BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: MoneyLion Inc.
State: CO
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:
I took out a short term loan with Moneylion on XX/XX/XXXX in the amount of {$500.00}, I made a payment of {$100.00} on XX/XX/XXXX and unfortunately defaulted on the remaining balance. I contacted Moneylion on XX/XX/XXXX and made a payment of {$200.00}, and on XX/XX/XXXX, made another payment of {$300.00}. 

Both payments have not been reflected on my Moneylion account and they are not reflected on all my credit reports. Moneylion is reporting this account as a " charge off '' to XXXX, as a " charged off as bad debt '' to XXXX and " unpaid balance reported as a loss by credit grantor '' to XXXX. 

I have called Moneylion several times about their credit reporting and was told that there was nothing they could do about how the agencies report. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I HAVE BEEN IN DISPUTE WITH BBVA BANK SINCE XXXX IN REGARDS TO LATE PAYS THAT HAVE BEEN TAKEN OFF DUE THE THE BK ON FILE AND PMI ISSUES THAT AS WELL TAKEN OFF. ALSO AT LEAST XXXX PAYMENTS NOT POSTED CORRECTED. 
NOW I HAVE ATTACHHED MY BK ATTORNEY DOCS AND US DEPT OF BK FILED AND SIGNED BY THE JUDGE ON THE MODIFICATION OF MY MORTGAGE. IT SEEMS THAT BBVA NEVER COMPLIED WITH THE CORT ORDERS WITH THE NEW RATE AND TERM AS WELL THE PAYMENTS SINCE THE CASE CLOSED XX/XX/XXXX. I HAVE TALKED TO NUMBER OF VP 'S IN THE MORTGAGE INDUSTRY AS WELL MY OWN CREDIT UNION XXXX. I HAVE BEEN IN XXXX FOR OVER 20+ YEARS AND KNOW FOR A FACT THAT THIS TIME BBVA HAS REALLY DROPPED THE BALL ON THIS CASE. 
I WILL BE FORWARDING THIS COMPLETE FILE TO HUD/FTC/FAIR LENDING COMMISSION. SO REVIEW THIS CASE AS WELL. 
THIS LOAN SHOULD HAVE BEEN LOCKED AND FIXED UNDER CASE XXXX FILED UNDER THE UNITED STAES BANKRUPTCY COURT XX/XX/XXXX. 
I CONTACTED BBVA AND THEY STATE MY RATE IS ONLY GOOD TIL XX/XX/XXXX AND ITS VARIABLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14
Company: NCC Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
We satisfied what we thought was the final settlement with the holder of the debt. No attempt from NCC BUSINESS SVCS INC was received explaining that they are going to be the holders of the debt. A surety bond was even exercised by the original holders of the debt and a clear validation was never distributed to my brother XXXX and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
LoanCare mortgage servicing failed to provide/send updated mortgage servicing information to the stated insurance company despite receiving this information from my previous loan servicing company. Consequently, the homeowner received several bills for the home insurance premium. Furthermore, the home owner has an escrow account with LoanCare with more than enough funds in the account to cover the insurance premium. 

LoanCare has continuously engaged in egregious customer service practices, which causes the consumer/homeowner unnecessary duress as well as substantial lost of time and in some cases money as the consumer attempts to resolve the issue ( s ) at hand.

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 2016-09-20
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a HELOC with BBVA Compass Bank. This morning I phoned my branch to inquire as to why my automatic payment that was due on XXXX had not been taken out of my account. The person I spoke to could not answer my question and informed me that my branch did not have a manager. I called the main number to the bank and after being on hold for more than 20 minutes I spoke to a manager named XXXX # XXXX. He informed me that because I made a principle payment in XX/XX/XXXX, the bacnk takes that money and applies it to my XX/XX/XXXX payment and does not take out an automatic payment when one is due. That means that the bank continues to charge me interest for an additional month. In my opinion that is just plain stealing. I set this account up so that the payment would be taken out automatically and I could make additional payments when I could afford it. I have XXXX children in college and I work XXXX jobs just to try to stay ahead and then I find out that the bank is stealing from me and probabley XXXX other customers because no one told them how to avoid this issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home closed on XX/XX/2016. I contacted Loancare ( who the mortgage was through ) at the end of XXXX about any escrow balance. They informed me we had just over {$43000.00} in escrow that was due to us, and that the funds were released XX/XX/2016. We have NOT received any of this money. Yes they have my updated information. I have requested new checks 4 times now and every time I call I get put on hold and they just tell me " the situation has been escalated. '' I have documentation showing how many times I have called, the messages I have left, and the emails I have sent. I hired an attorney to send a certified letter to Loancare, which he did, stating if the funds were not in hand by XX/XX/2016 I was filing a lawsuit. All I got in response was a generic email and NO money. My attorney recommended then that I contact the ILDFPR and they requested I contact you. I have documentation of all of the above and how we have not gotten a refund. Please help me! 

( I would also like to mention that the loan is under XXXX and XXXX. XXXX is my ex husband we owned the house together. When we divorced I went back to my maiden name of XXXX. I have court documentation proving all of this and can provide you with XXXX information if needed, he is aware of the situation and on board with moving forward. )

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 2016-07-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my loan with Carrington Mortgage LLC in XXXX of this year 2016. As early as this month, my mortgage payment has gone up again. When I contacted Carrington in XXXX 2016, they assured me that my monthly payment would not go up. They told me that there should not be another escrow analysis done until next year. For whatever reason, my monthly payment has now gone up again. I only refinanced a few months ago! I have to wait on the phone for literally 45 minutes to an hour to get an " explanation '' that does not make sense. I can also not make more than XXXX payment online per month. Ever since Carrington took our loan from XXXX XXXX XXXX it has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
When I currently have a house loan thru Carrington Home Mortgage and for the past year it has been a constant battle with this Mortgage company from not applying my payments correct to flagging my account as a bankruptcy ( which I have never have filed ). I recently decide too go ahead and refinance by house loan thru another company which is offering a better interest rate. Carrington has been roadblocking in which way possible for me on to access the information on line to provide to the new mortgage company. I have made several attempts and spoke to over XXXX supervisors at Carrington promising that this bankruptcy issue would be removed and the statements would be recreated and sent to me and as of today XXXX/XXXX/2016, it have been over a month, and not received the information that I need to proceed with my new loan. I am XXXX and XXXX man this issue is causing health issue because of the stress. I need you help to help me with th abuse this company is placing on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred to LoanCare LLC about 6 months ago and I have an issue with a {$10.00} fee that I am being charged every month. They charge this fee depending on when you pay your mortgage during the month. I have been paying on the XXXX of every month due to my pay cycle at work and I am forced to pay an extra {$10.00} because of this. According to all my documents and closing papers this fee is being wrongfully charged. Before it was transferred I made my payments in a similar fashion and was never charged a fee. Is this legal? I would like to stop paying this fee and would also like to get my fee payments back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In order to manage Trust account XXXX XXXX XXXX referred Compass BBVA Compass. Like the account before I move compass Had Been comprised via Home, Auto and Mail.Describe what happened so we can understand the issue ... 
At XX/XX/XXXX and XX/XX/XXXX, I deposited {$120000.00} and {$40000.00} it appears I was steered to the service in order to access fund via electronic charges and guardianship paper there stolen as a minor from my home by extended family. it seem more than just XXXX card was assign to XXXX a account as well. 
Product Bank account or service : Checking accountIssue Deposits and withdrawals

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
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 2016-01-06
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I began to refinance with my current mortgage co and during the process our mortgage was bought by LoanCare. I paid the first payment to them when due and since the refi co was waiting for payoff letter I contacted LoanCare and they said they did n't have the payment yet and therefore could n't get an accurate payoff. My bank verified they sent payment and after being told by customer service at LoanCare that I should pay another way so I am not late, I did so over the phone with them and put a stop payment on the bank check. I stated to Loancare that I did a stop payment and to please note the acct as such. 2 days later I received a receipt stating they got the check and applied the funds. I called and told them that was not supposed to be an they said to not worry since the money would end up not being applied after the fact since I paid XX/XX/XXXX due. Well Loancare sent the payoff with the extra funds in the amount without anyone knowing this and we went to closing and finalized everything with funds being funded from mortgage co to Loancare XX/XX/XXXX. Loancare stated that I owe XX/XX/XXXX funds as well as the FHA regulator interest for XX/XX/XXXX now, {$880.00} on top of the mortgage! I stated that the funds went through XX/XX/XXXX and they said it was after XXXX therefore they had to add on the other money due to holiday and not processing until XX/XX/XXXX!!! Every call into customer service was terrible and left me in tears. They were beyond rude and completely arrogant in their responses. The timing from start to finish on how they handle money is beyond unacceptable and I cant imagine if they were my mortgage company for good! Considering they lost a check for 2 weeks, then applied is after I paid over the phone and then took the payoff amount 5 days to process that in turn leaving us to owe money that we do n't have! Terrible and sad that this is okay in the work of money, as well as the customer service dept being beyond terrible and barley able to understand what half of them are saying. SAD!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Compass bank is unfair and unethical. I have overdraft protection from my savings account. I pay a XXXX fee for the transfer which is fine. However, I overdrew my checking and funds moved from my savings. I paid an nsf fee because my od transfer was not enough. That 's fine the kicker is I paid the XXXX transfer fee and because my account was still overdrawn I paid an nsf fee on my overdraft transfer fee. I 'm having to pay a fee on a fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was modifying my mortgage loan with Carrington mortgage. The representative I was working with told me I had to stop making my mortgage payments in order to qualify for the remodification. I was told that the late payments would not be reported to the credit bureaus. I did so and the remodification went through. Several months later though I checked my credit and the lates had been reported and now my credit is suffering because of it. I 've contacted Carrington several times and they 've never called me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Jonathan C. Frank & Associates, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have been receiving calls stating that there is a debt that I owe, however the " so called '' law office would n't supply any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Focus Holding Company
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted collection agency on XXXX/XXXX/2016 for payment of total amount owed. Paid total balance owed on XXXX/XXXX/2016 with credit card. The amount was debited to my bank account on XXXX/XXXX/2016. Now the collection agency still show unpaid collection in my credit report. I have disputed this balance with XXXX but nothing has been done. I have also contacted both the original creditor and the collection agency but they refuse to remove the derogatory information on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Requested to have PMI removed from Wells Fargo when the LTV was below 80 %. Home was purchased in XXXX and appraised for $ XXXX. Requested to remove PMI in XXXX and an appraisal was requested. Appraisal came in with a value of $ XXXX considerably lower than purchase date. Appraiser did not use appropriate comparables and valued the home well under the neighborhood value. After much debate with Wells Fargo, we requested another appraisal to remove the PMI which took place in XXXX. Wells Fargo had the same appraiser come out to evaluate our home. This time, the apppraiser valued our home $ XXXX. We provided the appraiser with appropriate comparables, XXXX being our immediate neighbor and neither comparable was used. I feel as though were being misrepresented by Wells Fargo as they chose the same appraiser twice, even when we requested a different appraiser. After we were denied our requests with Wells Fargo we were forced to refinance with another company. We refinanced with another company on XXXX and our home was appraised for $ XXXX. We had paid months of PMI payments that were not needed and a second appraisal fee.

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 2016-04-24
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I made a purchase using my AMEX credit card that went thru my paypal account. The services provided were not provided and I asked the merchant for a refund. The merchant responded that they would provide a refund as soon as possible and did n't follow through. I put the charge in dispute and expected AMEX to credit the charge. Now AMEX is ignoring my documentation and telling me it is up to the merchant to provide me with a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: U.S. BANCORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a vehicle ( XXXX Buick LaCrosse ) from US Bank. The lease term just ended and I paid US Bank {$17000.00} in certified check back on XXXX/XXXX/15 to buy the vehicle. It has now been two and a half weeks and US Bank is not releasing the title of the car and sending it to me. I have called several times and they still have not mailed it. If we consumers were to make a late payment, US Bank is quick to charge ridiculous late fees and ruin our credit report. However, the same rules do not apply to this bank. That is ridiculous! We need to get the title NOW.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Had to check any box above because none pertained to my online experience complaint. See below : I need to file a complaint to the correct agency regarding XXXX GC Services Ltd Partnership located in XXXX CA. When trying to pay monthly agreed amount, I was forced to fill out amnesty form before continuing to make payment. Amnesty form contained answers that I did not agree to, but was autofilled by their software before I can leave page. This company is making consumers agree to information and {$50.00} fee before submitting payments. I did not agree to this and called them promptly to complain. I need to wait for them to remove {$50.00} amnesty fee before I can pay court ticket for my husband. I still am unable to pay ticket amount and his license can be effected by DMV. He must have his license for his job or he will be fired. I 'm sure they are affecting many people and their drivers licenses and need to be investigated. Please let me know if this is the correct agency or who I need to contact to get this resolved and investigated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I got conflicting information on an accepted loan mod from XXXX XXXX XXXX and do n't know what to do

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 2015-12-17
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
In 2009 I had a traffic accident which no citations was issued the police stated no one was at fault, some how Hiday & Ricke on behalf of STATE farm ins. not only was able to go to court and falsify info but as some how gotten my driver 's license suspended, I have no money to hire a lawyer and need my driver 's license to work. How can any one who is a debt collector get some one driver 's license suspend and I was not even notify that there was court proceeding to attend and defend my self. I need some one to look into this for me. Thank you in advance. 

P.S the XXXX was wage garnishment.

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