BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX based assistant Vice President for BOA XXXX XXXX who initially deceived me into believing she had my best interest at heart and almost within seconds tried to seize control of my banking, his intensified here apparent retaliatory effort that no they are so in non-compliance with CPF. As result of a credit not being issued for a claim again XXXX XXXX on XX/XX/XXXX they are now not only over drawing my account they are attempting to charge me fees. Again, had the credited the claim as required, there would be sufficient money to pay my debts and them some However, in as a BOA SVP has a state in profit sharing it is no surprise they are joining together retaliate by now taking my money And the CFPB stands by and does thing my XXXX XXXX continue to oversee BOES incredible non-compliance Thanks 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 monetary relief
Consumer complaint received 2017-10-26
Company: Navient Solutions, LLC.
State: KS
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:
The information on this website is misleading. 
https : //www.navient.com/loan-customers/interest-and-taxes/how-to-calculate-your-interest/ # Your current principal balance The number of days since your last payment Interest rate factor = interest rate 365.25 ( number of days in a year ) = Your daily interest rate It should read ( Interest rate / 365.25 ) x current principal balance = your daily interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Williams & Fudge, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2022 I sent validation letter requesting documents that debt was owed to the company on my credit report. The company responded with a letter stating i owed a different company other than them. The company also reported an different amount thats on my credit report thats in the letter theyve responded with. They didnt send any original documents/contracts with my signature, they sent copies from a bill statement with inconsistencies of the amount owed to an other company than themselves. The letter i sent XX/XX/2022, and their response is attached in this complaint along with screenshots of what amount is stated on my credit reports. I asked them to cease and desist if they couldnt provide documents and they are causing me emotional distress due to financial claims that are hindering me to progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was approved for a total rewards visa at XXXX balance in XXXX XXXX I used the card I paid off the balance in full. Today XX/XX/2017 I tried to use my card and it was declined so, I called and they said they closed my account because I had to many entries on my credit. I thought once you have a credit card and use it never been late and was previously approved your fine. But they decided to close the account so, with that I have an inquiry on my credit and no credit card. How is that fair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: American Coradius International LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hello, a few minutes ago I got a letter from " American Coradius Internacional Inc '' Where I owe them {$57.00} where the creditor is XXXX, I don't owe anyone anything I started looking for information on the Internet where they basically explain that they received this letter charging, some explain that it is due to identity theft or due to a security breach by XXXX, since in the official forum of XXXX many people received this letter in which they allege that they received this letter with an invoice, and XXXX has not done anything to solve it, There have been several times in which I receive fraudulent emails with the name and stamp of XXXX charging me in which I call and ask if I owe them something and they tell me that it is a fraudulent email and that I send the complaint to an email that they have special for that I hope I don't have to sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: National Principal Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been calling my sister repeatedly for a couple of weeks now and leaving messages stating they are trying to locate me and that I used her as a reference. They have since been calling other family members as well as my own cell phone & house phone multiple times a day. I have called them to find out who they are, but can not get anywhere because I will not provide my personal information to verify myself as I do not know why they are or what company they are representing. I understand all of this and requested that they then mail this information to the address that they have on file as I do not believe I owe anyone money and they have refused to do so stating that I have probably moved. I have not moved in over 7 years and informed them of this and yet they still refuse to do anything. So now I am at a stand still. Myself and my family are being harassed with phone calls multiple times a day and I can get nowhere with this because I will not provide my personal information to a company I know nothing about as I do not even know if this is a scam! All I am asking is for the phone calls to stop & for something to be mailed to me providing proof of whatever debt they say I owe then I will be completely willing to talk to them about it and prove my identity. They keep saying they are calling my " references '' I have never used references for anything. I have never had a car loan or any other type of loan or any other debt that would require me to have references so I find this very hard to believe as well. Not to mention my last name has not been what they are calling me for the past 5 almost 6 years and my sister was only XXXX at that time so I most definitely would not have been using her as a reference even if I had to have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021, I received a notification that a XXXX payment I made was denied and when I tried to log into the account, it was blocked. I called the bank to unblock the account and they notified me that unfortunately the bank decided to close the account due to alleged " fraud '' and told me that I had to go in person to a branch with the invoices of the transactions made to my account within a week to verify that it was not fraud. I explained in the call that at that moment I was not in the country and that it was impossible for me to go in less than a week, that if they gave me more time I would gladly go with all the proof they were asking for, but they told me no and if I did not show up, they would close my account. 

The week passed and they closed my account and notified me that they would send the check with the funds ( XXXX USD ) of the account to my registered address within 5 to 7 business days, which they never did, and every time I called they repeated the same thing and to date they have not given me anything, and they only repeat the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me. 

I disputed this in XXXX and it was removed by the credit bureaus and it is now reporting again. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 I obtain copies of my credit report. I noticed two different accounts that Portfolio Recovery Associates, LLC had one account in collections for {$1000.00} also another account for {$520.00}. I sent a certified verification letters by mail and never received any information to verify that these debts belong to me. I'm in dismay about the way this company will have me in collections that effect my credit worthiness and not verify if these debts are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allied financial keeps calling me about a neighbor of mine who I hardly know. They are now calling one of my employees several times who doesn't know him at all and asking to have me call them.

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 2020-12-21
Company: Alliance Recovery Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Contacted via VM on XX/XX/2020 by Alliance Recovery from phone number XXXX XXXX XXXX XXXX. When I called back, Mr. XXXX XXXX informed me that there was a fraud case out for me. When I started asking questions, he began growing impatient and hung up. I called back and was hung up on again. Called back a third time and was told by another associate that they have every legal right to keep calling me, despite me asking them not to, until I receive legal documentation. I then started recording a video of me calling them back, where I was cussed out and was told that they were going to use my information to try buying a new home. This is all video recorded and I can provide that information.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX  Inquiry Date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage has failed to pay my property taxes from my escrow account. The amount due is {$3700.00}. My taxes were due on XX/XX/22. Because of their failure to pay my taxes timely, the due amount is now {$4100.00}. PHH agreed to pay the penalties at {$340.00}. But the penalties continue to accrue. And I have no confidence that my taxes will ever be paid. I received a delinquent tax notice from XXXX XXXX in XXXX. I immediately reached out to PHH for resolution. But PHH continues to stall me with excuse after excuse for why they haven't paid my taxes. First they told me they escalated with the Tax Department for researching. This took weeks. I continued to call and email. Next I hear XXXX XXXX is verifying due tax amount w/ XXXX XXXX XXXX I wait weeks. Then I hear my case has been escalated w/ the legal department. I ask why my case has been referred to the legal department. They can't tell me why. They don't really tell me anything except that my case is being " escalated '' and " researched ''. After reading the overwhelmingly abysmal reviews about this loan servicing center where many complaints are similar to, I am truly disheartened and afraid that my taxes will never be paid. In researching this company, I learned that 30+ Attorneys General filed a class-action suit against PHH for shady financial dealings and for a pay-to-pay scheme ( customers forced to pay a service fee for making payments online ). I received a notice from PHH advising that if I don't switch to auto-pay, I will be billed for making payments online. I understand that PHH has acted in violation of RESPA. I am desperate to get my taxes paid. I can't afford to make this kind of payment out-of-pocket. They continue to hold my monies hostage in my escrow account. They called me tonight to tell me that that they called XXXX XXXX but couldn't get through to them. I have called my tax department many times to discuss my case and have never had a problem with getting through. Please help me CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to have Freedom Mortgage cancel my PMI per mortgage disclosure document language. I tried multiple times over the phone but the operators ( who read off from a computer ) kept telling me that that I have not reached 78 % loan-to-value. I said the calculations should be from the original sales price ( mortgage language ) and they told me its the balance ( loan amount ) at the time of the refinancing with them. They told me to email in writing to their customer service. 

On XXXX XXXX, XXXX, I sent my first email saying that my mortgage disclosure document states when the loan-to-value of mortgage reaches 78 % of the initial sales price or appraised value, whichever is lower, and paid for at least 5 years, the monthly insurance premium will be eliminated. I had been paying the premium for 8 years since the original loan of XXXX. The appraisal of XXXX was the same as the sales price. When the mortgage was refinanced with Freedom in XXXX, there was no appraisal done during their streamlined refinancing promotion. 

On XXXX XXXX, Freedom sent me a generic response without answering my specific letter, saying that FHA will determine when a borrower has reached 78 % loan-to-value ratio. 
On XXXX XXXX, XXXX, after receiving the generic response letter from Freedom, I sent a second email including language as well as attaching Title 12 U.S. Code 4901 ( 12 ) which came about after PMI Cancellation Act of 1999. It states : " The term original value, with respect to residential mortgage transaction, means the lesser of the sales price of the property securing the mortgage, as reflected in the contract, or appraised value at the time at which the subject residential mortgage transaction was consummated. In the case of a residential mortgage transaction for refinancing the principal residence of the mortgagor, such term means only the appraised value relied by the mortgagee to approve the refinance transaction. '' On XXXX XXXX, XXXX, Freedom mortgage sent me the same generic response letter.

I believe I have met the intent of U.S. Code 4901 ( 12 ) as well as the mortgage disclosure langauge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Experian Information Solutions Inc.
State: MO
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:
I disputed the Bankruptcy an it came back verified by XXXX XXXX, I called XXXX XXXX and they stated the bankruptcy info was verified by the courts. I wrote a letter to the courts and and email to XXXX asked how do they verify with the credit reporting agencies and the court replied with a letter that they dnt verify with no credit reporting agency and pacer replied by email they dnt either. I wrote a letter to XXXX XXXX and attached the letters from bankruptcy court and XXXX and the bankruptcy was removed from my files I have attached they documents confirming this, I sent this info to the credit bureau and they refused to remove the bankruptcy from my credit files. They are in violation of the FCRA

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 2019-08-07
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with NewRez for a while. They hold my current mortgage and, after negotiating, I was able to get them to agree to be competitive with other rates I was receiving. They started talking to me about the loan and I was very happy as it was going to save me 200-250/month and add very little to the loan. Eventually they were sending me LE and they were wildly inaccurate. They told me I simply needed to sign one and that they would get the correct numbers to me later. So I did. It took about 3 weeks for them to get me correct numbers and then they asked me to re-sign the original, incorrect LE. They said it was a technical glitch on their end. 

Then they started asking me for documents. I submitted all docs onXX/XX/XXXX and, somehow, they all disappeared and I was asked to resubmit those same documents again, sometimes 3 times. 

Lately the rates have been falling and I asked my mortgage lender about what he had told me on XX/XX/XXXX that if the rates begin to fluctuate downward, then they would move the rates downward as well. I asked a friend of mine to call NewRez as a potential customer. With a worse credit score and similar loan amount, he was quoted a quarter point lower than I was. When I asked this of XXXX XXXX, I was told that I was locked in and they could do nothing, even though that is not what he said on XX/XX/XXXXto me. 

My concern is : 1 ) I am being scammed. 
2 ) They continue to lose my documents that have my personal and security information on them. I am worried that I will be a victim of identity theft. 

Overall, if this loan ever does come through then I will save 200-250/month. But  unfortunately I feel this company is scamming me by lying about the lack of floating lock and losing all of my personal documents. 

I was also told that I would not have to pay both XX/XX/XXXX and September mortgage payment as the loan would be in place. So far I have paid XX/XX/XXXX and, if things don't move quickly, will be paying XX/XX/XXXX. Unfortunately, since they continue to lose my documents, it is slowing the process. 

Finally, I was told I would not receive my leftover escrow back but that they would lower the loan with it. That is not on any documents that I ever received, even though I have asked them multiple times for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: NC
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 never gave EQUIFAX my consent nor written instructions to furnish these accounts and inquiries onto my consumer report. Thats a violation of 15 U.S. Code 1681b permissible purposes of consumer reports ( 2 ) in accordance with the written instruction of the consumer to whom it relates. Since the accounts and inquiries are deleted, a deletion is admission. EQUIFAX willfully failed to comply with the requirements imposed under 15 U.S. Code 1681n ( b ) civil liability for willful noncompliance. My consumer report was damaged and I am seeking monetary relief. The evidence as well as my invoice is attached. I expect to hear from EQUIFAX or EQUIFAX 's lawyer soon to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went online this month, XX/XX/2020, and initiated multiple online bill payments from XXXX XXXX XXXX  for Additional Principal Payments to my Carrington Mortgage Loan. Each of these payments were subsequently misapplied as regular monthly payments, despite the phrase Additional Principal Payment written in the memo section of the XXXX XXXX XXXX  bill payments. I have physical documentation of said written memo section from XXXX XXXX XXXX  for each of my additional principal payments. 

I have had multiple additional principal payments to my Carrington Mortgage Loan misapplied as regular monthly payments, and this constant, ongoing misapplication of funds has become an ongoing pattern with Carrington Mortgage Services , LLC . Calling and faxing to correct these issues each time they happens has been cost me my time, additional unnecessary interest expenses, in addition to a complete breakdown in trust in Carrington Mortgage Services, LLCs ability to reliably service my mortgage. Carrington Mortgages misapplication of funds has been an ongoing, aggravating issue that seems to have no end.

Company response to consumer: Closed with explanation