BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-06
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX, owner of the property at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. XXXX XXXX I got damage of my property by Hail. I claimed my insurance with an agent XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, claim service by XXXX and main insurance company name is XXXX XXXX XXXX. I was paid by my insurance company and I fixed my property accordingly. After completion of the repairing job, my mortgage service company name Shellpoint Mortgage Services called me to send their inspector to inspect the property and they sent, inspector saw the property and left with full satisfaction. After a month about Shellpoint added an amount of {$48.00} with my monthly mortgage payment as an inspection fee and I was told to pay this amount every month over my loan period of rest 29 years. 
My loan is under FHA. 
I asked Shellpoint, what is the total amount of inspection fee to be paid. They said, they do n't know and despite my repeated correspondence Shellpoint could not make clear about total inspection fee. 
Then I said, unless legal solution I will not pay this inspection fee with uncertainty. On the other side my insurance company did n't tell me anything about and I have not been asked anything by my insurance company. 
I eagerly request to have a right answer about this inspection fee, because they have kept me in complete dark. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX I had authorized Ocwen to automatically deduct from my XXXX account the amount of my mortgage on a monthly bases. through out XXXX Ocwen was deducting my mortgage from my bank account. In XXXX of XXXX I had to file for Ch.XXXX Bankruptcy but continued to pay my mortgage. Then in XXXX of XXXX, Ocwen stopped taking my mortgage from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: AES/PHEAA
State: WA
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:
I requested an income driven repayment plan to help me pay back my student loans since I am currently unemployed. Every time I call no one knows what is going on with my account, my student loans, or my income driven repayment request. I 've been lied to, hung up on, put on hold with nothing but dead air so it sounds like they 've hung up on me for thirty minutes straight at least, I 've been redirected to the make a phone payment area when I 'm just trying to get an income driven repayment plan, and make my payments on time so I do n't default on my loans and ruin my life worse than I apparently did when I took out the loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX / XXXX /  XXXX   I received a collection notice in the mail stating I owed the sum of  XXXX  to  XXXX   XXXX  and they,  Convergent Outsourcing Inc. , were a debt collector trying to recup this amount. This is the first time I have seen a notice like this and I have never had  XXXX   XXXX  service/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 2022-01-31
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been pa ying {$360.00} a month for nearly 16 years ( roughly {$70000.00} ). My original principal in   XXXX   was {$23000.00}. Why is this loan not paid off three tim  es over?!! Navient say s its a 7 % interest student loan, but only 50 % of my payment is applied to the principle balance. I 've done the math over and over, I have an auto loan at 7 % and 85 % of my payment goes to principle. What kind of math are they using? This loan should have been paid off years ago. They are thieves! They wo n't give me any explanation ... they just show me where I signed their contract and they give me payment history, but never say why my loan balance is not decreasing at a 7 % rate. I 'm refusing to pay any more. Maybe they 'll talk to me if I do n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Guild Mortgage Company LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guild mortgage company keeps mis-managing my account. My first year with them they added home owners insurance to my account even though they had proof at I already had my own home owners and they were paying the bill from my escrow, after months of phone calls they finally rectified the situation. Then  XXXX  of   XXXX   I received a letter from them stating I had a shortage in my escrow account. They assured me that it was due to an error my loan officer had made and I had not paid in enough at closing. Seemed legit and I did n't know how to investigate to prove otherwise so I paid the shortage. I have received another letter stating that I have another shortage again. This time much larger as indicated by the attached document. My first phone call to them the lady I spoke to said it 's normal and it is what it is. She was very indifferent towards me and not any help. I called again the next day and the gentleman I spoke to was much more helpful. He indicated to me that they had to use my {$800.00} cushion that is mandated by law and an additional {$670.00 } ( that they gave me and I owed them ) t o pay taxes from my escrow account. He said it was because of a tax increase. My taxes in   XXXX   only went up about {$200.00} total. Hardly the {$1400.00} they took. When I explained to him that it did n't make sense, he would n't agree but did look into it further while I was on hold. He got back on the phone and said he could NOT explain it and he would forward me to the " impound '' department who would be calling me withi n 3-5  business days to explain what happened. There is definitely a serious problem with this company and I have read else where online that I am not the only person to have had issue with how they do business or handle escrow accounts. After this conversation I asked what my excels balance was and he said it was over {$3000.00}. Hardly a {$1400.00} shortfall.     In the end the paper says my shortage is {$660.00 } ( which I made a payment last year to cover a shortage already ).  But their solution is to increase my monthly payment from {$910.00} to {$990.00}. That is not {$660.00} but {$990.00} over 12 months. I can not say for sure what 's happening but it sure looks shady to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX. My XXXX has XXXX accounts with Regions bank ( checking, debit card, savings ). This complaint is regarding the checking account. Utilizing the online banking interface, each transaction was categorized ( with several custom categories ) and had a memo field inserted to designate the exact purpose of the transaction, which provided the basis for monthly financial statements, budgeting, and tax filings. Regions recently upgraded their online system and stripped all customer entered data, which resulted in the loss of all categorization and memo fields. Current and historical data has been reduced to only the date and amount, all customer entered data has been lost.

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 2015-06-26
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Th  e " annualcreditreport.com '' website is a piece of junk.
The CAPTCHA form is c  lose to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.

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 2017-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The " annualcreditreport.com '' website is a piece of junk.
The CAPTCHA fo  rm is close to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.

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 2021-12-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed of {$350.00} after I received an email stating that in order for me to upgrade my XXXX account to a XXXX business account I had to send {$350.00} to a XXXX agent. The emails were structured as a XXXX email and the fraud/ scam artist was impersonating a XXXX  agent. 

Filed several times already and no one has been able to help me. I work hard for my money and I was scammed of {$350.00}. Money that could be going to my family and expecting baby. I filed this claim the day the incident happened so I don't know why the money wasn't stopped or retracted as soon as I sent it. Instead the process has been dragged XXXX months. Wells Fargo has a policy where the supposedly protect their customers from incidents such as this one, but they have done little to nothing to help me. This is the first time a situation such as this one happened to me and my own XXXX bank is unable to protect me from things like this. MY OWN XXXX  BANK IS UNABLE TO PROTECT ME FROM FRAUDS AND SCAMS.

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 2017-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Problem with personal statement of dispute

Complaint:
TransUnion,  XXXX  and  XXXX , do not report all payments, I have contacted  XXXX ,  XXXX   XXXX , and others and they say, the Credit Bureaus do what they want  ans  have NO REGULATION. Despite companies sending in my on time payments, the credit Bureaus retaliate on consumers who complain by not fully adding payments made from day one to manipulate consumer credit sco res. We have copies of reports and hard copies, evidence shows the Malfeasance of the Credit Bureaus. Should we file complaint with US Department of Justice to end their corrupt action and retaliation? Credit Bureaus are refusing to report company in formation.

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 2017-05-06
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Inquiry Ref . No. :  XXXX  Establishment Name :  XXXX   XXXX   XXXX   XXXX   XXXX  Disputed Amount : {$5400.00}  01.  I specifically requested front desk to not authorize any room charges by any means.  XXXX  front desk assured it would be done.  (   XXXX  did not provide adequate service and failed to provide the request. I believe Foul-Play was involved )  02.    XXXX   did not provide me with any other details of  Hotel Policies , Room Charges or anything when I checked in.  (   XXXX  did not provide adequate service and failed to provide pertinent information. )  03. I  did not provide any authorized amount at the time of check in. But on the receipt that  XXXX  shows, it magically has an  " Amount Deposited ''   that pretty much accurate to the total amount at the end of check out. How does that happen? ( It ca n't be coincidence.  ) 04.   XXXX  claims that I 've signed documents at the end of check out. I was not physically at the property to check out nor did I sign anything at check out. I left early due to a family emergency. Also the signature that was provided has a different  stroke  and is off.  (  Fraudulence is involved ... )  05.   Any room charges, should have been double checked by  XXXX , notified the authorized personnel or customer that was staying in the room & should have had receipts other than the last check out statement, which I was not there to see or sign.      06.  I am willing to compromise and pay for the room but not the extra charges as I did not benefit or use those extra services ... My prepayment charge for the hotel stay was {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Approximately 7 years ago, a " Penalty A.P.R. '' was applied to my Chase XXXX credit card account. Since then, this credit card account has been in good standing with on-time payments. Additionally, I have XXXX other personal Chase credit cards that are in good standing, I had a Chase bank mortgage for my former personal residence in XXXX, California that has been paid in full, and my business savings account has had an average collected balance of over {$25000.00} while earning virtually very little interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TX
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:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past XXXX days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My current auto loan, with Chrysler Capital is not reporting my payments correctly on my credit files, affecting my FICO score. I have tried multiple times to contact their credit department and they will not return my phone calls. I also sent an email to OPPOFFICE according to their website, is the officer for finance, only to receive a return email stating to call the same number I have been calling. 
On XXXX/XXXX/2015, I called Chrysler Capital Customer service customer service number, and tried to speak to a customer service representative in your credit department only to be told that I had to leave a message, which I did. I did not receive a return phone call. 
On XXXX/XXXX/2015, I called Chrysler Capital Customer service, and tried to speak to a customer service representative in the credit department, only to be told that I had to leave a message, which I did. I did not receive a return phone call. 

On XXXX/XXXX/2015, I called Chrysler Capital Customer service, and tried to speak to a customer service representative in the credit department, only to be told that I had to leave a message, which I did. I did not receive a return phone call. 
On XXXX/XXXX/2015, I called Chrysler Capital, and spoke to a representative that was NOT in the credit department, and complained to him, and asked why I was not getting a return phone call, only to be told he does not know why. I asked to speak to a manager, and was told no one was available. 
I was recently turned down for a line of credit, because they state my payment history on this loan is showing like I am not paying my loan on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I return their call about being past due and they did give me offer if I paid one payment now they would wave two payments off my bill making me one payment behind I told them I 'm not working at the moment and there 's no way I can afford this car and was scheduled at that time to be sent for repo I gave them my current address and so they called again the next day I told them again nicely that I do n't have a job I need to pick up a repo gave them my current address and then we 're getting calls from my in-laws that they 're calling them asking for me and telling them what about the car xcetera and they have my phone number my current address but anyway it goes on the next day they call me again I answered this time I get a mad and and ask them why they 're not communicating with each other and their own company give them all the same information again then literally the next day they call again and this time I 'm nice again and I told the guy about how they 're calling my mother-in-law and calling me everyday after it 's already been for repossession stop harassing me that worked for about 2 days and now my mother-in-law calls me again n well she 's XXXX XXXX I 'm really not her business about this repossession and she does not need to be harassed expecially when is already given my current address they have my phone number and they are in contact with me and I 'm just waiting on the tow truck driver to call me and say hey meet me out and give me the key I really want this harassment to stop I am currently unemployed I owe lots of bills I 'm fully aware of my obligations financially but at this moment in time I am on food stamps and government assistance looking for work my wife and I both

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was at the hospital on XXXX/XXXX/15. I knew I had a check still out for XXXX. I had a check that needed deposited but didnt think I would be done in time to get it there. I called Regions bank and they assured me that my account was not in overdraft and looked fine. There would not be an issue. This morning I woke up to XXXX worth of OD fees charged to my account. When I called and spoke with them they said that they couldnt see the checks coming through. I then asked why did they clear first if they were the last things to show up? She said they pay the higher amounts first and it trickles down. I explained that I was told yesterday bu XXXX that my account was fine. She said I was the only one who knew about the checks and there was nothing they could do. I have a real problem since I had money that could have been deposited to avoid this but I was told it would be ok. Also, because the checks coming through that werent seen were paid first. If they had gone in the order they received them I may not be so upset over the XXXX check fee but this is ridiculous. They say its ok and process however it profits them. I understand they are a business but they are a crooked practice that is unwilling to work with a customer that has been with them for year.

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