BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-12
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold last year to XXXX XXXX and is processed via Loancare. As of XX/XX/XXXX we qualified to have our mortgage insurance, which is about {$200.00} a month, dropped off our mortgage payment. Loancare told me how to request that this insurance be dropped. I followed their instructions and had no response. I tried again and had no response. I have spent hours on the phone trying to work this out. Sometime their people do n't know what I am talking about other time they can see that I have sent in the request and that no one has done anything about it. I have since looked up this problem and it seems like lots of people are having issues with their mortgage via Loancare in the last month or so. I feel like they might be scamming people out of lots of money.

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 2022-08-25
Company: Central Portfolio Control Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was employed at XXXX XXXX owned by XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. Upon my time working there, I also lived on-site and had to sign an employee lease addendum that discussed my rental discount as well as giving me the option to either terminate my lease within 7 days or being fired/quoting or continue using the lease without a discount. Once I quit, I moved off of the property within the seven days. My previous manager sent my account to collections and since XXXX has refused to provide proper documentation of the employee lease addendum. I have emailed multiple times and I have called the office. When calling she has a leasing team member tell me " unfortunately. We no longer have your information on file. '' That is incorrect. By law the company is required to keep tenant 's paperwork on file for seven years in the event of any issues, collections, or rental verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: LDF Holdings, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX, in an effort to help my son with some debt, I made the very poor choice of borrowing XXXX from Mitig Capital. Having lost my husband to XXXX  I was swimming in my own debt and thought this would be a viable solution. Make my payments. Be clear in a few months. But ( and this never would have happened if my husband were still living ) I did not read the contract and the loan terms as I should have. Shame on me. The issue comes when an ACH payment failed, an error that truly occurred on my banks end. I go on line. I try to make my payment. I am locked out. Try again. Still locked out. I send an email. Get a call from XXXX. Schedule an ACH payment for the following Friday to rectify the situation. The following Friday that payment does not clear, nor does the payment as scheduled. I am still locked out of my account. Interest accruing, I ask XXXX why this has happened. XXXX tells me due to processing problems they couldnt withdraw my payment. I offer to send a check. XXXX tells me this will make my payment late, given the mail slow down. I schedule a payment for XXXX to be drafted Monday, XX/XX/XXXX. Though the money has been drafted, I still do not have access to my account, either on line or on paper. What I currently owe remains a mystery, leaving me hog tied. In several weeks I will pay the remainder. I think it is important that your office is aware of this business, their practices and their attitude toward consumer lending. I am fortunate that I can be free of them soon. I suspect many of their customers are not so lucky.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
U.S. Bank Home Mortgage has {$34000.00} for me in a restricted escrow account that was left after my home was repaired in Hurricane Ida. I want to pay my home out. They have received the {$1400.00} from my XXXX Bank account. I have never seen a company that doesn't want a customer to pay them out.

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 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, On  XX/XX/XXXX , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX   ) in  regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ),   XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  XX/XX/XXXX , I sent letters to each credit bureau ( TransUnion,  XXXX  and   XXXX   ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's  Cardmember agreement-   XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  XX/XX/XXXX , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare bought my mortgage loan in XX/XX/XXXX. 
They botched the transfer from original lender and are mismanaging my escrow account. 
XX/XX/XXXX, they neglected to pay my property taxes. I had to contact XXXX County, and LoanCare in order to make sure the tax payment was made, and that I wouldn't pay any interest and penalties. 
In XX/XX/XXXX, they contacted me with letters saying they did not have proof of insurance, and they would be opening a new policy on my behalf unless I provided proof of insurance.I had to contact my insurance company and HOA to get the needed proof. Again, this was information that *should* have been handled during the loan purchase by Loancare. 
In XX/XX/XXXX, they sent me an escrow statement saying that I would need to add an additional {$1100.00} to my account, despite the fact that neither property taxes nor insurance premiums have increased. 

I contacted LoanCare to delete my escrow account so I can manage myself, since I've already been doing that.

The first request was NEVER acknowledged, so I had to contact them again, and follow up constantly.

The result : denied my request because I haven't held the loan for 24 months.

My money is literally being held hostage, and they're asking for more, and if this keeps up, they will continue to do so for the next 18 months.

I have a perfect credit score, no late payments in 17 years of home-ownership, yet I can't get them to give me my own money back so I can ( continue to ) manage my escrow 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 2016-07-25
Company: AES/PHEAA
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX sent over several student loans to a collection law firm to collect on even though I never purchased or signed any paperwork with National Collegiate Trust which I complained about to them twice. Per FDCPA, the owner of the debt must show proof that they own it before they demand any money for it. XXXX failed to send me the proof of ownership that I asked for but instead they decided to send it to a law firm where it could be sued on. I also spoke with XXXX XXXX XXXX and they acknowledged they had the loan before but none of the information was on the paperwork I received which is unacceptable. I never signed any paperwork or borrowed any money from XXXX XXXX XXXX either which they said to deal with National Collegiate Trust because they no longer have the loans. I do not see any ownership information from National Collegiate Trust or XXXX XXXX XXXX, I received a promissory note that states XXXX XXXX XXXX and then letters from the law firm that states owner was National Collegiate Trust but no explanation as to how they own this debt which is a requirement and I sent a letter asking for this information but I only received a promissory note and bills, nothing else and I asked for several issues to be resolved in the validation of debt that I sent to the law form on XXXX/XXXX/16. I did speak to a FDCPA attorney and was advised this debt is uncollectible without proof of ownership and no one can take legal action against me on this debt and it will need to be removed from my credit report. National Collegiate Trust and XXXX are trying to commit fraud against me. I have the copies of all of the complaints I have against XXXX as proof. National Collegiate Trust can not collect on this debt without ownership and that information must predated the day it was sent to the collections law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We submitted a Qualified Written Request to Wells Fargo on the First and HELOC to provide a copy of the promissory note in its current form with all allonges and the name of the true lien holders, and they have twice refused to comply. More then 3 months have passed since the last request and they keep delaying although the law requires them to comply within 10 business days. 
Compel them to comply, or reconvey the note. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX 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 2015-04-02
Company: WELLS FARGO & COMPANY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check from my roommate into my account because I paid the move in cost for us to move into our new apartment. His check returned, the bank never release the money which is a good thing and I got accessed a returned check fee, which I do n't mind paying. The bank has now restricted my account and is scheduling it for closure. This is unfair to me as I need this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XX/XX/XXXX, my wages were garnished without the required 30-day notice or the opportunity to request a hearing. I was informed by PHEAA that the notice was mailed to an address at which I never resided. However, I followed all procedures to enter the loan rehabilitation program. XX/XX/XXXX and XX/XX/XXXX, I repeatedly contacted PHEAA to inquire about my repayment plan as I was no longer receiving bills and did not know the status of my loan. I was experiencing a financial hardship following a divorce involving XXXX, a lack of child support payments as a single parent of XXXX, and then after moving a safer location. I applied for the loan rehabilitation program again as advised by PHEAA, but was rejected after applying multiple times. XX/XX/XXXX, I received notice from my employer that PHEAA was garnishing my wages. I had received NO other notice and, again, did not have the opportunity to request a hearing. I contacted PHEAA again and was told that the XX/XX/XXXX notice of garnishment ( which I did not receive because it was sent to the wrong address ) was sufficient so I could no longer request a hearing. PHEAA told me my previous applications for loan rehab were rejected because I had a spousal consolidation that required a financial disclosure from my former spouse. Although I had submitted a judgement stating that I was responsible for the student loans, I could not apply for rehabilitation without my former spouse 's cooperation. Had I been informed of this from the beginning, I could have tried having him compelled to cooperate during our court proceedings and possibly avoid garnishment, which is now causing additional financial hardship. I have provided PHEAA with the information they have requested multiple times, but each time I have contacted them, I 've been given information I 'd never received previously or asked for information I 'd never been asked for before. Their tactics have stalled and prohibited my chances of entering into an affordable payment plan, and I 'm now losing approximately {$1200.00} per month, which is a hardship for a single parent of XXXX young children. I can not afford after-school or summer child care, which will impact my job. I have already paid almost {$20000.00} in interest and almost {$5000.00} toward the principal on $ XXXX of loans, yet I now owe over $ XXXX. I 've made large payments, when possible, but of course, most of the payments were applied to the interest only. PHEAA now tells me I have no options to rehabilitate because my former spouse will not cooperate, yet I can not afford to provide for my children and pay all bills with this garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: CA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXLate/Open Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have recently checked my credit report on XXXX XXXX, and saw that on the Experian report and address I have never lived at showed up. That address is in Pennsylvania, I have never even visited Pennsylvania. I that can be cleared that would great.

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 2020-04-01
Company: Sterling Credit Corp.
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:
I have already resolved the payment with Sterling Credit Corp as of XX/XX/20, but the payment of {$730.00} still appears on my credit report. Sterling Credit Corp tells me to call XXXX XXXX XXXX XXXX to remove it from my credit report. When I call them they tell me to call Sterling Credit Corp . I can not get to anywhere, nobody is trying to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo stopped drafting our account after my husband filed Chapter XXXX bankruptcy even though the mortgage loan was not included in the bankruptcy. They took our payments and then partial payments for a while but would not apply them to the mortgage due to the bankruptcy according to them. We applied for a loan modification and they asked for the same documents multiple times and drug the process out over a year. After getting no response from Wells Fargo, we were contacted by a company called American home preservationists. They asked for the same documents as Wells Fargo and instructed us to stop speaking to Wells Fargo. We sent them three months of payments in good faith. After receiving over {$3600.00}, they stopped answering or returning calls. 
Wells Fargo has now sold out loan to a company called XXXX XXXX. They are again requesting the same documents we sent Wells Fargo despite Wells Fargo sending us a letter stating they had forwarded all our documents to XXXX. 
We are 20 days from foreclosure and DO NOT want to lose our home. 
Wells Fargo account # XXXX American home preservationists account # unavailable but contact name is XXXX XXXX, XXXX, XXXX XXXX supposed underwriter. XXXX XXXX contact XXXX XXXX, XXXX. 
This has been going on since XXXX 2015!!!!!!!!!! 
Please help us not lose our home.

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 2016-05-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had made my third trial payment with Wells Fargo Home Mortgage and called several times to find out if they would come up with a plan they said they would instead right after the 3rd trial payment I was sent a letter that my mortgage was assigned to XXXX XXXX and when I called XXXX XXXX although I had a trial payment plan they had no clue what was going on said I should continue with my trial payment plan And when ending of XXXX came so I can make my fourth payment the customer service at XXXX XXXX said my information wasnt in the system. I called several times but no help and they hardly pick up the phone with a live representative this company XXXX XXXX. When I finally threatened the agent about speaking to my lawyer, he called back with in 5 mins and stated he could take my payment when just 15 minutes before another customer service said my information wasnt on the computer system. Then after this person who is taking care of my case took my check number stated he couldnt give me a confirmation number that he didnt have that which I thought was super strange. After that I decided to check the reviews on XXXX XXXX and saw that they had XXXX complaints and not one good review I guess Wells Fargo knew exactly how to give me and my home into more issues.

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 2022-09-09
Company: Experian Information Solutions Inc.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$240.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief