BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-17
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Here is the timeline of issues : XX/XX/2016- I signed a contract and placed a deposit with a company for a metal building for XXXX with an anticipated delivery date of XX/XX/2016. After that the building company was in contact with me and I started to get very suspicious of their business practices especially considering the high pressure sales tactics they used. I was advised that we could change the building at any time since I wanted to use it to build a primary residence and that no work would be done by their engineering group until we had agreed to the final design. Later I had a discussion with the merchant about possible downsizing the building and making it a garage, and then a few days later I received a packet of engineered drawings of a building that was similar to my original contract but not the same and obviously a boilerplate drawing. I followed up with the engineering company and the merchant and let them know that I did not authorize this and the drawings were not correct. I also was told that it was fine and not to worry as I could make changes any time. 

Later in XX/XX/XXXX I contacted the merchant to ask about cancellation and was told there were no refunds but I could downsize. I also contacted Discover to ask about their dispute policy as I was worried my window as coming up and was assured that they have a XXXX year dispute window and not to worry. Finally as I was learning more and more about this company I decided that I did not want to give them any more of my money and would like a refund so I called Discover to explain the situation and pursue a dispute based on the fact that the goods and services delivered were not was was contracted, the contract was illegal, and the work was never authorized. 

Discover sent the charge to dispute through the XXXX who allowed a XXXX day response window. THe merchant did not respond within the XXXX days nor were they able to provide anything in writing that showed I had authorized these drawings. Despite being outside of the window, not having anything in writing from the merchant showing my authorization, and an illegal contract by the merchant, discover still sided with the merchant. I sent them communications I had where I discussed that these plans were not authorized and showed them discrepancies in the contract but they still sided with the merchant. I explained that the merchant did not include the requisite 3 day rescission window and also pointed out that my dispute date of XX/XX/XXXX was within the timeframe of the anticipated delivery date on the contract. I then pointed out that I received incorrect information from Discover in XX/XX/XXXX that led me to believe I had a XXXX year window of protection. Despite all of these facts, and no documentation from the merchant that I authorized these drawings, Discover still found against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This pertains to Case number : XXXX. 
Today, I have called Ocwen to find out why the modification process was not updated yet. I was instructed that they were still missing one last document. I explained to the lady that we sent all the paperwork but would be happy to send it again. We got into this mess because back in XX/XX/XXXX we paid the {$5200.00} that was due to reinstate the loan back on XX/XX/XXXX via wire from our bank. I called for days and monitored the account but no funds from the wire ever showed posted. It was explained to me today that their records show they did not receive payment until XX/XX/XXXX and that is why they did not honor the reinstatement of the {$5200.00} and put us into foreclosure, not returning our funds until XX/XX/XXXX. Ocwen 's bank is XXXX XXXX ( we all know about them ) who clearly told me they can take up to 3 days to post a wire! How criminal is that? I also talk to another agent at Ocwen who said it was sent back because there were foreclosure fees from XX/XX/XXXX that were never paid and they are due and have to be paid. Even thought I told him what their own letter said, he stated that form is n't really for our loan. We have an FHA loan. So neither person could really tell me the truth. So now we are in foreclosure with new fees being added to the account. We applied for a modification to stop the foreclosure process and today I was checking on the status. The young lady did tell me we could pay the {$9900.00} that is now due to reinstate the loan ( you ca n't pay your monthly payments while in foreclosure and late fees keep adding up plus new fees ). She stated there are new foreclosure fees that are being added but those will be added to the end of the loan and not necessary to reinstate. I explained to her that is why we are in the mess we are because Ocwen said we have to pay the original foreclosure fees and the {$5200.00} did not satisfy the total amount due despite what their letter said. She said, no, it was denied because it did not have XX/XX/XXXX payment in it because we did n't get it until XX/XX/XXXX. So why did XXXX XXXX who is the bank for Ocwen keep the money for 3 days? And now I am in foreclosure but she assured me I can send the {$9900.00} to reinstate and they wo n't need the foreclosure fees of {$2000.00} up front, just at the end of the loan. Looks like XXXX XXXX ca n't open bogus accounts with lines of credit so maybe they are taking the wires and using those as cash for federal reserve money for points? Interesting .... And Ocwen ca n't tell me the truth about the letters they send to their customers ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was charged {$70.00} in NSF fees by Wells Fargo. These charges were for XXXX debit card transactions that Wells Fargo paid. I declined the 'courtesy pay ' service when I opened the account, but was Wells Fargo opted to pay the debit card charges and assess me XXXX fees. Actual charges were XXXX, Wells Fargo paid it, then charged me XXXX, the other charge was XXXX and Wells paid it, then charged me XXXX. They declined to refund the money even though they verified I am NOT enrolled in " courtesy pay ''.

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 monetary relief
Consumer complaint received 2017-04-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been the victim of identity theft fraud and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcy was fraudulently filed in my name. They have yet to delete any of the accounts, inquires and BK filing. They are literally holding me hostage to a debt that I did not create. I need assistance immediately!

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 2019-12-17
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I received a Notice Of XXXX XXXX on my gate advising that my home, where I operate my XXXX Business would be up for sale on XX/XX/XXXX at XXXX XXXX by lender Statebridge and Trustee XXXX XXXX XXXX. When I called to inquire about this sale I was advised that this was a HELOC loan that originated in XXXX. On XX/XX/XXXX I was forced to file bankruptcy due to a dramatic decrease in my income as a result of government funding. In filing my bankruptcy, XXXX XXXX   XXXX was the original lender for my HELOC loan of {$130000.00}. It was my understanding that once I filed bankruptcy and received the charge off that I was no longer responsible for this debt. 

Fast forward eight years later I have a noticed of XXXX XXXX for a HELOC loan that was included in a bankruptcy. On XX/XX/XXXX I reached out to XXXX XXXX XXXX in writing and requested two items : one Reinstatement Figure, second Pay off Demand. On XX/XX/XXXX I received the Reinstatement Figure of {$100.00}, XXXX and Pay off Demand of {$200000.00}. I am perplexed by these numbers I have received and I wonder if the actions of lender Statebridge and Trustee XXXX XXXX XXXX are valid and legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: ONEMAIN FINANCE CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
I was approved after they ran my credit twice then all of a sudden after a few hours they came back with some XXXX excuse she said call me in a week and we can close it out well I found out in a week it was to late they told me to reapply so I did and again I was approved took another hit on my credit and a few hours they changed their mind again blamed it on underwriting said its because I just applied 2 weeks ago even though they told me to reapply I feel like I was played when I spiked to the manager and asked her to call underwriting she agreed but I work at a XXXX hospital I can tell when people are playing games. She didnt really call them one main financial XXXX XXXX XXXX is one big joke that play games with peoples credit and they do not care because they arent held accountable for their actions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a XXXX mortgage on my home. In XX/XX/XXXX Specialized Loan Servicing ( SLS ) became responsible for my loan servicing. I have had numerous errors with Specialized Loan Servicing with regard to the ACCURACY of my payments, escrow, and tax forms. As of the date of this complaint ( XX/XX/XXXX ), SLS has still not provided me with an accurate IRS XXXX form, despite multiple calls and written requests. The intention of this complaint is to formally demand that Specialized Loan Servicing provide me with an accurate XXXX form as well as to provide a root cause as to why there were errors.

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 2017-04-11
Company: FIRST HERITAGE CREDIT LLC
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am being called multiple times per day, from both the office and from personal cell phones of employees in the office. They are also sending text messages telling me to call them. I have advised them of medical issues I have that are currently preventing me from working, and I was advised that they were going to sue me in court, garnish my wages, and take personal property that was used as collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with Chase Bank ( XXXX XXXX ) on refinancing my current mortgage loan and feel they have deceived me into thinking my closing cost would be {$1300.00} when it actually ended up being much higher than what they told me. I have attempted to talk with them and get a clear explanation but the representative I was working with was giving me the runaround and making misleading claims trying to get me to believe it was really {$1300.00} but it was not. I have asked if they would refund my {$500.00} application fee but they said it is non-refundable which I was aware of when I started the process but I wasnt aware they would mislead me on the closing cost the way they did. I have since went with another bank. I have tried to discuss the matter with the bank manager (  XXXX XXXX ) and she said she would get back with me after our last call together but after numerous attempts to reach her she wont return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2017 my debit card was compromised with unauthorized charges. Bank of America notified me with a text alert. The card was immediately cancelled. However, on XX/XX/2017 they paid XXXX charges to the same " hacker '' - totaling over {$400.00}. I spoke to the fraud claims dept on XX/XX/XXXX from the office of a local branch manager and they assured me that my money would be back in my account on Monday, XX/XX/XXXX. The funds still are not in my account. I have spoken to at least 8 different people and they are always in a different state and always a " scripted '' answer!!

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 monetary relief
Consumer complaint received 2019-12-17
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: Information belongs to someone else

Complaint:
It's not my account, i never applied for it. I believe that somebody used my personal information and applied for this company.

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 2017-04-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I currently have $ XXXX in private student loan debt initially with XXXX XXXX and since has changed to Navient. The payment asked was {$1400.00} and change per month. 
Through various attempts and requests for programs to make my payment something manageable, I was awarded two back to back rate reduction plans that brought my interest rates to 3 % ( but only on XXXX of the XXXX loans ). The payment was reduced to {$710.00} a month. 
This amount was barely manageable, but I made it work to keep my credit in good standing. I contacted Navient at the end of the most recent program enrollment ( scheduled to end XX/XX/2017 ) and was told my payment on the same XXXX loans if we did nothing would be {$1200.00}, which is clearly far more than I had been paying and again not feasible. The best payment offered was {$840.00}. This amount is still a large stretch for me. After going through all the financials the representative even asked how I pay my bills since my expense to income ratio was negative. If that is the case how can I afford {$840.00}? 
My " normal '' interest rate is 10.25 % on some of these loans, 10.25 %. That seems excessive and far above the current interest rates. At that kind of rate, paying off my loans in my lifetime is not possible. There has to be something that can be done in the private loan sector to alleviate this kind of pain. I do not disagree I owe back the {$70000.00} I borrowed, but at what cost? Owing over {$100000.00} in just interest alone is crazy. 10.25 % is predatory by all accounts of the word.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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 status incorrect

Complaint:
My XXXX loan account is NOT showing current but it is current

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
There are three companies involved in this matter. I play games on my phone with XXXX and they have issued 14 refunds to me the refunds were supposed to go to PayPal. Paypal claims they sent them to my XXXX XXXX debit card. its a total of {$480.00}. All 3 companies blame the other companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-30
Company: Aldous & Associates, PLLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On the XXXX of XXXX I applied and pay the app fee of {$50.00} for XXXX XXXX. On XX/XX/XXXX on the way to go view the house the property manger called me and said I couldnt look and my app been denied because of rental history. I dont know if it did that because I was late making a payment, but it's been verified by my landlord and the property company that I dont have a rental history and I've been a tenant for 11 yrs without any evictions and I have a XXXX balance. 

On XX/XX/XXXX an account with Aldous and Associate was placed on me. Its was XXXX XXXX and now called XXXX XXXX. I've had good cause and reason and tried to provided to the gym that I need to cancel my membership due to a heath issue that may cause XXXX. I tried to pay what I owe and they woudnt accept it. The company sent me to collection and when I called the supervisor to dispute the issue, the supervisor was very nasty and cursing at me stating that they going to put it on my credit even if I had documentation from the dr or not and I will be givng them their money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I havent had services from this company. And I havent received any notices from this company with verification of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PHH calls me, and when I answer the telephone, they hang up the phone. Or Ill answer and repeatedly say hello, then theyll hang up. 

Yet they have hour ( s ) long hold times when you call them for assistance. They refer you to reps who dont answer and their voicemail is full. 

PHH is only interested in charging fees and foreclosing. Theyre not interested in communicating or helping their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX / {$690.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/2021 XXXX XXXX {$550.00} / XX/XX/2021

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 2017-04-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX turned our account to Select Portfolio Servicing in XXXX between XXXX of 2016. No explanation why our account to Select Portfolio Servicing.SPS Office has no idea what they were doing to read the system. I answered the system to accept the monitor on recording our conversations. SPS told me that they will not accept our personal check toward the Principal. They requested us in writing to ACH Withdrawal and I faxed them and they were supposed to add Property Tax into Escrow has not set up. I faxed again to requested the ACH withdrawal {$800.00} and set up on due date every XXXX of month. Since We were with XXXX XXXX. Select Portfolio Servicing, did not set up and without us knowing that they went ahead withdrew on XXXX of XXXX XXXX which i was charged by my bank and my bank overdrawn fee refund back in. SPS Office admitted mistakes on recording and supposed to credit it back in our acct. They withdrew {$700.00} on XX/XX/XXXX not following my instruction that i requested {$800.00} on XXXX each month. They keep asking me to send in writing to request again. I was so angry with them keeping asking in writing. I faxed few times to them for requested to withdrawal on due date and extra money to principal and escrow account. Select Portfolio Servicing Office these people do not know what they are talking about and I feel these people has no knowledge about our account history with XXXX XXXX. I was supposed to receive the lower interest by XXXX from 6.4 % to 6.1 %. SPS has no idea what I was talking about and they do n't even have no clue and said that the system shows. I feel there is something is not right and I do not know why XXXX turned our account to other companies that are working under the XXXX?? I believe there is a lawsuit against XXXX and I feel someone needs to investigate this company Select Portfolio Servicing.I want this solve the problem with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I want to sumbit a complaint against Navient. I have been paying on my loan for years at XXXX a month with no end in sight. They just raised my rate to 7 % and when I called for help they told me there is nothing they could do for me, would not tell me how high they can raise my rate or how often, they said the only way I can help myself is by paying off the XXXX loan I have with them. They are criminals. They are the worst company and I do n't know how they get away with doing this to people.

Company response to consumer: Closed with explanation