BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-24
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with Indymac bank since XX/XX/XXXX with a {$250000.00} for 15 years. In XX/XX/XXXX, I retired so my income was drastically reduced. My loan was modified for 40 years. My loan was transferred to Ocwen loan Servicing, which I later found out is the same company. According to Ocwen, an escrow analysis showed that I have over {$4000.00} negative balance. My payment was raised from {$1600.00} a month to {$2400.00} to cover the shortage. According to Ocwen there was a {$2600.00} escrow shortage from XX/XX/XXXX that was not included in the modification in XX/XX/XXXX but why will my payments go up by {$700.00} a month and the modification was done wrong by them. No one knows why this happened but they want me to just pay the money. I continue to make my regular payments according to my modification every month because I asked at the town hall if my taxes had increase, they said no. Where did the shortage come from nobody knows.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Mid-America Accounts Control Bureau, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was called by Contact information : Mid-America Accounts Control Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX, Missouri United States Phone : XXXX saying they had a hostiapl bill from XXXX hospitals that they were turning over to a lawyer unless I paid the debt. I told them I had a credit lawyer taking care of everything. They then told me they would be turning it over to a lawyer. They then hung up the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I had made a deposit into my account with Jp Morgan Chase Bank and a third party that had my account number and routing number went into my account without my permission and withdrew money. Not only did they withdraw money but it was for more than what I had between both savings and checking. The morning I get an email from the bank letting me know that my acct was withdrawn I called my bank and to find out why and they said that there had been XXXX separate attempts to withdraw money from my acct from this party and that XXXX had been approved even though it was fro more money than I had in acct and was then charged for XXXX insufficient fund fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase keeps denying the use of my debit card and gives wierd reasons on how this is to secure my account. It 's been more than XXXX times in the past 2 wekss I had my money locked in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Other fee

Complaint:
I contacted Chase ( JP Morgan Chase and Co ) on XXXX/XXXX/16 and was told that the total balance was {$6900.00}. This amount was paid on XXXX/XXXX/2016 and Chase was instructed to close the account. The account remained opened and purchase interest charges were assessed on XXXX/XXXX/2016 and XXXX/XXXX/2016. There is now a balance of {$72.00} on an account that was suppose to be closed after the final payment was made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-01
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a Jumbo refinance of the home I have lived in since XXXX to reduce my interest payment amount and consolidate a XXXX with Case Bank. I make XXXX a year and have a 20 % debt to income ratio. 
The underwriting department held corporate debt which is paid by mycompany against my personal income and subsequently after a XXXX monthprocess declined the deal. 
In that time the interest rate went up almost one half a percent. 
During the whole process their private investigation company hitMy wife 's credit report so many times that it dropped her credit scorefrom a XXXX to XXXX in XXXX days. Chase Bank should be appalled at theirincredible incompetence when it comes to accurately reviewing financialInformation correctly. Their Mortgage department is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
There was an unauthorized use of my debit card on XXXX XXXX, 2015 @ XXXX. at XXXX located at XXXX XXXX XXXX, XXXX NY XXXX in the amount of {$41.00}, transaction ID XXXX. A second attempt was made for a larger amount, but was declined. My debit card was not lost or stolen so I canceled this card on XXXX XXXX. The only time I used my card on XX/XX/XXXX was at XXXX in the XXXX XXXX XXXX in XXXX, NY. I noticed the charge when I was checking my online account and I immediately contacted my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have XXXX accounts with TD Bank. Select savings and checking accounts. I requested to link both accounts with the savings with the highest amount. I also requested for overdraft protection so that when ever the checking went low, funds would be taking from the savings when I made purchases. The savings account always had over {$1000.00} in it. I have been unfairly charged overdrafts fees over {$1500.00}. My branch has refunded about {$600.00} and says I have to make a report to get the remainder of {$900.00}. From the corporate head office. Apparently TD BANK is known for that and have several people tell me they have similar issues. My concern is I always had funds in my savings account so I do n't understand why I will be charged overdraft fees whiles both savings and checking connected. Please help me get the refund of the remaining amount which is {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: TMX Finance LLC
State: TX
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender damaged or destroyed vehicle

Complaint:
A few years ago I found myself between jobs. I reluctantly Took out an Auto Title Loan. I only needed XXXX Yet the Agent convinced me that if I were to increase that amount to XXXX that the interest would be better. I was late on a payment and they reposed my car. When the car was finally returned to me after two weeks, all of my I.D . including XXXX XXXX XXXX, Drivers License, and Special I.D . to allow entrance to XXXX XXXX XXXX Sites were stolen. The car stereo was broken and everything from the trunk to the glove box was gone. I did file a Police Report and have that number. Since then I have been forced to pay over XXXX dollars for a XXXX Loan. A day does not go by that I do not contemplate XXXX. Please help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never been contacted by the company claiming the debt and I have never requested or contracted any services from them. I saw them on my Credit report and they have never attempted to contact me and will not respond to my demands for proof of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: North Shore Agency, LLC
State: DC
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:
There is a phantom account at XXXX that the company keeps trying to bill me for. In XXXX 2014, I communicated with XXXX regarding the phantom account and XXXX acknowledged that the debt was erroneous. I have e-mail communications to this effect. I recently received a new communication from XXXX 's debt collection agency attempting to collect the debt. Evidently, they switched the account numbers but its the same debt amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a Home Equity Line of Credit with Chase. After I completed a loan modification with my mortgage in 2011, Chase tried to coerce me to do a loan modification on my loan with them. I refused because of the low interest rate. They then repeatedly called me to say I was late or had missed a payment, I knew I had not and when I asked them to indicate when I had been late or missed a payment they were never able to confirm that I was. After reporting to the credit agencies that I had been late 5 times on my monthly payments they forced through a loan modification without my approval and added well over {$2000.00} in fees to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: The Law Offices of Gerald E Moore & Associates, PC
State: IA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a debt with an apartment community and had called the agency listed on my credit report. They told me that the account had been transferred to an alleged law firm. I attempted to contact this law firm to resolve the issue and was immediately questioning whether or not they were legitimate. I performed research on them and had found legal action taken against them, multiple complaints on the XXXX website, and many persons stating they were not legitimate. Thus, I contacted the firm about the issue and never received any real information on their practices or my debt. I asked them for a validation letter to be sent, but they never stated the address it would be sent to and did not disclose the information that would be on that letter, such as my rights under the FDCPA. Since my suspicion was risen, I contacted the apartments that I owe and they had stated that it was very strange for the account to be transferred to another agency and not be handled by XXXX XXXX XXXX, since they only deal with that agency and not Gerald E. Moore and Associates. A lady at the apartment had contacted XXXX XXXX XXXX to confirm that the account was still under their care and had notified me that it was, so I called them back and got the same answer, that the account had been transferred to Gerald E. Moore and Associates, apparently a company under the same umbrella as XXXX XXXX XXXX. I attempted one last time to speak with them about the issue and not one thing was resolved and no other information was given to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: IQOR US INC
State: IN
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:
I had an outstanding balance on my XXXX account. The debt was placed for collections with XXXX XXXX XXXX , XXXX. I agreed to a debt setllement with XXXX for XXXX of the outstanding balance. The last settlement payment was made on XX/XX/XXXX. XXXX shows my account as settled with a XXXX balance. I received a letter from them that the account was now closed and they would inform their client that the settlement was paid. XX/XX/XXXX, I received a collection notice from Allied Interstate LLC for an amount of XXXX for the same XXXX account. I have contacted them on several occasions and also mailed copies of my completed settlement letter from XXXX and they still call my work and home phone several times a day trying to collect on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I faxed as well as supplied the clerk of courts in XXXX county XXXX XXXX, SD a copy of a cease and desist letter to Credit collections this cease and desist letter at this time which was part of a suit against me also supplied a current address at the time since they were using a former address and family member to serve me as well as send letters knowing this was not and had not been my current address since XXXX. They are constantly calling my cell phone and obliviously using still my former address since I have not received XXXX letter from them at the correct address which was valid up to XXXX XXXX, XXXX. They have gone so far as having me served at the former address where ex family member thought it was important they actually accepted the documents thinking it was an emergency. They have also called my children phone numbers since XXXX which the cease and desist letter also states not to call those numbers or any 3rd parties numbers either which they have also. By sending information to non authorized 3rd parties they are also violating XXXX laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Halsted Financial Services, LLC.
State: IA
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:
XXXX XXXX from Halstead financial has continued to call me repeatedly, he has stated multiple times that they are taking legal action against me when I told him my situation and offered to give them what I could he told me it was n't good enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX, I am an elderly woman, after my husband died 2 years ago, I appointed my son, XXXX XXXX, as my Power Of Attorney. My son has brought to my attention some very disturbing information about the mortgage my husband had with XXXX XXXX Bank. 
XXXX has worked very hard to get information regarding the loan from XXXX Bank, who claims they own the mortgage, but they have yet to answer our questions. Unfortunately, XXXX Bank claims that my son has to deal with SLS, even though it is XXXX that is suing me. 
This has all become very confusing, my son says he cant get the information I need to defend myself. XXXX and SLS are running him in circles. XXXX is asking for a " summary judgement '' against me, and we have n't even had our questions answered yet. SLS and XXXX are stone-walling us at every turn. I have applied for a loan modification through the XXXX program, but so far with no success, because XXXX and SLS are asking for my personal information, which I will not give out, until they provide me with proof that they in fact do own the loan! 
please help me, I do n't know what to do next. 
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 2016-09-30
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX I submitted a complaint similar to the XXXX today. SLS my servicer responded and alleged I had missed my XXXX XXXX payment, and that I did not make this payment until XXXX XXXX. If you will review attached proof of payment made you will clearly see I did not miss this payment. SLS ( my original complaint ) has been misapplying my monthly mortgage payments regularly. I do not know who can audit their files regarding my payments and unapplied payments but this is highly suggested. I have incurred late fees after late fees and now SLS has me in foreclosure.

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 2018-05-26
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate account on my Experian credit report. FTC ID Theft Report # 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
Consumer complaint received 2015-06-12
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I started a loan modification with XXXX XXXX in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. Niine months into the process they sold the loan to SLS after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. SLS service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when XXXX sold the serving it included both the XXXX and XXXX because they were differing ,XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to XXXX and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with SLS. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from XXXX. I requested my note from XXXX over 45 days ago and they still have n't provided it. XXXX reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to SLS and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies XXXX ( original lender ), SLS ( XXXX servicer of my loan and loan modification provider ), XXXX ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I talked with Revenue Recovery to learn how I suddenly owe {$650.00} and to whom. I was told it was for an ER visit to XXXX in 2011. They said I worked at XXXX and had XXXX health insurance. I explained I have never been to XXXX ( I reside in XXXX ). I did not visit an ER in 2011 and I have never had XXXX health insurance. I asked why six years later they determine I owe this amount to this facility? I was not offered an explanation. The woman said she would put this matter in dispute. The next I learn, the debt is turned over to the credit bureau as a legitimate debt owed by me. It is not mine. I ask that it be removed from all credit bureau reports and that it be written off, or the facility find the actual person who owes this alleged debt as it is not me. I believe they are past the statute of limitations to collect on medical debt in Kentucky anyway, and this attempt to collect a {$650.00} debt owed to a facility which I never visited is against the FTC.

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 2017-02-20
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
went to a XXXX presentation found out was a scam tried to cancel with in the 30 day period XXXX office disconnected there phone and doors were closed we tried multiple times to get Monterey financial to cancel but keep telling me to get a letter from a company that left for good we did write letters and it was returned we told Monterey all this and there are still threating us to pay for this scam that they refuse to cancel

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Halsted Financial Services, LLC.
State: CA
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 a XXXX and Have told this company HFS at XXXX to not call me till after XXXX if they have business with me or my wife they keep calling with or about some debt from several years ago i dont even remember XX/XX/XXXX my dad passed away and i not only have this XXXX but now XXXX and take meds, sleeping is hard and when i get sleep i dont need this company HFS waking me Please get them to stop Thank you

Company response to consumer: Closed with explanation