BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX there was an insurance claim due to a tornado disaster.At that time Countrywide was the Servicer and or owner of our loan.When the disaster occurred we were seeking help as we were in default of our loan .Our Policy # XXXX and the insurance claim # was XXXX Date of Loss XXXX.The net claim was {$8600.00}. 
When we received the check we were already in distress and Countrywide had requested XXXX down payment towards the repayment plan. My husband was working in XXXX XXXX and I made the decision to pay that XXXX a portion out of the claim check to Countrywide. The rest of the insurance claim I paid for the roof to be repaired .It was the best I could do with the remainder of the funds which was XXXX which covered as a patch work. The claim # was XXXX. In our research we found out that FTC the nations 's consumer protection agency reached an agreement with Countrywide Home Loan settlement charging that the company engaged in unlawful practices in servicing consumers home mortgage loans between XX/XX/XXXX and XX/XX/XXXX. We received 2 redress checks.in XX/XX/XXXX and XX/XX/XXXX, XXXX.By then we were both unemployed when fierce wind storm tore into homes and the front decking of our home collapsed XX/XX/XXXX. When we filed this claim we were denied access to the funds of that claim and accused of double dipping by Bank of America /Bank of America NA and the home has been destroyed by hidden damage as well as the huge tree that hit our home.We are still having issues with Bank of America and are actually awaiting funds from the damage caused by this tree in XX/XX/XXXX XXXX.Our home is in really bad shape and knowing that there is a XXXX insurance policy is a hard and bitter pill to swallow. There have been 7 inspectors and we are concerned about the hidden damage and the electrical outings while we wait in good faith .In GOD We TRUST 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 2019-03-13
Company: M&T BANK CORPORATION
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a condo on XX/XX/XXXX in XXXX XXXX NY with my late husband. the mortgage for {$120000.00} was done through XXXX XXXX XXXX XXXX for {$690.00} monthly. 
I have continued to pay this directly from my XXXX account monthly. 

I currently live in XXXX and received a letter dated XX/XX/XXXX ( received XX/XX/XXXX ) from M & T Bank that my mortgage was 50 days late and I owed over {$5100.00} ( this does not compute with my monthly payments of {$690.00} ) and I was risk of foreclosure. 

I called at XXXX XXXX EST on XX/XX/XXXX to discuss this issue and was told I WAS NOT AUTHORIZED ON THE ACCOUNT. the letter was addressed only to me not my late husband and the mortgage was in both name but i was repeatedly told I was not authorized. During all 3 conversations I had with M & T they stated that inorder for me to be authorized to be on my own mortgage I was required to fax my late husbands death certificate and probate documents wait 5 business days and then call back in to find out if they would then speak to me. that they would not contact me at any time to tell me they did or did not have all the information required. 
When trying to contact XXXX XXXX XXXX XXXX I found out M & T has taken over all of XXXX XXXX XXXX. my mortgage payments have been accepted each month to my XXXX XXXX account. 
I spoke to M & T 3x with the last call taking place at XXXX XXXX est ( XXXX XXXX AEST ) requesting that the supervisor XXXX XXXX to look on the XXXX County Clerk website to show that I was on the mortgage. He refused and stated even if he was to see that he was would still not be authorized to speak to me because I was not on the mortgage. At that point I stated I would be reporting M & T actions to the NYS Attorney General office referred me to the CFPB do to the level of this issue.

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 2020-02-05
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is in reference to a paid collection. In XX/XX/XXXX a collection for the amount of {$110.00} was placed on my credit report by ALDOUS, however I was not aware of this. As soon as I became aware of this the debt was paid in XX/XX/XXXX. I normally make every effort to pay my debts and fulfill my responsibilities, in this instance I was unfortunately unable to do so. 

The account is still listed in collection. As you know, an account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). 

Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. 

Based on the information provided above, this debt is no longer in collection. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

I am kindly requesting the collection consider removing this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfiolio recovery Statement to terminating investigation dated XX/XX/2019 stating they need more information,? how can they validate and report a alleged debit if they don't have information in there own statement enclosed I never received anything but this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I submitted a dispute yesterday at XXXX PST on the collection agencies website, got a call today 3 times from a bill collector who was harrassing me and said he had no data on his side showing that I disputed the validity of this medical bill ( this should have been paid by my PPO United Healthcare in subrogation ). The collector 's name was XXXX and his extension is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Intermex Wire Transfer, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/ 2020, I tried to send money using Intermex Wire Transfer dba XXXX XXXX online. I entered all the necessary information and I received an email stating the transaction was processed successfully and sent me a confirmation. It also requested for me to call XXXX to complete the transfer. When I called the XXXX, to complete the wire transfer, they said that my transaction was cancelled because unbeknownst to me, I am not allowed to send money to a corporation i.e. the XXXX  company that manages my condo in the XXXX. Since the money has been deducted from my bank account, I asked them when they will return the funds back. The answer was it will take 24 hours for it to reflect in my checking account. Unfortunately, it was not the case. I called and to follow up on XX/XX/2020 XXXX XXXX and they said I have to wait up to 5 business days. If I knew that the transaction was not going to be allowed, the system should have advised me of that. Also, if the transaction was cancelled what is the need to hold on to the funds which I desperately need to pay for my XXXX  dues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: MO
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:
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, Experian, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

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 2019-01-24
Company: Cordoza & Wexler Recovery Services
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been repeatedly contacted by agents form XXXX XXXX   XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ). They have left voicemail on my personal cellphone to confirm my whereabouts and threatened that if I do not respond, charges are going to be filed in my county of residence ( they don't name the county ). I have answered the phone several times, and a recording tells me to contact their offices. On one occasion 3 weeks ago, they called me at work and I spoke to someone who said they were collecting for a payday loan company that I paid in full, although there was a dispute on the interest -- I borrowed {$300.00} and paid back {$450.00} in 4 weeks, but the company claimed I owed {$150.00} more. Those types of loan sharking loans are not even legal in California anymore. That debt occurred approximately 8 or 9 years ago in XXXX or XXXX! In California, the statute of limitations is 4 years. Anyway, I told this to the collector, reminded him it was not legal to claim on a time barred debt and asked him to stop calling. He insisted that they were going take legal action, got very nasty and I told him to sue me and notify me of the Court date before I just hung up. Today, when I answered another call telling me to call their office, I did call, got their contact information, and advised that I was reporting them to the FTC and CFPB. unfortunately, the FTC is closed right now, but i will make a complaint as soon as they are open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: AMERICAN HONDA FINANCE CORP
State: AZ
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:
I got a lease in XXXX of 2015 with American Honda finance. I made a payment early XXXX. XXXX my payment due at the end of XXXX. My vehicle was traded out later in XXXX and paid in full by XX/XX/XXXX. But on all 3 credit bureaus it shows date of first delinquency for XX/XX/XXXX! Even if I never made a payment there wouldn't haven't been 30 days between my first payment and XX/XX/XXXX anyways for that to be my date of delinquency. I also filed bk A YEAR LATER. So now it shows included in bk, with the date of first delinquency. But since it was PAID IN FULL a year before I even filed, it should just be paid never late not included in bk.I have disputed multiple times with all 3 bureaus and they don't fix it! Finally I got fed up and called XXXX and they said they thought they fixed it already. They said they got my disputes and thought it was fixed. I asked them to send me a ledger so I can redispute with proof and they said they couldn't! They said for me to dispute again and they will fix it. But I've already done it 5 times. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I have been regularly buying cryptocurrency with my credit card on coinbase.com, and it has been labeled as a credit card transaction and going through as such. Unexpectedly and without any notice, it began showing up as a cash advance, hitting me with huge fees from my bank ( XXXX XXXX ). Coinbase sent out an email days after the change, only because there has been significant backlash. They still are not changing to have these purchases coded as regular purchases ( since cryptocurrency is considered property by the government ). Coinbase denies it is their fault and blames the bank, and XXXX XXXX blames Coinbase and refuses to refund any fees/interest/hit on my credit card score. Millions of everyday customers are getting ripped off by a change made that was unnanounced, and we have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
IN TRYING TO GIVE SUPPLEMENTAL INFORMATION OF SUPPORT TO MY CFPB COMPLAINT AGAINST EXPERIAN AND DISPUTE AGAINST CREDITOR XXXX, ACCT. NO.XXXX, EXPERIANS DOCUMENT UPLOAD SYSTEM HAS BEEN NON-FUNCTIONAL FOR DAYS ... THIS IS A SERIOUS FLAW AS EXPERIAN IS ONE OF THE BIG 3 AND HAS 500 MILLION CUSTOMERS ... THEY CAN NOT ACT LIKE A MOM AND POP BUSINESS THATS SHUTTING DOWN, HAVING COMPUTER PROBLEMS ... ITS TOO BIG A RESPONSIBILITY THE US CONGRESS IS ALLOWING THEM TO HAVE.

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 2021-04-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been charged {$280.00} in the last 12 months for capitalized interest. I have never asked for a deferment or missed a payment in the last 12 months, yet I was charged this interest anyway. My loans were put into deferrment without my permission. I continued to make full payments while my loans were put into this involuntary deferrement. 

I wrote to Navient and asked Navient to reverse the {$280.00}, but Navient refused. Instead, in the reply from Navient, it stated that they received an update from my school and automatically deferred my loans. I never asked for Navient to do this! In fact, I dropped classes multiple times over the last year and have NEVER had XXXX XXXX student status for any entire month in the last 12 months. Navient acknowledged that I dropped the classes, but refuses to adjust the fees. The fees are equal to an entire monthly payment. 

The Navient representative told me that in the future, I can request that Navient update my account status so that school deferrment is not automatically processed. Of course, there were zero instructions on how to make this request and I do not see on their website where this is possible. 

Also, now that I am attempting to pay down my loans more quickly, Navient keeps changing my loan terms. Two times in the last six months the terms of my loans have changed -- both of which have the impact of lowering the monthly payment and extending the loan term, and increasing the amount of interest that I will pay to them. In addition, I paid two times in XXXX, the first payment was for the amount due and an additional {$45.00} and then 19 days later I made another paymnet of {$2000.00}. I expected the entire {$2000.00} would go to the principal since it was an extra payment made within 20 days of the first -- but instead I was charged {$2.00} of interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX Direct Loan Subsidized Balance {$2300.00} XXXX Direct Loan Unsubsidized Balance {$6800.00} XXXX Direct Loan Subsidized Balance {$2300.00} XXXX Direct Loan Unsubsidized Balance {$6300.00} XXXX Direct Loan Subsidized Balance {$2400.00} XXXX Direct Loan Unsubsidized Balance {$4400.00} XXXX Direct Loan Unsubsidized Balance {$2500.00} XXXX Direct Loan Subsidized Balance {$1300.00} Navient is not taking full affect that i have filed a police report for identity theft due to these loan that i did not get. I don't go to school or haven't been to any college before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX  has sued me for a Bank of America credit card. I have told them that this was identity theft, and written detailed letters to them, and to the court. Since they persist, I told them of debt owed to me, in the amount of {$5000.00}, by XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX address : 1XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. After I was sued, I asked her for repayment. She came to XXXX and assaulted me, XXXX police report # XXXX. Then, she started paying me {$200.00} a month. I ask that XXXX have her pay them instead, and drop the lawsuit. If they insist on repayment of the full credit card amount, they should sue her on my behalf due to the assault. I am XXXX, and my primary source of income is Social Security XXXX payments. XXXX will not answer my calls or emails about this matter. Very strange that debt lawyers are the ones refusing calls.

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 2018-03-01
Company: Lincoln Educational Services Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing this collection account for several reasons. The original creditor was a school named Lincoln Technical Institute, which closed years ago for fraudulent accounts, predatorily financial aid tactics and student dissatisfaction. I was one of them and the school was located in XXXX XXXX, FL. I stated my concerns with the office managers XXXX XXXX and XXXX XXXX, who then dismissed me immediately from the program on XX/XX/2013. I was in between classes and financial aid was paying the tuition, so I gladly left. One month later, I received a {$1700.00} bill saying I owned them for dropping the program. They automatically put me on a {$200.00} a month repayment plan ( without my permission, no signed documents or even my knowledge ). I started getting calls and letters that this " loan '' is in default and it started reporting on all 3 credit bureaus. I have been disputing this for years now and even contacted the Florida Department of Education who stepped in and wrote Lincoln Technical letters on my behalf to drop this fraudulent charge of {$1700.00}. The school did drop the charge and THEN sold it to this debt collection agency named XXXX XXXX XXXX, who is now harassing me and reporting this " debt '' to all 3 credit bureaus. I need help with this as I am trying to buy a home and clear up my credit. These predatorily companies need to be held accountable for their fraudulent and shady money scheming tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On approximately XX/XX/XXXX at XXXX XXXX  I received a phone call from someone telling me that they were from Portfolio Recovery and that this was an attempt to collect a debt that was from XXXX. And that I owed them approx {$1400.00} ( don't remember exactly they amount stated ). I then explained that the debt they were referring to was from approximately XXXX and that I had listed this debt when I contacted XXXX XXXX XXXX XXXX and paid for the required program prior to filing bankruptcy chpt XXXX and that before I could file I became XXXX and was forced into early retirement and live on Social Security. The collector didn't seem to care and actually just began talking and trying to insist that I set up some kind of repayment plan. I hung up and then wrote the company ( Parent company XXXX XXXX ) a Certified Letter ( See Attachment ). Today XX/XX/XXXX at approximately XXXX XXXX  I received another phone call this time from a XXXX XXXX, who once again repeated basically what I described above. But this time I went off on her and she hung up. I called their number and first spoke to a XXXX and then I asked him to put a supervisor on the phone. XXXX XXXX got on the phone and he started asking me question, I interrupted him and expressed that I had sent a Certified Letter etc to his corporate office and attention XXXX XXXX the Compliance Officer. And he said he would notate the file and contact corporate to confirm what I had said. I hung up and decided to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX Date Filed XX/XX/2018 XXXX CARD Date Filed XX/XX/2018 The above mentioned inquiries are fraudulent ...

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