me a letter stating the total amount was foregiven ( $ XXXX ) via the XXXX XXXX settlement, But Bayview is refusing to apply my XXXX primary loan ( $ XXXX ) to that DOJ settlement. As I read the settlement my XXXX mortgage should be included as it was a XXXX XXXX XXXX originated, And I still live in the House. my previous XXXX XXXX XXXX loan number # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: WESTERN UNION COMPANY, THE
State: AK
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Friday, XXXX XXXX, I scheduled a money transfer of {$450.00} through Western Union ( WU ) to my son in Oregon through the Wupay ( billpay ). On Monday, XXXX XXXX, money was sent by ACH from my bank account to WU. The money as advertised should arrive in 3 days on Wednesday, XXXX XXXX. The money did not arrive so I called WU. They said that they had n't received the money and to wait a few days but in the meantime they would escalate the transfer to research. I called at XXXX Friday, XXXX XXXX about the status and they said it was still not funded but it had been escalated and should just be a couple of hours. They left me a voice mail to provide them a confirmation number from my bank. I called back at XXXX, Friday, XXXX XXXX gave them the confirmation number and heard that the money still was not received but they assured me that it would be resolved because they resolve these within XXXX hours. I called them again on Saturday, XXXX XXXX because they said the money was still not received. The customer service supervisor launched a XXXX way call with my bank and got the ACH transfer code. I was on the phone with them for over 2 hours. As of today, Monday, XXXX XXXX, it appears they did receive the money on Monday, XXXX XXXX but my son still does not have access to the money. Here is the recent email : Dear XXXX, I hope all is well. 
Your payment was received on XXXX. We sought the assistance of our escalations team to allocate your payment to the order. We had a technical issue that was identified and in the process of fixing it. We will notify you once response is receive. We do apologize for the inconvenience. 
Should you require further assistance please do not hesitate to contact us. 
Best Regards, XXXX XXXX, Customer Care OperationsXXXX Regional Operations Center -- -Basically, they have had my money for over a week. It is ridiculous that they kept putting me off like it was not their responsibility to figure out and should be paying me interest on that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Service LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis companys try to collect money from me, i dont have debt with this cmpanys they call me and sent letters form a medical bill

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Forest Recovery Services LLC
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 was paid

Complaint:
I have a water bill on my credit that I already paid and was send to a collection agency without my knowledge. I get calls night and day from collection agency with treated, judgement and repossession of my belonging. I am very XXXX with all this treated, I get XXXX kids at home and scare that someone will come to my house when I am at work and just take everything without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX and again this is a complaint against Bayview Mortgage Company. Bayview called my home owners insurance company which is ( XXXX ) and just decided they wanted to pay the balance of my insurance. I got a email from XXXX XXXX telling me that my home owners insurance had been paid in full and I know I did n't do it they take the money out of my check monthly and it is n't due until XXXX XXXX. XXXX XXXX told me they did n't know why Bayview had called them they did n't call Bayview nor did they send them any information stated that I was late or behind they thought it was strange but went on and gave Bayview my total balance which is XXXX. XXXX XXXX takes my home owners insurance out of my check monthly. XXXX XXXX told me that Bayview paid the balance on XX/XX/XXXX and that they had already taking my payment out for XX/XX/XXXX. Now Bayview already went up on my mortgage from {$470.00} to {$680.00} a month because they paid my property taxes which I was late and I understand that but not raising my mtg up that much. I am still in the process of fighting with them about this cause my check is only {$570.00} bi-weekly how do they think I can pay {$680.00}. I had explain to you prier that Bayview had put me in a escrow and that I had to make up the difference which was {$8100.00}. I got a letter from Bayview denying me to lower my mtg payment they said that I was bringing in {$3100.00} a month I had sent them the months of my check stub they requested and both of them together do n't total this amount. I called them to see where they came up with this figure and no one seems to know or even give me an answer they just keep switching me to different departments. I called Bayview and asked them why they called my insurance company and did this the man laughed and said oh we just thought you wanted this. I asked him why and I cant even pay what my mtg is now he did n't even have a answer for me again no one seems to know anything about why things are happening to me and my house. Please can you contact Bayview and request that they again stop calling my insurance company and to figure out why they do n't want me to stay in my home. I have never been late with a payment not even since they raised my mtg payment but I could only send them {$470.00} instead of {$680.00} for XX/XX/XXXX. Now since Bayview had paid my insurance in full now my next payment is going to be even higher why I just wan na know why are they doing this. My XXXX XXXX is high this is my only home I do n't want to get evicted I am doing the right thing my house is up to code I have never been late in any payments with anyone can your company please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This new complaint is related to CFPB complaint # XXXX that I placed recently on XX/XX/XXXX because on late XX/XX/XXXX I summit a complain through Experian Web Site against XXXX XXXX  XXXX XXXX XXXX because they fixed an error on my credit report with XXXX and XXXX on XX/XX/XXXX but never fixed with Experian. 
This irresponsible bank has the opportunity to fix an old error but decided to see this as a frivolous complain and never pay attention also Experian just resolved something that it was wrong. 
It is hard to believe that XXXX XXXX  XXXX XXXX XXXX fixed an error on my XXXX and XXXX credit report but not with Experian! 
Please CFPB help Experian to investigate a little more about the complaint that they receive everyday, because they have a big responsibility on create or not problems to the consumers. 
Thank you very much!

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 2015-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Since XX/XX/XXXX, I had a XXXX IRA Money Market acct with Bank Of America. From then until XX/XX/XXXX, I earned a total of {$130.00} in interest on a initial {$1000.00} deposit. Recently the interest rate was so low, that I decided to move the money to XXXX XXXX. I contacted BOA and they said they would not do a transfer. They would either send me a check or I could get XXXX to do the transfer. At no time during this conversation, did BOA mention a fee for making this transfer. Since the IRS has strict rules about taking the money from an IRA and moving it on my own, I decided to ask Ally to do the transfer. Once the transfer was complete, BOA notified me that they withheld {$50.00} from the transfer, calling it a processing fee. I contacted them and they said that they told XXXX about the fee and that XXXX should have informed me. They also said that this fee is stated on my quarterly statement. XXXX said that if BOA had told them about this fee, they would have instructed them to relay the information to me and that it was n't their responsibility to inform another bank 's customer of their fees. In addition as you can see from the attached statement, there is no mention of this fee on the quarterly statement. I have XXXX and XXXX and keeping track of all of a bank 's rules are difficult for me. I thought by calling BOA at the beginning of this process, I would be making sure that I made an informed decision about how to proceed. I do n't have a lot of money and they ended up taking XXXX % of the interest it took me 7 1/2 years to earn. Also, why are they entitled to a processing fee, when they refused to initiate the transfer and XXXX was the one who did all of the work? I spoke to several customer service people at BOA after this occurred and they maintain that they have a right to charge this fee. They may have this right, but is it fair, especially considering how small of an account this was. I also think this is unfair because the IRS recommends an account to account transfer to minimize tax problems and BOA is using this to their advantage.

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