BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On my Discover Bank savings account, on XX/XX/2019 I found a " deleted '' transaction that was depositing {$20000.00} from a XXXX XXXX account to my Discover Bank savings account. I do not have a XXXX XXXX account, so reported this to Discover Bank. 

Here is their response : " We are aware of an issue that is showing deleted transfers to or from XXXX XXXX even though you don't have a XXXX XXXX account on file. I can confirm no funds are being sent to or from XXXX XXXX as this is only a display error and we are working to resolve this issue as fast as we can. At this time we do not have any way for customers to work around this matter or an ETA on when it might be resolved but rest assured the problem will be resolved as quickly as possible. '' I am very concerned that I have such a transaction from XXXX XXXX XXXX, with whom I do not have an account, on my personal Discover Bank savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: AES/PHEAA
State: CT
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:
Last year I worked hard with a PHEAA 's Consumer Advocate Associate and a Fed Loan Services Consumer Relations Analyst to get an accurate count of my payments towards Public Service Loan Forgiveness. After some back and forth with a Dept of Education staff member they arrived at 92 qualifying payments of the 120 needed for Public Service Loan Forgiveness. I submitted the yearly employment verification form to get the next batch of payments to qualify towards the 120 needed. Fed Loan Servicing   still has not processed the form, which PHEAA Consumer Advocate Associate can see in their system, from  XX/XX/XXXX. This is my 2nd request to process this form. It is almost time to recertify for the next year 's batch of payments. 

I have read a number of articles and seen on TV a number of news clips showing PHEAA and Fed Loan Servicing are having trouble processing PSLF paperwork and I don't want to get lost in the shuffle. By my count, I should be done with paying the student loans in XX/XX/XXXX ... that will be my 120th qualifying payment. 

I have placed a request to process the XX/XX/XXXX form with XXXX XXXX @ PHEAA office of consumer advocacy. I have reached out to Senator XXXX 's office to see if they can prompt Fed Loan Servicing to process the form from XX/XX/XXXX. I plan to reach out to Fed Loan Servicing borrower 's advocate. The Dept of Education 's " Ombudsman '' office was subcontracted out to a company called XXXX, and they didn't have much power, but I will generate a service request. I plan on reaching out to XXXX XXXX XXXX, a vice president of PHEAA Loan Operations to see if he is still with PHEAA and can assign someone to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i need to see my amortization schedule. I want to see how my loan is being paid off. I have made extra payments to the principal and need to see how that has affected my loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Flagstar Bank, N.A.
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to do my best and try to work with my lender but all they do is give me the run around. I have provided documents to them on a timely manner and have resent several documents over and over again. They continue to advise that they don't have a clear image when I am looking at the document and it's a clear as can be. They now closed my review as of yesterday because of this and have to start all over again because someone in their department is just by passing my documents and not even reviewing 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 2018-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My dad is the owner of a restaurant he accepted cards. So I am the one in charge of the financial with Bank of America so I was watching the batches of friday XX/XX/XXXX of XXXX it appears the Saturday XX/XX/XXXX XXXX it appears to but the one of Sunday XX/XX/XXXX XXXX it does not appear there are some charges of the bank of XXXX and late fee XXXX. And another one so I call the bank and I told them that what happened to the of Sunday that it does not appear in my statement so they tell me that it was a charge from the bank to but my point is why it does not appear on bank statement I want to see it. It was XXXX batch of Sunday XX/XX/XXXX and even argued with them but they dont not solve nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on Thursday XX/XX/19 I submitted my pay check for {$520.00} to my bank, they put a hold on it on Friday XX/XX/19. The deposit is still on hold and I have bills to pay. When I contacted my bank to ask about the hold the basically told me to wait it out and that it will expire on XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX was paying a company to call me everyday and I was being spammed. I signed fafsa forms against my parents will and they continued to call. 

Reference Number : XXXX Total Due : {$4300.00} Settlement Offer Amount : {$2600.00} Dear Friend, XXXX XXXX, Settlement Offer XXXX XXXX University will forgive 40 % of your balance! 

Welcome to our emailing service! We received your email address from XXXX  XXXX University. The account listed above has been in a delinquent status for an extended period of time and remains unresolved. 

We have an offer to resolve your unpaid balance with XXXX XXXX University. We are willing to settle your account for 60 % of the Total Due stated above which equals {$2600.00}. 

It is understandable that you may not be able to take advantage of this opportunity at this time. We are willing to work with you on a payment plan that meets your current financial situation. You are encouraged to contact our office at the number listed below so we can assist in putting this matter behind you. 

If you would like to make a payment on your account we have many convenient ways to pay : Pay Online : Click on the button below to access our payment portal and use your reference number to log in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Resurgent Capital Services L.P.
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 information incorrect

Complaint:
my complaint is about blatant violations by LVNV/Resurgent and XXXX, XXXX and XXXX. I asked LVNV to validate a debt they have listed on my credit reports. The first letter I sent was in XXXX they sent a bill to me. I again asked them for proper validation and they ignored my request. Since then I have sent 4 other letters and got no response. I can provide the letters upon request. I then disputed with the credit bureaus using the factual evidence from my reports. Needless to say I found several violations and inaccuracies so I disputed those as well even so they continue to report with no regards for the laws. I will attach pages from my report so you can record these violations. Each bureau has been reporting different information which can't be accurate. such as trying to re-age an account, also moving an account to another area on my report. Changing a collection from open to closed then back open. XXXX even went on to say they were no longer reporting this LVNV account but it's still there. This account has been listed with consecutive Charge-Offs for 2 years straight as well as reported late and past due on this collection. See for yourself.They seem to think the laws don't matter. I can't be the only one they're doing this to. I could really use your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CORELOGIC INC
State: AL
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 have provided all the information necessary to place a security freeze on my account. They state I did not supply information necessary to confirm my identity. I provided a copy of DL and utility bill.

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 2023-02-16
Company: Bread Financial Holdings, Inc.
State: UT
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:
Dear COMENITY BANK/VCTRSSEC # XXXX ; I honestly do not believe to ever had any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
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: Account information incorrect

Complaint:
Inaccuracies on all three Credit Bureaus on date of last payment and not reporting accurate information. Information is pulled from credit reports on XX/XX/20 from all credit bureau 's. Transunion, XXXX  and XXXX  for XXXX XXXX listed as XXXX XXXX XXXX. Loan has been payed off and XXXX  who last reported in XX/XX/XXXX still has not updated the accurate information.

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 2019-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card, along with my wallet was stolen on XX/XX/2019. I immediately reported this incident to my financial Institution, Bank Of America. I was told the investigation would take 10 business days to be completed, or I would be given a temporary provisional credit on the 10th business day. I received a message on XX/XX/XXXX, saying my claim was denied. I quickly inquired about this, and I was told the reason it was denied is because the person didn't have any unsuccessful attempts entering my pin. I was mortifed by this ridiculous reason, so I asked that this claim is reopened and escaped immediately. I was told to send a police report ; however, I was never asked to send one prior to my claim being denied. BOA is horrible for denying my claim and not adequately investigating it.

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 2018-07-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I received a letter from Citizens One stating that they were unable to process a scheduled payment for an XXXX loan and that within twenty days Citizens One will close the loan and have long term implications on my credit worthiness. I contacted Citizens One and the only information they could give me was that someone purchased an XXXX on XX/XX/17 using my information. This was over a year and a half ago and this was the first letter I received stating that someone used my identity and personal information to get a new phone. I spent over 45 minutes on the phone asking for information on where the phone was purchased, the type of phone and any other details to help me file a police report. Citizens One customer service ( fraud and billing ) could not provide me with any of that information and continued to treat me as if I opened the loan! This is completely ridiculous that Citizens One could do this and offer no assistance to me during a very troublesome time when I just learned that my information was used to open a loan. I should not be financially responsible for a loan that I certainly did not open and for a phone that I never received. My current cell phone is a phone my husband purchased over 3 years ago. I have an XXXX XXXXXXXX XXXX and under no circumstances was a loan opened. I do not want my credit affected by this fraudulent transaction and I ask that Citizens One fully investigate this matter and provide me with actual details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX i sent a complaint about this company for attempting to collect a debt that is not owed, this company has contacted me numerous of times after 9pm and have now been calling asking for someone else then hanging up, on XXXX this company was suppose to send a validation of debt out and today XXXX i have yet to receive a validation of debt from this company, please i ask that this debt be removed from my credit reports across the or i will pursue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Protection Asso, for XXXX/XXXX, is trying to collect a debt that has NOT been Validated as mine, which has been disputed and requested to do such Validation on XXXX XXXX, 2017, also a Complaint was sent to Florida Office of Regulation because Credit Protection Asso, is NOT licensed in the State of Florida to Collect such debt. No response has been made to the complaint. This debt is reporting FALSE information on the following credit agencies, XXXX, XXXX and XXXX. Reporting in the amount of {$560.00}. This is a Violation of the FRCA.

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 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XX/XX/XXXX I purchased A used vehicle for the amount of {$25.00}, XXXX and payed it off on XX/XX/XXXX and had the title to the vehicle along with A letter stating that the loan had been PAID IN FULL mailed out to me on XX/XX/XXXX And yet the account is still showing up on my credit report as A negative account. I have reached out to the financial institution as well as the three major credit bureaus in regards to this issue, and have not gotten satisfactory results

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 2018-10-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is about a {$11000.00} " capitalization fee '' that I was charged for a loan modification back in XXXX, that reduced my mortgage loan interest rate from 9.0 % to 8.25 %. I contacted my mortgage company twice to have them send me my original loan documents and the modification documents, which they did send me some documents but they were minus all of the pertinent information. I eventually found my documentation from the modification, which is why I know that they charged me {$11000.00}. The reason why I think that there is something amiss about this is because they didn't send the complete documentation and their reluctance to assist a client who has been making on time payments since the modification in XXXX. 
I also just happened to read an old article from a XX/XX/XXXX " XXXX XXXX '' about a woman that was approved for a loan modification for her house and was charged a " closing fee '' of {$11000.00}, which the bank had to correct after the woman contacted your agency. I don't know if it's similar in any way, but I have no other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: HYUNDAI CAPITAL AMERICA
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 information incorrect

Complaint:
In XX/XX/XXXXfinanced a car with Kia Motors Finance, in XX/XX/XXXX I was in a car accident ( not at fault ) I was on time with my payments and never tried to neglect my payments. Car was totaled and there was a bit delay with the insurance and Gap to pay what they had to pay. After they paid it, it left me with a balance of {$120.00} which I never received correspondence letters which they claim they did send them. KMF took it upon themselves to put a charge off on my credit report from the date of the accident until XX/XX/XXXX. In XXXX was when I received the first letter from KIA that I owed that much so I payed it right away because I had no intention to neglect my payments. Payments from insurance And gap were never posted as on time but instead as a Charge off on my credit report.. I have already disputed this 2 times with credit bureaus and nothing gets fixed I also put a complaint with XXXX over a month ago and KIA MOTORS FINANCE wont answer to my complaint or message XXXX  back. I also snapped a picture of my account that said I had no payments due on XX/XX/XXXX and {$0.00} principle balance but yet KIA MOTORS FINANCE has it Reporting to credit bureaus as charged off in my credit report.

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 2020-05-13
Company: National Collection Systems, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Incorrect information on your report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation