BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-16
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The bank became what she thought was her answer that bank and loan companies are now not around so she took the reverse morg. it was either that or lose the house I do not feel that was fair. Now the government owns my home and XXXX XXXX Florida just put in city water when we all had great working wells and is charging each home owner XXXX XXXX to pay for it I am XXXX there are so many people leaving cause they can not afford it and when my daughter when to the meeting she was removed twice for talking about how unfair this was ... the city is now putting in a giant pool which they toss out that the idea over money now all the sudden its being put in the city water was voted in the summer when winter residents were not here to have a input we pay XXXX to get over our bridge and yet our gov. took XXXX of XXXX money to pay off a civil suit he lost ... that would put alot of water in is there anything I can do

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: BB&T CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing because I agreed to allow XXXX be my home insurance provider in XXXX XXXX at a set quote of total around {$1300.00} for XXXX XXXX XXXX. In XXXX XXXX, XXXX hired a XXXX party to do an " inspection '' or " to access '' my house. The XXXX party did not do a good job and misled XXXX on my insurance policy. XXXX then increased my policy to more than XXXX of what it was, without due process not notifying me. This has caused for my insurance company to add an additional {$200.00} per month to my mortgage per month, for the period of XXXX XXXX XXXX XXXX. I am about to go into foreclosure because of this. I have contacted XXXX since I received the XXXX party evaluation and they refuse to correct this. The evaluation stated that I have XXXX garages and XXXX doors and other mistakes which led XXXX to believe that they should XXXX the policy. However, the evaluation also included pictures of my house which proved otherwise. I have contacted XXXX and they are telling me that based upon the sq footage that they received from the XXXX party that my policy was wrong, but I was not told of this from XXXX until XXXX XXXX. I need a refund of the " new amount ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
on XXXX/XXXX/XXXX my mortgage company received my XXXX/XXXX/XXXX mortgage payment. They reversed the payment and applied to the principal because as they explained I could not be ahead due to my bankruptcy. They never notified me of their actions. I continued to pay every month. At the end of XXXX when my bankruptcy was over I get this call asking for the XXXX XXXX payment which I had just paid. As we argued the gentleman stated I had bounced my payment for XXXX/XXXX/XXXX. After investigating the matter they found they had not serviced the account correctly however they refused to correct their error. I was not ahead I was on time. I have been charged late fees which they collected from the extra amount I was sending to apply to the principal. Instead of reversing the payment that they applied incorrectly and making current, they now are offering to accept a short sale or I can sign my house to them in lieu of foreclosure. The bank in question is Select Portfolio.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: MNE Services, Inc
State: FL
Product: Payday loan
Issue: Can't contact lender

Complaint:
Call cell phone several times with threats I will be arrested if I do n't call this number to speak with attorney general to stop the process. We have your social security number and they also send these threats on my XXXX XXXX School XXXX e-mail. I have legal insurance and spoke to a lawyer who gave me the web site to make a complaint because this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
American Education Services refused to defer my loans while attending XXXX school. This led to them turning XXXX of XXXX loans over to a collections agency resulting in a default status. I have had to continue making payments on the XXXX, which are not defaulted, while attending school.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

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 2016-02-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I had a money market account with HSBC.. I closed it on XXXX/XXXX/2016. I only received interest through XXXX. I was owed 9 days interest totalling about {$11.00}, which I know is a very small amount. I still have a checking account & credit card ( both mostly inactive ) at that bank. They could easily credit the interest to those accounts but wo n't. Their customer service department is a nightmare. After marathon waits on hold enduring music which seems designed to be annoying, you speak to a series of exquisitely polite human automatons who keep connecting you to someone else until eventually you either get disconnected or speak to a supervisor who tells you to call back later or says someone will call you back ( they never do ). I 'm tempted to just let them keep the {$11.00} but I do n't want to let them get away with it & I can not handle another session w/the customer service dept. Please make them pay me the interest which they do n't even dispute they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by XXXX ( XXXX ) that I was delinquent on some payments. I contacted and paid them what they requested. There was an issue with some paperwork or processing and they sent it to collections Transworld Systems Inc. ( TSI ). When TSI notified me that they now held my account I called XXXX to verify. They apologized and said they would take care of it and that my account with them would still be active. To avoid any further problems I paid my account balance off with them. ( {$5000.00} ). I have the email chain from XXXX, have received confirmation that I am in good standing with them. Fast forward three weeks following payment I get a bill from TSI for XXXX. There is a disconnect somewhere, however not between TSI and my credit report. I 've sent them all documents they have asked and they still will not remove me from there collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
MY IDENTITY WAS STOLEN SO A FRAUD ALERT WAS PLACED ON MY CREDIT. I AM NO LONGER ABLE TO OBTAIN A CREDIT BECAUSE THE TELEPHONE NUMBER ON THE ALERT FILE IS WRONG SO THE CREDITORS ARE UNABLE TO CONTACT ME TO VERIFY MY IDENTITY. I HAVE TRIED TO CORRECT THE WRONG INFORMATION BUT WAS UNSUCCESSFUL.

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 2015-08-28
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already paid this debit prior with another credit agency, But now the debt has changed names and been sent to someone else to deal with even though it was already paid. I sent letter by certified mail to collector back on XXXX/XXXX/2015 asking for validation of proof that I owe debt from previous credit agency which was signed and received on their end on XXXX/XXXX/2015 and informed them of the FDCPA and that they are given 30 days to get this information out to me or else they would need to stop any debt collection from me. Now we sit at XXXX/XXXX/2015 and no information as of yet. I contact the collector and was informed that on XXXX/XXXX/2015 they mailed out information claiming validation of my debt and that the process took longer than 30 days to collect and that I should receive it in the mail in a few days. In the meantime the collector is filing default on me regarding this debt stating that I owe it which I do not and with that certified letter I sent was all the proof they needed to see that it has been paid for but regardless they want to still pursue to collect. They have violated the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Client Services, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have called multiple times, but they have never spoken to me or left a message. When I pick up they hang up. Upon looking up the phone number it comes up as Client Services, which is a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Sirs, I recently tried 2 make a cash deposit 2 my XXXX mother 's acctXXXXChase.She recently reopened her acct there & cash gets immediate credit.The teller refused my deposit.I explained my mother was ill & needed the funds & that I make regular cash deposits twice/mo 4 her maintenance.They still refused cash & offered no resolution other than 2 say I could either B on the acct or bring a check.Requiring I B on my mother 's acct. is an invasion of her privacy & a violation of her 4th Amend. rights via Chase 's commitment to the government. It is also discrimination against the poor and the elderly. I asked why Chase imposed this policy & was told it was due 2 money laundering. Implying that the average customer is suspected by Chase of criminal activity.I 'm a retired banker & know the regs. Currency Transaction Report ( CTR ) information is for $ XXXX & I was depositing $ XXXX.I asked 2 speak 2 the branch mgr & the lead teller lied 2 me stating she was the mgr.So, I went back 2 my credit union a 2nd time 4 an official check.My credit union provided me w/a business card asking that the Chase representative phone 2 verify funds so my elderly mother could receive immediate credit.A XXXX Chase branch refused to verify funds & put a hold on {$50.00} of the $ XXXX.His explanation was Chase 's commitment 2 the government.What about the Chase commitment 2 its customer base ; taxpayers who bailed Chase out & customers Chase still has not yet repaid? The Chase commitment 2 the government impacts millions of elderly around the country who R dependent on their adult children 2 subsidize their income.Why should those adult children also B required to invade their parent 's privacy to assist them? Additionally, Social Security has not had a cost of living increase in 3 years! My mother & XXXX other Chase customers R being adversely impacted by the unreasonable Chase policy which is NOT the regulation or law but is a result of their own lack of oversight regarding their own employees within their own company. I also live in CO ; XXXX state.If money laundering had been the case ; I can assure U the deposit would have well exceeded $ XXXX.I do n't appreciate the implication that my XXXX year old mother & I are criminals nor do I appreciate the absolute lack a good judgement & common sense in customer care.I have destroyed my Chase credit card and mailed it to CEO XXXX with this information and will be suggesting to my XXXX mother that she move her account. This is difficult because of her age and XXXX. This is not common sense banking nor good customer service NOR IS IT THE REGULATION OR LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used an XXXX in which my health insurance covered and I paid the copay right then and there and now I believe this is the XXXX company that has somehow found out about that visit and is calling/mailing me for a collection of medical debt I never owed.I 've checked online with my insurance company and I do not owe any debt for it. Nor do I see any of this " debt '' on my credit report. I 'm not a person that typically likes to owe money to anything so it 's very weird that I keep getting these past due balance letters and calls. So I can only assume this is a very realistic scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loans are with Navient. They are a fixed amount for 25 years. I have been paying through autopay and have never missed a payment or been late for 8 years. I just received an email stating my loan was reviewed and the loan was " underdisclosed ''. They told me my payments would increase so that the loan would be paid off on time. We have a signed contract with fixed payment amounts and I do not believe they can legally increase my payments. Of course if I do not pay the increase I will be deliquent. Talking to them has been very vague and incredibly not helpful. If this is even true, it is not my problem that it was miscalculated. We have a contract. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
Previously, I submitted a complaint about my American Express card. My money was lost in a balance transfer, XXXX XXXX, 2016. Please refer to CFPB Case number : XXXX. American Express has had time to research the issue, but no one has phoned, written, or otherwise informed me of any updates on my situation. 

In short, I requested a balance transfer from my AMEX card to a XXXX XXXX credit card. The money never showed up in my XXXX XXXX account and I was given the run around each time I called and spoke with AMEX representatives. The company responded to my complaint by saying they needed 45 days to trace the funds. Why has n't anyone been in touch with me? 

Electronic funds do n't get lost. American Express is responsible for sending funds to a bank that claims that they do n't accept electronic balance transfers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Midland collections is collecting a debt of mine from XXXX XXXX. The date of activity is long after I stopped using this account. I may be the victim of identity theft for a portion of this balance. I asked Midland to provide a list of charges on the account. The individual replied : " We do n't have to do that. We only have to give you the application which I will request. '' The Fair Credit Reporting Act provides that a consumer may request a detail of charges on an account that may be a result of identity theft. And that the creditor MUST provide that detail in no more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX/XX/XX/XXXX, I refinanced my Wells Fargo mortgage to a fixed rate of 4.125 % that matures in XX/XX/XXXX and has no prepayment penalties. Since, XX/XX/XXXX this newest misapplication of my mortgage payments issue has existed. The bank has attempted to falsely foreclose on my home. By Wells Fargo falsely CLAIMING : ( 1 ) past due mortgage payments up to 2-5 months ; ( 2 ) demanding the refinancing of my 15-year mortgage to one of their 20, 30, or 40 year to pay for two months ; ( 3 ) two years of past due and late mortgage payments to the credit bureaus ( e.g. XX/XX/XXXX reported serious delinquency of 11 months ) ; ( 4 ) loan falsely placed into the foreclosure department ; ( 5 ) often forced to make 2-3 months of payments within 30-days to avoid immediate foreclosure ; ( 6 ) advance annual early escrow prepayments or buydowns of upwards of {$2000.00} ( above mortgage payments ) ignored ; ( 7 ) mortgage payments often misplaced into principal, escrow, etc. ; ( 8 ) numerous late payments created by reversing, hiding, or splitting my advance mortgage payments ; XXXX 9 XXXX their information correct despite two-years of communications ( e.g. letters, cancel checks, phone calls, faxes ) ; ( 10 ) refusal to mail me monthly mortgage statements ; ( 11 ) consistently wrong balances due shown on mortgage statements, bank letters ( because statements not mailed ), or sending multiple monthly statements in a month ; ( 12 ) that my account was being handled by the bank president 's department ( but unsuccessful ) ; and more! On XX/XX/XXXX, I received their ( XX/XX/XXXX ) letter that read : " Wells Fargo Home Mortgage is pleased that you were able to successfully overcome the challenges you faced when your mortgage loan was previously in a default status. '' Two check payments on XX/XX/XXXX ( # XXXX ) and on XX/XX/XXXX ( # XXXX ) each for {$1200.00}. Regardless, the XX/XX/XXXX bank statement requested a total of {$2600.00} ( with {$240.00} in unpaid fees ), plus an extra {$41.00} late fees. The first XX/XX/XXXX statement requested a total of {$2600.00} ( with {$240.00} in unpaid fees ), plus an extra {$41.00} late fees. The second mortgage statement, dated XX/XX/XXXX ( with {$280.00} in unpaid fees ), plus an extra {$41.00} in late fees. These two-years of injustices will marks its three-year anniversary in just couple months. Yet, it is still not settled. I have extensive documentation to support this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Midland Credit Management Inc FAX # ( XXXX ) XXXX XXXX : account # XXXX OR XXXX Attention to DISPUTE DEPARTMENT Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account Midland Credit Management Inc that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX D.O.B : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SS # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed an account reported 30 day late on my credit report they have not updated it, both XXXX and XXXX have already done so. COMENITY BANK/VCTRSS reporting 30 day late for the XX/XX/XXXX i have attached the letter from XXXX which i have uploaded to all XXXX credit bureaus including equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX charged us incorrectly for our XXXX visits. We had explained prior about this issue and they did not want to work with us. They forwarded the debt to XXXX and XXXX demanded {$600.00} per month which would have made us homeless and starving. I also explained to XXXX the problem and were unwilling to work with us, called several times a day, even 2 to 3 times in one hour. They forwarded our debt to an attorney ( XXXX ), was told they figured a deal, was only made aware of XXXX account and was supposed to be paid off XXXX XXXX, was told the accounts just showed up out of no where. XXXX XXXX was supposed to charge the VA medical center in XXXX for my XXXX visit. I am a XXXX vet. They also put my daughter as my husbands spouse with the wrong birthdate. Husband and daughter were charged for procedures not done.

Company response to consumer: Closed with explanation