BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Bank of america account no XXXX the monthly payment is automatically deducted on the XXXX of each month of {$3800.00} which includes Principal, interest and escrow. 

On XX/XX/2020 I made an extra payment of {$10000.00} towards principal. ( See attached file ) On XX/XX/2020 I made an additional payment of {$5000.00} towards principal in addition to the monthly payment of {$3800.00}. ( Total payment was {$8800.00} ) ( See attached file ) However, bank of america assigned the {$10000.00} towards escrow. They show that I made principal payment of {$12000.00} during XXXX ( See attached file ) whereas I had made much more than that. 

I called them three times. I waited 2 hours each time to talk to a representative but nothing was done. I then wrote a letter of errors and sent it by certified return receipt and finally an agent called me back. But they have not given my money towards principal still. It has been more than 4 weeks since my first payment of {$10000.00} and they continue to defraud me of my hard earned money by applying it to escrow rather than principal reduction. 

I would like you to intervene and press upon Bank of America to stop defrauding people hard earned money that they want to use for payment of principal and stop keeping money that is not theirs to themselves. 


Thanks 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 2019-09-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX DOB XXXX SS XXXX I am having issuess with my file as I was a victim of fraud MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some addresses on my file that DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2018-04-25
Company: NCP Finance
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I received a call from XXXX at XXXX XXXX. After she verified who I was, she attempted to collect a debt. I explained that I don't want anymore calls and wanted the debt validated - she refused and said that she didn't have to do that and that I needed to pay the debt. There was yelling on both parts and she disconnected the call. I called back and got her again, explaining that I wanted the debt validated and again she refused, so I disconnected the call. I called back a 3rd time and got the general voicemail box stating that I wanted no more phone calls from them at all and for them to validate the debt and that I was issuing a complaint with the CFPB. On XX/XX/XXXX, I went on their website and stated that I wanted a cease and desist and to have the debt validated. On XX/XX/XXXX, at XXXX, I received a voicemail message from XXXX asking that I return their call. 

This is in direct violation of FDCPA. I told her on a recorded line that wanted the debt validated and she refused, I left a message on their general voicemail that I want no more calls and on their website and yet they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX XXXX. : XXXX I have requested for XXXX XXXX XXXX to process a refund " claim ''. All the information has been provided by email from " email address : XXXX '' to " email address : XXXX ''. XXXX XXXX : {$68.00} XXXX XXXX : **** **** **** XXXX XXXX XXXX : XX/XX/21 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 2018-02-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 3 inquires on my report inwhich I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRUIST FINANCIAL CORPORATION
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:
Hi, LightStream does not appear to have appropriate procedures in place that provide updated balance information to credit agencies in a timely manner. I spoke to the them in early XXXX to request that they update my balance information which had last been updated in mid-XXXX. They described very vaguely that information is updated around the second week of every month. I said well clearly mine was missed for XXXX then from your process and please can you look into this. The conversation went nowhere. I'd say this conversation was around XX/XX/XXXX ( I could find exact date if needed ). I also informed that and they had in their files a $ XXXX payment I had made on XX/XX/XXXX ( leaving a very minimal balance of $ XXXX that I later paid off on XX/XX/XXXX. At some point in later XXXX my credit reports were updated with balance information as of XX/XX/XXXX. This is both inconsistent with what they described and appears very odd that they would report that balance ( just prior to the XXXX payment they confirmed they received ). Almost as if was done out of spite. I took no further action and waited for them to report updated balance 1 month later that account is paid in full. Nothing has been updated again on my credit report. I have reached out to them again. Every other lender / credit card company / etc appears to report consistently on a monthly basis. I do not know all the regulatory requirements, but LightStream is clearly putting people, such as myself, in difficult situations when they fail to timely report information to credit agency. I am in the process of acquiring a new home. I'm sure I'm not the only one that is being impact by this. They are not receptive to my feedback.

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 2019-10-22
Company: AES/PHEAA
State: FL
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:
This is my 3rd CFPB complaint. FedLoan Servicing continues to fail to properly account for my PSLF qualifying payments. I have sent countless requests since XXXX to have my loans manually counted, but I have yet to receive an accounting that makes logical sense. I make one payment every month that is supposed to be applied to the minimum balance on all my loans. If my payments were being applied consistently every month, all of my loans disbursed on XX/XX/XXXX would have the same number of qualifying payments ... but, they DO NOT! My most recent recount as reflected in the XX/XX/XXXX correspondence FedLoan sent me shows some XX/XX/XXXX loans having 62 payments, while some have 63 payments. In addition, loans that were disbursed just 2 months after the XX/XX/XXXX loans, on XX/XX/XXXX, have a 7 month discrepancy in payments between them. Furthermore, two loans disbursed on XX/XX/XXXX have different qualifying payment amounts as well. 

Based on my phone conversation with reps XXXX and XXXX on XX/XX/XXXX, I have been making qualifying payments on all my loans since XX/XX/XXXX. Total months from XXXX = 78 months. I had 3 late payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which did not qualify, XXXX = XXXX. I also have 8 months of forbearance/deferment, XXXX, XXXX and XXXX. XXXX XXXX. Based upon my calculations, my qualifying payments should reflect as follows : Loans disbursed XX/XX/XXXX = XXXX qualifying payments " QP '', Loans disbursed XX/XX/XXXX = XXXX QP, Loans disbursed XX/XX/XXXX = XXXX QP, Loans disbursed XX/XX/XXXX = XXXX QP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are accounts on my report that aren't mine that need to be deleted.

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 2019-09-17
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine I never had any of this dates of service I've already try to talk to someone to get this resolve to no avail

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 2018-06-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Chase Bank WILL NOT REVEAL WHY they do NOT give auto loans ( or refinancing of auto loans! ) for vehicles that have OVER 75,000 miles. The " Auto Finance Department '' referred me to the Chase " Executive Office '' on this issue. The " Chase Executive Office '' referred me BACK TO THE AUTO FINANCE DEPARTMENT! 

I demand to know WHY this XXXX miles on a used vehicle is a " disqualifying criteria '' for an auto loan, and WHO AT CHASE made this arbitrary decision! 

I will NOT ACCEPT the " runaround '' on this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX called my job on XX/XX/2022 at XXXX XXXX. XXXX XXXX XXXX XXXX was told not to contact or call my job anymore. XXXX XXXX did not listen to my request to do not call my place of employment and they proceeded to call again on XX/XX/2022 at XXXX XXXX This is a violation according to15 USC 1692c : Also, XXXX XXXX has sued me and taken me to court and the judge dismissed the case due to XXXX not proving that I owed the debt and they did not show up.

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 2019-09-17
Company: Experian Information Solutions Inc.
State: TX
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:
There are accounts on my report that aren't mine that need to be deleted.

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 2020-08-19
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2020 i logged into my experian account to notice they have changed how they give out a score. It is now a FICO 8 score and you must pay to see that score. or one is unavailable. This is a major problem as they are reporting to companies that there is no score yet there was. This is a pay for credit program and needs to be regulated especially in the times we are in. This is also in violation of regulation for being able to obtain your free credit credit score from this company when they release it to the lenders you apply with. Adding a pay wall to see a score that they are releasing to lenders is shameful and unethical, not to mention Illegal. 

In the documents you will see how they do not show you your score and direct you to that pay wall to see your score. Also a paywall to get the score added if you " dont qualify for a FICO 8 Score ''

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 2018-12-28
Company: Aldous & Associates, PLLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a member of XXXX XXXX XXXX, TN for about 3-4 months. I paid through direct deposit and cancelled XX/XX/18 and even went up there in person and they told me I was cancelled and that I had no debt, but I have no proof they said that. They sent me a letter ( which I still have ) on XX/XX/18 telling me I owed them {$16.00} and that my cancellation date was, in fact, on XX/XX/18. I called them a few days after and they said they would delete the debt and that everything was fine. On XX/XX/18, I received mail from Aldous and Associates Law firm ( which is partnered with XXXX ) that they are a debt collector and that I owe them {$65.00}, but I didn't see the mail until XX/XX/18, because they didn't send it to my current address, because I am living on-campus. I called them on XX/XX/18 to tell them I wanted to dispute and they told me that they couldn't help me and to send them a written notification and that if I didn't have any proof, I would be out of luck, which is when I went searching for my original letter from XXXX. I am sending my dispute hopefully tomorrow with a copy of the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I tried to open an a XXXX XXXX account on approximetly XX/XX/XXXX and they ran my credit through equifax. On that same date I pulled my own equifax account. The score I pulled on my own account was XXXX but the score given to me by XXXX XXXX was XXXX. They also said i have delinquent accounts but my report from equifax says I have none. I called equifax and they tried to charge me 8 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I made an on-line mortgage payment to XXXX XXXX XXXXXXXX and they did not send confirmation that I made the payment and refuse to send me confirmation about the payment I made, although they agree I made the payment. I want written proof I made the payment and they refuse to give me that proof

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Paypal Holdings, Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Near the end of XX/XX/XXXX, my credit card information was stolen and I had numerous unauthorized charges on my credit card. 

{$470.00} Extended Stay # XXXX in XXXX, XXXX on XX/XX/XXXX {$130.00} Shipt* Order on XX/XX/XXXX {$25.00} Starbucks in XXXX   XX/XX/XXXX XXXX {$60.00} XXXX XXXX XXXX   XX/XX/XXXX XXXX {$180.00} Paypal XXXX XXXX XX/XX/XXXX XXXX {$58.00} YPS* XXXX XXXX   XX/XX/XXXX XXXX {$610.00} Financial Stepping Stone XX/XX/XXXX I live north of XXXXXXXX XXXX, and my credit card was still in possession at the time. I don't use the credit card everyday, and was not aware of all of these unauthorized charges until XXXX days later, when XXXX finally alerted me to possible fraud activity on my account. I checked, and then immediately called XXXX to notify them that the charges were unauthorized. They shut the credit card down, conducted their investigation, and determined I was not liable for these unauthorized charges. 

However, what I was not aware of was that my credit card had been used to also open a Paypal account under my nickname ( not my legal name ). I found out 3 months later when I received a bill for {$25.00} from XXXX XXXX, a collections agency for Paypal. I was confused, so I called Paypal and that's when I found out that there was a second account that had been opened. I have my own Paypal account that I use regularly and keep up-to-date for payments. 

I told Paypal that I had been a victim of identity theft, and they confirmed that the credit card that had been shut down by XXXX was the one used to fund this additional unauthorized Paypal account. The customer service person told me to just wait and they would have to do their investigation. I didn't hear back at all from them, so about a month later I called back and found out that Paypal 's investigation has decided that this was not a case of identity theft. They have not divulged any information about the charges, and have only told me that there is a negative balance of {$25.00} on this account. The email associated with the account is not mine, and all I know is that the balance went negative XX/XX/XXXX, maybe as a result from some of the charges that were reversed on my credit card. 

I have spent over 9 hours on the phone with Paypal, XXXX, and my credit card trying to resolve this. Paypal has proven to be extremely uncooperative, and very accusing. I have been transferred from department to department during my calls for no reason, and have even been prematurely hung up on after having been on hold for over an hour. They have provided me with no proof that I opened the account, and yet have concluded that this isn't identity theft when the credit card used to fund the account was shut down for identity theft. 

I have also filed a complaint with Internet Crime Complaint Center about these charges and the Paypal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
RE : Civil No. XXXX ( 3 ). XXXX XXXX vs. XXXX XXXX RE : XXXX XXXX XXXX, DEBTOR CASE NO. XXXX COMPLAINT AGAINST XXXX XXXX./PENNYMAC LOAN SERVICING, LLC FOR VIOLATION OF AUTOMATIC STAY UNDER 11 U.S.C 362 ( j ) To : CFPB, FEDERAL TRADE COMMISSION , SECOND CIRCUIT COURT , COURT OF APPEALS , UNITED STATES BANKRUPTCY COURT , CENTRAL DISTRICT OF CALIFORNIA AND DEPARTMENT OF JUSTICE 1.XXXX XXXX./OR PENNYMAC LOAN SERVICING , LLC DID NOT MAKE ANY ATTEMPT TO STOP THE FORECLOSURE ACTION IN THE SECOND CIRCUIT COURT, STATE OF HAWAII Civil No. XXXX ( 3 ). XXXX XXXX ALSO DID NOT RESOLVED THE ISSUE OF THE COMMISSIONER, XXXX XXXX XXXX XXXX STOP HIM FROM COLLECTING RENT AT XXXX XXXX XXXX , XXXX , HI XXXX. 

2.DEBTOR RENTED COUPLE OF ROOM TO SUPPORT HIS MORTGAGE TO PENNYMAC AND PENNYMAC ACCEPTING PAYMENT MORTGAGE UNDER DEBTOR BANKRUPTCY PLAN, SINCEXX/XX/XXXX 

3.AS DEBTOR XXXX XXXX PAYING PENYMAC MORTGAGE, COMMISSIONER XXXX XXXX XXXX COLLECTING RENTAL INCOME OF THE DEBTOR, ONXX/XX/XXXXIN BEHALF OF XXXX XXXX OR PENNYMAC LOAN SERVICING, LLC, WHICH VIOLATES XXXX XXXX XXXXS AUTOMATIC STAY UNDER 11 U.S.C 362 ( j ) WITHOUT RESPECT TO DEBTOR OR FEDERAL BANKRUPTCY COURT.

4.ALL THE PROOF AND RECEIPT WILL BE SUBMITTED, AND DEBTOR IS GOING TO FILE CLASS ACTION AGAINST XXXX XXXX OR PENNYMAC LOAN SERVICING, LLC IF THIS ISSUE OF FORECLOSURE IS NOT GOING TO BE RESOLVED. 

5. XXXX XXXX OR PENNYMAC LOAN SERVICING, HAS THE RIGHT TO STOP THE FORECLOSURE ACTION THE SECOND CIRCUIT COURT STATE OF HAWAII TO AVOID LEGAL ACTION AND TO CEASE XXXX XXXX XXXX FROM COLLECTING INCOME RENTAL OF DEBTOR. 

6. XXXX XXXX XXXX, COMMISSIONER IS COLLECTING IN BEHALF OF XXXX XXXX OR PENNYMAC LOAN SERVICING, LLC WHILE DEBTOR XXXX XXXX IS IN BANKRUPTCY Case No. XXXX FILED ON XX/XX/XXXXAND DEBTOR 'S AUTOMATIC STAY WAS STILL IN EFFECT ON MONTH OF XXXX. THIS CASE IS DAMAGING DEBTOR 'S FINANCIAL AND HEALTH ISSUES. 

Attached is Exhibit A, the proof of collection of Commissioner, XXXX XXXX, in behalf of XXXX, XXXX/Pennymac Mortgage Servicing, LLC XXXX UNDER PENALTY OF PERJURY DEBTOR XXXX XXXX IS TRUE AND CORRECT TO THE BEST OF MY KNOWLEDGE. 


Sincerely Yours, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX XXXX. XXXX XXXX XXXX, HI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: DISCOVER BANK
State: TX
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 have disputed an Discover Card account # XXXX. This account was a fraudulent account due to identity theft. I have file a police report and have mail it certified mail to Discover. I have also called multiple times about this fraudulent account. They have remove the account initially, but now the account has later been reported back on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Exeter Finance Corp.
State: NY
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 do not drive. 
Own a car. 
I have an identical twin sister, who purchased a car. The following companies have performed hard inquires on my credit report. Our social security number is very similar. However XXXX continues fail with resolution. When I contact these company they claim they do not have record of my account. And can not do anything further and its XXXX fault.

Company response to consumer: Closed with explanation