BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX claims they are collecting a debt and or servicing a debt for XXXX as a result of transfer from Bank of America. XXXX has not provided a servicing agreement between them and the alleged noteholder. On XXXX XXXX, XXXX, XXXX 's counsel sent an abandonment of Acceleration referencing acceleration of XXXX XXXX, XXXX that was accelerated by their predecessor. Bank of America 's acceleration is irrevocable for the following reasons : 1. Bank of America exercised the remedy to foreclose on the propoerty on XXXX XXXX, XXXX. 
2. BOA 's agent executed a foreclosure deed on XXXX. 
3. XXXX was awarded Judgment of Possession on XXXX/XXXX/XXXX. 
4. I detrimentally relied on the foreclosure sale and subsequent post-foreclosure eviction. 
5. I filed a lawsuit on XXXX XXXX, XXXX, to stop a wrongful post-foreclosure eviction that is currently pending to date against XXXX 's predecessor.

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 2018-04-09
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I've been struggling to make payments for decades, exhausted all hardships and deferments and income-based calculation that Ed Financial comes up with are way too high. Last year I was making just over $ 20/hr and my payment was $ XXXX/mo, this year I'm at $ XXXX/hr and they are quoting me over $ 300/mo. This payment suck into the monthly reserves and forces me to abandon by 401k deferment entirely. I'm XXXX-years-old, married and the father of XXXX small children. Ed Financial has been less than helpful and in most cases rude and antagonistic on the phone. Seems like they have no solutions, only. bad news and keep saying " there is nothing we can do. '' My wife and I have considered leaving the US for XXXX, turning our back on the loan to start life anew. How sad it is that a man who has spent his entire life in the service of others ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX in the XXXX and finally XXXX XXXX ) has to actually consider leaving his country of birth with his family in order to escape the burden of this debt. The fact is that - in my lifetime - I will never be able to pay off this loan. My family can't take a vacation or even dream about home ownership because carrying this loan is like a mortgage unto itself. Doubtful that anyone other than another in my situation will care to read or champion for me and my family, but here it is just the same. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS and Its investors Dear Leader, Our Mortgage is serviced on your behalf by SPS. You recently decided that not only impact us but thousands of your mortgage holders. You changed the policy of how you handle the escrow portion of our account and called added a pre pay option which caused our mortgage to jump an additional {$700.00} per month starting in XX/XX/XXXX. 

Its important that you understand that this can cause massive foreclosures as Senior Citizens such as us can not budget for this type of an increase. You must understand that the decisions you make behind closed doors do impact real people. When investors invest in homes and homeowners you have to ensure that you set us up for success. 
As I look at the investors that are listed here and own our mortgage, I must also be reminded of XXXX when Big Banks such as yourselves received a massive bailout. However, you make decisions like this to force more homes into the market by foreclose. 
We are asking that we have 36 months to pay off this escrow balance to reduce the {$700.00} extra that has been added to our mortgage payment. 
We have enclosed paperwork to show what we have received from SPS. We are willing to take what should be a private issue very public to prove what is happening behind the scenes to ordinary homeowners such as ourselves. 
You are the decision makers that can help us. Help us. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My name is XXXX XXXX XXXX. On XX/XX/XXXX my wife made a computer entry error, while making our lowes credit card payment. The payment was supppsed to be for XXXX but she made a mistake and put XXXX. We did not realize this until the morning of XX/XX/XXXX. XXXX couldn't stop it because it wasnt in pending status so we moved on to the bank for help. What a joke. My only resolution was to take all my money out of my account and let it overdraft. Now we also made to correct payments after the lowes bill one for sales in the amount of XXXX and one to XXXX  XXXX XXXX, in the amount of XXXX. Since XXXX was first it was going to hit first. So while our account is in negative we opted out for overdraft protection to try and fix this mess because that is what we were told to do by BBT. We have now accrued XXXX in fees that our bank just roughly said oh well, we don't care if you made a mistake or not. My wife and I have had to take longer lunches for this matter, call customer service on this matter and send a complaint to BBT, we haven't heard a response because their generetic turn around time is 36 hours. Very convient when we are talking about your hard earned money. I can undrrstand if we did this intentionally but we didn't it was a simple entry error. We have XXXX kids and this has put a financial burden on our finances. If we wouldnt have made this entry error we would be fine but since we did we are hurting. And you would think after banking with a bank over 16 years they would help. Poor customer service on their part. People makea mistake all the time we are human but when it comes to BBT all they want is your fees they don't care about your lively hood. We have got a reversal payment from lowes in the amount of XXXX that was delivered by fed ex today. We had XXXX from XXXX Virginia branch to fax a letter for lowes in order to get refund. We have also dealt with branch manager XXXX at XXXX vs and my wife has dealt with XXXX at XXXX Virginia branch. We deposited the XXXX check at XXXX today but they don't quickly apply that to your account they hold it til midnight. So once again we have a pending transaction trying to go through that will like I said put us at XXXX in fees. Something has to be done. This is not right for this to happen to middle class people that made a honest mistake and has done everything to try and fix this issue. My name is XXXX amd my wifes is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: COAST PROFESSIONAL INC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/XXXX Federal Income Tax Refund taken from XXXX XXXX although I am in a Loan Rehabilitation Program with XXXX. 

I received a letter today, XX/XX/XXXX, supposedly from The US Department of Treasury/US Department of Education stating my Federal Income Tax was taken for unpaid Student Loans. When I called the number listed ( XXXX ) I was redirected to Coast Professional, a fraudulent Debt Collection Agency that does not answer their phones nor do they set up repayment plans. This year they are located in New York, last year they were located in California. 

My Income Tax Refund was taken last year from a similar fraudulent agency. I reported Coast Professional last year and nothing was done to correct the problem. Months ago, I signed on with XXXX for a Student Loan Rehabilitation Program since the were able to substantiate the debt and actually answered phone calls in addition to returning phone calls. Since then my account has been deducted monthly with a payment I can actually afford. 

Imagine my dismay and disgust when I received another letter from the US Department of Treasury/US Department of Education telling me my Income Tax Refund has been taken by a company that does not answer their phones and refused to return phone calls for repayment. Except this time, the same company - '' Coast Professional '' - is not based in California as it was last year, now it is based in New York. 

After another call to " Coast Professional '' that was sent directly to voice mail, I then recalled the number listed for our fraudulent US Department of Treasury/US Department of Education. After explaining the situation to " XXXX '', I was then transferred to " Supervisor XXXX '' that was extremely rude, disrespectful and told me " Managers do not take phone calls here. '' after I told him to let me speak with his superior. 

Supervisor " XXXX '' or more rightly named " XXXX '', did not want to understand that I was already in a Loan Rehab Program with another company, that " Coast Professional '' was a fraudulent agency and that I expected better from a supposed employee of our so-called government. 

XXXX did not like it when I told him his paycheck was paid for by tax-payers. He actually stated that was not true and then disconnected the call. If these are the kind of people in charge of my personal information and are allowed to take money from me and my children, then I will never file another tax return again since obviously the government is so inept and filthy they can not help themselves and are beyond redemption. 

This year was the last chance for the US Department or Treasury and the US Department of Education. They failed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: SEACOAST BANKING CORPORATION OF FLORIDA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Was happy customer of XXXX XXXX .bank bought out XX/XX/XXXX by seacoast Bank XXXX I live in XXXX but a Us citizen. Never received debit card?, they promised XXXX XXXX to move money and close acct. Never complied. Tried to do a wire transfer to a friend in XXXX XXXX XXXX XXXX acct nada. Spoke wut various managers over this month including XXXX XXXXXXXX XXXXr manager. Communication very difficult from XXXX as no land lines. Don't even know my acct numbers! My XXXX acct XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
They are reporting a bankruptcy on my credit of XX/XX/2014 that does not belong to me and belongs to someone with a similar name as me. They are also reporting inaccurate telephone numbers and saying they verified with the person who gave them the information when the courts are the only ones who can verify this information as they have them down as the fernisher that reported the information. I have asked for documentation and names of the person who verified the information as it is the law that they provide that to me after saying they have verified the information. They are reporting a telephone number of XXXX which does not belong to the XXXX XXXX bankruptcy court and is not in service. I went to the court about the information being reported incorrectly and they informed me that this belongs to someone that lives on XXXX XXXX in XXXX mi and I have lived at my address for 14 years now. I also received a letter from them stating that they do not give information to third parties or credit bureaus and they do not update information either. I also filed a police report and I gave them both and they still are saying they have verified the information and that its mines but its not. Please help

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain errors : The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX AND XXXX XX/XX/XXXX EMPLOYER : XXXX AND XXXX XXXX XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EMPLOYER : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX EMPLOYER : XXXX XXXX  EMPLOYER : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  MD XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, MD XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my report. I understand that you are obligated to verify these items with the respective creditor. Please eliminate any information that can not be verified by the creditor. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 15 days of receiving this letter. 



Thank you for your attention and assistance in resolving this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2016-10-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
On XXXX XXXX, 2016 my request for loan forbearance from XXXX had been approved. I received an email stating that. Since that time I have still been getting charged months with interest and late fees. Navient is completely unwilling to cooperate. " Too bad '' was what I was told when I called. How unprofessional. I 've been bamboozled by a company I did not choose to do business with. They need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I sent a certified letter to Equifax on XX/XX/2018 To Equifax to send me verification ( contracts and etc. ) from the following accounts, The first time I sent a request they asked me to send a photocopy of my ID, so I did ask asked this time. Then I received a really weird email asking me to opt-in online to receive results. I didn't give out my email to them on the letter I sent. So I'm confused on their process I asked to receive my information by mail. XXXX obviously read my letter and carefully to my concerns into consideration, because I received a letter back from them with items that were removed and information that they were unable to retrieve. 
Collections : XXXX Hard Inquiries -XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX -XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX -XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX -XXXX XXXX -XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX  Equifax score dropped with no visible details of why the score dropped. I mad a complaint directly to Equifax. Representatives and Supervisor was able to give a explanation of the score dropping at XXXX points. After several complaints directly to Equifax I was not able to open up the MyEquifax.Com portal. I spoke with the technical Department. I was informed that this would be resolved in the next 24 hours. 
As of today the portal is not accessible. I believe this was done purposely sue to the unexplainable drop in my credit score of XXXX points. I also submitted court forms to move forward with a law suit due to stress damages loss of financial gain defamation of character. Recently an perfectly good account was added to my credit report. XXXX XXXX reported three years of on time rental Payments and my score only went up XXXX points. Constant harassment. discrimination

Company response to consumer: Closed with explanation