BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America places holds on checks even though weve deposited the same checks for more than two years of the same amount written by the same person. Now during the pandemic BofA decides to place nine-day holds on funds when then never did in the past. This is the second time they did this. This is the same company that received {>= $1,000,000} from the federal government during the last financial crisis. Its unconscionable to hold funds like this during a pandemic, and this is the second time theyve done this. Their answer is that theyre protecting us or the reasons they held the money are proprietary. Thats not acceptable. 

They also took excessive amounts of time to release Treasury funds for Covid relief and offered a {$200.00} credit and delayed the {$3600.00} deposited by the Treasury Department. Theyre not playing fair during a pandemic. They have now collected excessive overdraft fees for funds that they held.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have lost XXXX points within in month time. I just open another account that I had in good standard and I started losing points from there. All my accounts are in great standard! XXXXm not getting the credit I deserve. My Credit score wont go up when it should! My accounts are not reporting balance decreasing, but are reporting great standard and Im not getting any credit! All credit cards are at only 35 % use and decreasing! Im not getting the credit I deserve! Theres no way my credit score still should be at the borderline XXXX. This is fair, they want to keep at the XXXX range! Investigates my accounts, I should be close to the XXXX range, they come up with something to keep my score down!

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 2020-11-07
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I purchased a {$50.00} Visa Debit Gift card from the XXXX  store on XXXX XXXX XXXX XXXX XXXX. My intention for this purchase was to order a few items online that I could not find in a few of the stores. 
I went to XXXX XXXX  on the same day I purchased this gift card. Once I got into the store I found the items that I had wanted to purchase online as well as a few additional items. 
My total purchase came to {$100.00} and I told the cashier that I wanted to use my {$50.00} gift card to go toward the bill, this would have left me with a {$55.00} balance to pay from my checking account. 
The cashier instructed me to swipe the gift card which I did several times but the card kept being declined. I explained to the cashier that I had activated the card backing the number listed in the back of it. So the cashier attempted to type the card number into her register and again it declined. 
The line was getting longer and longer with customers. I paid the full balance of {$100.00} from my checking account. 
When I returned to my vehicle I called the number on the card and spoke with a representative and explained to her that I could not use my activated card in XXXX. 
She asked me for my account number on the card, I read it to her and she stated I see it as being activated, but the reason why the card kept declining was because your purchase was over your {$50.00} gift card amount. 
I explained to her that I thought the card would have subtracted the {$50.00} off the amount leaving me {$55.00} to pay in another fashion. 
I further expressed my concern to the representative that the little disclosure that came behind the card did not indicate that a customer could not use the card in this fashion. 
I asked to speak with a supervisor. 
A male supervisor came on the line and I explained to him what had just happened at XXXX and how embarrassing, and mislead I felt about my purchase of visa gift card, and that it would be nice if the company could add to the disclosures that you are not allowed to split payments up on purchases that are over the amount of the gift card in hand. 

I asked him if he could file a complaint on his end for me. The supervisor hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: CMRE Financial Services, Inc.
State: CA
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:
On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from CMRE Finance for an amount of {$1300.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofold-validation of debt and HIPPA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XX/XX/2020 - Navient student loan company. Their representative " spoofed '' my employer 's phone number to reach me this morning. I believed it was my employer calling me since we are working from home due to the coronavirus. When I answered, I was shocked to realize it was Navient. The rep said, " Oh we got you now! So you are *my name*! Now confirm your date of birth so we can get started! '' They have been harassing me again about my private student loan and their aggression has only increased. I can't pay it and I've run out of forbearance options and lowering the payments won't help either.My XXXX   daughter has XXXX  XXXX and requires XXXX   XXXX  to prevent XXXX. 
Before today though, it's to recollect all the days and and times that Navient has been harassing me. Early morning, XXXX XXXX  at night, even weekends, it never ends. They've even called my employer before on XX/XX/2020. When I talked to one of their reps on that day, I explained to them that calling my place of employment and jeopardizing my livelihood was no way to work with me on this situation. And this spoofing phone call this morning at XXXX XXXX. was the last straw. I've tried telling them to back off with all the phone calls. I've told them my financial circumstances have changes drastically and their repayment plans were unrealistic. I'm at the end of my ropes now. I'm reaching out in hopes that someone can somehow help me. Thank you for your time, I do appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Scammer stole my card and bank information using my voice and phone number and email to respond to charges by agreeing to them. I now have to go through bankruptcy to cover the charges on my credit card and the loss of my XXXX I had in my XXXX XXXX accounts. I also had to pay back XXXX they took from my line of credit. XXXX only gave back XXXX, XXXX XXXX rejected the payments, but Discover Card never refunded me and refused to. They stated since 'I'agreed to the charges, there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: EQUIFAX, INC.
State: NY
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 am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the past month Ive been trying to pay for my student loans and each time it says it is processed and then comes back with a reversal! It is so frustrating and Im not sure why this keeps happening and every time I call there are long wait times and it says it will call me back and when it does or when it did it I was disconnected.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My XXXX and I were in the process of applying for mortgage forbearance with Carrington Mortgage LLC. Prior to submitting the official application, I called and spoke with a customer service rep who made it very very clear that we would be approved for the XXXX month mortgage forbearance. She said things along the lines of we will have no issue being approved for the forbearance, and that just about anyone that applies is getting approved. I hope their lines are recorded because it was about a XXXX minute conversation with her guaranteeing this. We ended up being denied, even though we were being affected by covid due to the insane inflation, which has made the cost of our essentials significantly higher than they had ever been. On top of that, we had to have an entire water filtration system and waster softener installed in our home. 

At the time of the application denial, we were almost XXXX months behind on our mortgage. Instead of a XXXX month forbearance, our application was pushed through to some other solution they call a loan modification. This included XXXX paying a modified mortgage amount of {$300.00} MORE than our current mortgage we were already having a hard time paying. We had to accept this offer or pay XXXX  months worth of late mortgage payments. Now we're struggling ever more. We XXXX XXXX qualified for the mortgage forbearance because of the XXXX XXXX and the Economic Impact. To top off the additional {$300.00} extra we're having to pay on our current mortgage, they're not allowing us to pay through their website which leaves me to pay through services like XXXX, XXXX XXXX, and XXXX checks through my bank. All of the fees associated with the services just mentioned add up to another almost {$100.00}, putting us almost {$400.00} over out normal monthly payment we were already unable to make. 

When I called Carrington after receiving the forbearance decline, they did absolutely nothing about the person who gave me false hope in thinking we would get a short break from our payments. This entire situation has causing significant XXXX XXXX XXXX, even more financial hardship than we were already having, and sending my XXXX and I into a state of XXXX. Carrington made us an insane promise over the phone, let us down, are taking more money from us each month, and they seem more than happy to do it. We have a XXXX year old child we need to take care of, and we feel like we'd been robbed of our right under the XXXX XXXX and are not able to get back onto our feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I opened a conventional mortgage in XXXX on my condo which was appraised at {$84000.00}, and the initial mortgage balance was {$69000.00}. Carrington Mortgage Services LLC is my mortgage servicer. I had to pay PMI of {$10.00}. 

Since then, I have paid down a significant portion of my mortgage, and the value of the property has also risen during this time. I have also maintained current on my mortgage payments and I have not been late. I have asked the mortgage servicer why they will not remove PMI from my property, and they told me that it will be a part of my mortgage for " at least five years ''. 

I do have a second lien on my property for 5 years from the City of XXXX for a downpayment assistance program. I qualified for {$15000.00} in downpayment assistance, and with the passing of each calendar year, the lien is reduced by {$3000.00}. Next summer, in XXXX, the second lien is no longer valid. 

However, I thought that PMI would automatically fall off once the % reaches a certain threshhold, and I am sure that I am at or below that threshhold. I am attaching a current mortgage statement as well as a copy of the original appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX 2023, I received written notice that Carrington Mortgage had assumed my VA mortgage. The company did have my account on file during the first week of XXXX. Customer Service advised I need to wait until on or after XX/XX/XXXX. By XX/XX/XXXX, the company had withdrawn my full payment for the month but failed to record it appropriately. By XX/XX/XXXX, they had received that full payment as well. By XX/XX/XXXX, the company has withdrawn half of the XXXX payment. The total amount taken by the company at this point exceeds the minimum amounts due, but the company continues to show me in default status threatening collection. These practices seem unfair, misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Applied Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMPLAINT BASIS : I am having severe issues with a Collection Company that has been attempting to collect on a debt that I am NOT LEGALLY RESPONSIBLE for paying.

It may have even already been paid by the Responsible Party involved.

My Name/Credit should NOT be involved regardless.

The Collection Company involved has been repeatedly notified via multiple Credit Reporting Disputes of this situation & refuses to correct it.

Now, on a least one of my Credit Reports they have RETALIATED against me for filing a Fraud Dispute against them, by then literally DUPLICATING a Collection originally posted under a different Collection Company name ( which they may even own ) under their OWN NAME as an Additional Collection Account with literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically changing just the filing date numerals to DEFEAT the Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this duplication attempt. 
This Company believes it can violate Federal and/or State Regulations at will, & attempt to retaliate/ intimidate consumers trying to get them to comply.

Therefore, I am filing a Federal Complaint against the Company involved, to make your Agency aware of their improper, threatening tactics, in order for ALL appropriate corrective actions to be enacted against them, so that ALL consumers are protected from them. I reserve the right to also file State level action/s with the Attorney Generals Office as well. As well as Civil Damages resulting to me from these improper acts.

BACKGROUND : I suffered a XXXX  XXXX  with XXXX XXXX XXXX ( including an XXXX  ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective step, No Warning Signs, & no lighting. 
The RESTAURANT INVOLVED & THEIR INSURANCE COMPANY WERE LEGALLY RESPONSIBLE FOR PAYING ALL MY MEDICAL BILLS from this Incident as part of their Settlement to Avoid Lawsuit. 
ALL the Bills were Submitted to the Restaurant & their Insurer including the Bill/s in question. Bills were clearly paid by the Restaurant & its Insurer. Why these ones were not credited paid and attached to me as Collections at all is clearly due to IMPROPER actions by the Collectors involved. Since I am NOT LEGALLY RESPONSIBLE for any payments. 
DOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX, Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth of the Letter & Facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan servicer removed my balance and said that it was paid off on their own behalf, but months later resumed my previous balance. They posted a payment to my balance from their own business, then months later undone with no notice, email, communication. ( Was put to XXXX due to a payment, not dismissal )

Company response to consumer: Untimely response
Consumer complaint received 2021-04-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/21 I was recently denied credit and I pulled my credit report and I found out I was violated under the federal protections provided to me as a consumer under the FCRA.15 USC 1681a ( 2 ) ( B ). clearly states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report.

A social security card is a credit card defined pursuant 15 USC 1601 ( l ) under TILA which is the same as the definition as a credit card under the FCRA stating any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit.

The following extensions of credit included in the attachment letter were authorized from my social security card or my credit card and these accounts are in violation of 15 USC 1681 ( a ) ( 2 ) B ).

These accounts also are in violation of 15 USC 1681b ( 2 ) because I did not give written content to furnish these accounts and therefore these accounts do not have permissible purpose. By releasing this information they have violated my right to privacy pursuant to 15 USC 1692a and as result have caused me damages from emotional stress, additional barriers to receive funding during the pandemic, and aided in tarnishing my reputation.

I DEMAND a removal of these accounts as a federally protected consumer under the law.

This is me and not done by no one else. I have sent notarized letters to the Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 my mortgage loan is being transferred to XXXX XXXX, a XXXX XXXX of Nationstar Mortgage, from XXXX XXXX Mortgage. On XX/XX/2021 I made my first payment on this loan and also included a principal curtailment of {$96.00} resulting in a new principal balance of {$200000.00}. When I received my first statement from XXXX XXXX they showed the transfer principal balance as {$200000.00} thus ignoring my curtailment made. I have contacted both XXXX XXXXr and XXXX about this issue and still have not received a resolution to this transfer error. My next payment is due on XX/XX/XXXX and I have informed them that I will not make it unless they correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disagree with the results of your recent verification pertaining to the items reported on my credit account. I had initially lodged a dispute regarding this item, and I wish to address certain aspects of your verification process which I believe require further examination. In your response, it was mentioned that my claim is disputed, and a request for VALIDATION and PROOF OF CLAIM of the alleged debt was made in accordance with the Fair Debt Collection Practices Act, Furthermore, as a consumer invoking my specified remedy and as the original creditor, I understand that my request for VALIDATION and PROOF OF CLAIM is in accordance with applicable regulations, but I would appreciate further clarification and specific documentation in relation to these demands. Specifically, I kindly request that the certified copy of the original contract bearing my signature be provided, explicitly naming your company as an entity authorized to enforce a commercial claim against me.

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