BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-30
Company: Fairway Independent Mortgage Corporation
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During my first initial talks with Fairway Mortgage ( XXXX, ID office - XXXX ) I explicitly asked how twice monthly payments would be applied. I was they would be applied once received less a few days for processing. I even went-on to press the point, given that my mother 's mortgage will take her payments whenever, but they wo n't be applied until they are due. Thus, sending twice monthly payments does nothing ; the loan servicer has her money, they continue to charge her interest, and her payments do n't reduce her mortgage until they are due. I cited this exact example and he said no, that is not the case. He even went-on to voice confusion and concern for my mother 's mortgage ; I explained that it 's about 15 years old and maybe that has something to do with it. This was a point for me, as we make twice monthly payments in-order to shorten the life of our loan ; this mortgage is my only debt, I purchased a 15 year mortgage ; I want to be done with it ASAP. 

My loan was then sold to XXXX. 

After many requests by XXXX, I have received a full amortization schedule ( they had been providing me summary information ). Details of my payments show that my payments, just like my mother 's, have been received and cashed as received ( twice monthly ) but once again have not been applied to my loan until due ( or until both payments have been received ). I voiced my concern that this was not what was sold to me, this will add hundreds in interest, and many months to our loan. At this point, they directed me back to Fairway. 

After contacting Fairway ( XXXX is no longer employed there so I spoke with his manager, XXXX ) I was told that it is up to XXXX how to apply the payments and they do n't have any control over that. I pressed the point that I signed a form, along with the numerous other mortgage forms, OK'ing Fairway to sell my mortgage ( which they did to XXXX ) only if the terms and the loan does n't change. Although my interest APR did n't change, the way in-which it was applied did. Which equates to a change. Fairway disagrees. When asked who to contact, Fairway directed me to their corporate office and made no mention of CFPB.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SLS Specialized Loan Servicing, Colorado, does not apply the principal payments I make towards principal but considers it a regular payment. Then they do n't withdraw my automatic monthly payment but move it to later months. That way the company benefits from the spread and I do n't pay down my mortgage. There is no response to emailing the company through their automatic system. It is unclear all the changes they make to my mortgage. This company misleads the consumer. This is not my first complaint to SLS.

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 2022-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hi my name is XXXX XXXX, my issue is Bank of America prepaid claims is denying my disputes, I have filed a police report and have a written statement and I have faxed over to them not once but twice and they say they havent received it and so my claims keep getting denied I was givin the wrong fax information not once but three times I have bin given bunk information multiple times I have all the proof I have the fax cover sheet from a Bank of America branch, I feel like this is done on purpose because they denied the claims again I refuse to be victim to this I have all the paper work to prove that Bank of America is being wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Wakefield & Associates took more than 5 days to send a " verification of debt '' letter from first contact. I had to call back 2 times after the initial call to gain a letter. I disputed the debt immediately when I requested the validation of debt letter. More than 3 weeks later, I received their verification letter. I responded in writing via certified mail within 30 days requesting further information, and also in written request that further communication be done in writing. W & A has continued to call on my cell phone, neglecting my request to further our communications in writing. It has been more than 30 days since they have received my letter, and they have not provided any further information. I would like this matter resolved as they continue to call me demanding the debt and have not validated that I own the debt.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-10-17
Company: GREAT LAKES
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have experienced so many problems dealing with Great Lakes XXXX. I lost my job in XXXX, 2016. I informed Great Lakes regarding my situation, and I have requested a forbearance for a year, and I was approved. Fast forward to XXXX, 2016. I landed a job in XXXX, 2016. But, I was making much less. I informed Great Lakes, and said that I could start making payments. I completed my Income Based Repayment form, took a picture, submitted documents using the Great Lakes app. I have n't heard from them, I called them the first week of XXXX, 2016 ; no one processed my application. I submitted my offer letter along with the application, uploaded to the Forms section of Great Lakes website. I called back, and was told that they could n't accept my offer letter, they needed my paystub. I submitted that. When I called again, they decided to process my paperwork. Then, I filed a complaint with Great Lakes. They failed to reached out to me. They told me that I would pay {$76.00} at the end of XXXX, 2016. I paid the {$5.00} that they requested on XXXX XXXX, 2016. They lied and told me that they would deliver my pay schedule to me. Here it is almost two weeks later, and I contacted them today, ( Monday, XXXX XXXX, 2016 ), they said that they have n't processed my request, and I have to pay {$200.00}. Why must I do that, when I requested a forbearance. I told them that I was done with them and their running around. I informed them that I will contact Department of Education, my Congressperson, XXXX, and the Consumer Financial Protection Bureau.I have all of my emails from Great Lakes, and my response to them to provide to you as backup upon your request. 

Thank you, XXXX 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 2015-10-08
Company: Massachusetts Educational Financing Authority
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I 've had a private loan serviced through ACS, and they recently increased my monthly payment without notice. My monthly payment had been {$290.00} a month, and it just recently increased this month to {$460.00}. I can not make the original {$290.00} payment each month, having to make installment payments twice a month to keep up, and now they 've raised the payment out of the blue. I have been lied to, harassed, and threatened with litigation repeatedly. Please help me deal with this predatory company. I have submitted complaints about this company before to CFPB and nothing has happened, but they continue to charge me more money each month, which I was never notified about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
hello i have in my credit report XXXX account not is mine, and never buy anything for this ammount.

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 2015-09-19
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our previous mortgage loan servicer, Specialized Loan Servicing LLC, has denied receiving our payments during the past ten months. This is despite our continued on time payments. ( We do have bank statements showing receipt of funds, dates and check numbers. ) The new loan servicer is XXXX XXXX XXXX SLS refuses to discuss the status of this loan with XXXX who needs to have the payment record to fund our new mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
The XXXX Homedepot collected a payment of {$520.00} via the phone for a recent flooring project and it is not reflected on my card statement. This payment was made after Homedepot charged my account for {$4000.00} plus dollars. The Rep said it was an additional charge that the installer quoted during the job and I had to pay it. In order for the job to be completed, I promptly paid it. They placed me in a very bad situation by not even allowing me a day to sort things out. Although I had paid upfront for the job based on the quote, they suddenly came up with this overage out of the blue. Now, the money has not been applied to my credit card account. I contacted XXXX XXXX, manager at Homedepot, and he indicated that the accounting dept would contact me. I have not been contacted. I will attach my documentation so that you can clearly see that my payment is not reflected. This concerns me and I think someone at Homedepot has mis-applied it to another account or even worse, my have placed the funds in their 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 2016-09-13
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my loan was transferred or bought by specialized loan services XX/XX/2014. since this loan was transferred from XXXX mortgage it has been marked 1 month behind to the credit bureau for 23 months.I have repeatedly sent proof that I was not late on my payments. there was a mishandling of my funds for almost two years. It has obviously affected my credit and financial wellbeing and continues to do so. Specialized loan service has been unwilling to work with me on this issue even though they have repeatedly admitted this is their mistake to myself and XXXX. Sls is light years beyond the worst company I have ever worked with or heard of. Their negligence is by design. They are a predatory lender who preys on ''sub-prime '' loans. It is clear to me they have something to gain from manipulating peoples financial lives to foreclosure., As of right now they have corrected the payment issue but have n't corrected my credit.

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 2016-11-04
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Caine & Weiner is collecting on an insurance policy that does not belong to me and was opened up without my authorization. TGhey 're collecting for XXXX XXXX. I have sent over a police report and FTC Affidavit stating this is fraud and to cease collection. The item was removed from my account on XXXX/XXXX/2016 and was re-inserted by Caine and Weiner on XXXX/XXXX/2016. They stated on a previous issue that they would be removed but they re-inserted it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am involved in a court case involving child custody, and based upon the court hearing, there is some indication that Sallie Mae may have released my confidential loan information to parties that are not listed on the loan. I have read their confidentiality policy, and what information they release and which parties they are authorized to release it to and I know for a fact that I did not authorize a release of the information to any of the parties that were in the hearing and I know that none of them are the listed parties that Sallie Mae can release my loan information to. 

Additionally, there is some indication that the parties involved in the law suit ( which are not involved in the loan ) made a fraud allegation in regards to my loan that are unsupported so now the loan is in default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: IQOR US INC
State: IL
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:
My direct loan is in default. Allied Interstate has my loan in collections and I have been making payments for 15 months. All of my payments have been applied to interest, fees & charges while no percentage of my payments have been applied to the principal. Allied is telling me that I can not rehabilitate my loan or ever get it out of default without settling in full. 

1. The guarantor still has my loan. I have repeatedly contacted my servicer and I tried to work out a rehabilitation, but they wo n't work w/ me. Allied Interstate is not operating with my best interest in mind. Why am I not getting other options? 
My loan is federally backed. Allied Interstate could cash this loan out at 100 % with the XXXX and get fully compensated. I could become eligible for an income based program if they did this. 
They could offer me rehabilitation. 

2. In XXXX, I should have been directed to sign a master promissory note of some sort, but where is the form with my signature? I have no record of consolidation. I was not properly informed and I do not remember signing a document for the consolidation that occurred in XXXX. 

3. On XXXX XXXX, I went into default. However, from XXXX XXXX, XXXX ( after rehabilitation ) through XXXX XXXX, I was not provided a new payment value so I had no way of knowing that I had a payment due. I should have been told I owed payment. 

4. In XXXX of XXXX, XXXX held hearings on the mismanagement of student loans. I understand this is a current hot political issue because it has big consequences in the lives of constituents. My creditor is not acting in the interest of me, the customer. XXXX is only applying my payments to interest and fees while my loan remains indefinitely in default. As a result, I can not go back to school, I can not buy a house, and I can not get a loan for a wedding ring while my loan is in default. My life has been crippled. 

.

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 2016-11-28
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have set up my account with Honda Financial Services for autopay for several months now. Somehow autopay discontinued the day of an XXXX/XXXX/2016 payment date and I did not get any notifications or letters that payment was pending or that autopay was canceled. I was then charged a {$20.00} late fee and I received no notificarions of non-payment. Then they finally mailed a letter to me dated XXXX/XXXX/2016 that my account is not in good standing. They reported me negatively on my credit score on XXXX/XXXX/2016 - it dropped by XXXX. I was given no real chance to know or resolve the issue. I received the letter they sent on XXXX/XXXX/2016 on XXXX/XXXX/2016 due to the holiday. I did not even know my account was in bad standing until I checked my credit score on XXXX/XXXX/2016. I immediately logged in and paid the full amount due. I called Honda Financial Services on XXXX/XXXX/2016 to ask what happened to my autopay and to let them know I was n't notified of anything. The representative told me that by law they do not have to notify me of anything and are not obligated to let me know. This is ridiculous and very upsetting that I trusted their autopay system and for almost a year had no issues with it and for something to like this to happen, for which I did not do, and for them to not give me any courtesy emails or mail or phone calls until I was knocked XXXX down on my XXXX score. The representative also told me it is not their problem it is mine. I feel very cheated and believe this is a great injustice as it hurts me a lot, for something I did not do wrong and for trusting their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX I left a company, and several months later a collection agency contacted me stating that I owed {$26000.00}. After several months and years of contact, no contact, could n't figure out where the debt sat, I was served with a lawsuit in XXXX XXXX. However, I hired a lawyer, he demanded verification of the debt. When we received that, it was a man made excel spreadsheet with many many errors, including duplicate charges with different amounts, overlapping charges, as well as the amounts did not sync with their claims. It was eventually taken before a judge and the judge dismissed the claim in CA court. Now the statutes of limitation has ran out, but they refuse to take it off of my credit report ( they said in XXXX XXXX it was n't on there, but it has been there since XXXX XXXX. ) They keep telling the reporting agencies that instead of resolving this, I need to call them. However, the contact uses very threatening and intimidating language and tactics and I am not comfortable doing so. Even my lawyer was shocked at how aggressive and threatening he was. 
Also, they accessed my credit report without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: FIRST ADVANTAGE CORPORATION
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
wrong name on credit reort, containing a felony of burgulary by the name XXXX. my name is XXXX XXXX XXXX. this in return cost me a good job @ XXXX 2 weeks now @ {$18.00} an hour. please contact me asap XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, ohio XXXX also XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Credit Plus Inc
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I disputed a collection account on my XXXX credit report. On XXXX XXXX, 2017, XXXX confirms the account was deleted. On XXXX XXXX, 2017, Mortgage Lender obtains merged credit report from Credit Plus , Inc. that showed the account that was supposedly deleted. This affected my score and ability to obtain credit. I informed the Lender that the report was incorrect. Lender had me call Credit Plus directly who told me they could correct the report, but only if the Lender requested such. Lender informed me that this correction would cost {$150.00} and he would not do it. I contacted XXXX who confirmed the account was deleted on XXXX XXXX, 2017 and that anyone who ran my credit the next day would not have seen the account. Alternatively, XXXX may have deleted the account and failed to inform me that such deletion would not report for a matter of days. Either way, now I 'm stuck with either having an additional inquiry on my credit report or not getting my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Honda Financial Services charged, without permission, my checking account that was attached to my loan. I had already made a payment on XXXX/XXXX/2016 and today, XXXX/XXXX/2016, that same exact amount was charged. They had no permission nor consent to charge my account. Now i am dealing with a huge negative on my account, as well as future overdraft fees. 
The fact that i have to call honda, wait for hours to be on hold and just get a message that they 'll resolve the issue soon is unacceptable. Also having to contact my bank, who is n't at fault.

Company response to consumer: Closed with explanation