BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to ask that you provide to me a true, correct and complete copy of the promissory note and any other evidence of indebtedness, with any modifications or endorsements thereto, as disscused in California civil code & 294 3 ( b ) ( 1 ). 

Please provide to me a true, correct and complete copy of the deed of trust with any modifications and assignments thereto, as discussed in California civil code & 2943 ( b ) ( 1 ).

Please also provide, pursuant to the truth in lending act ( 15 u.s.c & 1641 ( f ) ( 2 ) the name and address and telephone number of the secured obligation 's owner or master servicers. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca, XXXX Account # XXXX XXXX * XXXX XXXX pm *

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: TX
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 disputed a fraudulent account by the name of XXXX XXXX  account number ending XXXX and I never received a response from Equifax or it didnt get removed I never applied for this credit card and I send in some documents and never got a response at all its been a month ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today XX/XX/30 i deposited a check for about XXXX dollars and in the middle of the deposit the atm machine froze turned black and restarted and kept my card and check and never gave a receipt or reflected a deposit on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Sallie Mae Consumer Banking Company is taking advantage of people in times of crisis. 22 million people in the United States are currently unemployed. People are worried how they are going to feed their families. Meanwhile Sallie Mae is only concerned with the money they are going to make. When COVID-19 took over the world, almost every company I have ever been in contact with sent out an email detailing what they are doing to help in this time. Sallie Mae sent out an extremely vague email saying to " contact their costumer support for help. '' Since I lost one of my jobs during the pandemic, I can only afford to pay my rent right now, and I am unable to make my student loan payments. When I finally was able to contact someone at Sallie Mae, they informed me that I could be eligible for, a one time, three month forbearance in which my loans will still be accumulating interest. How is a company as large as Sallie Mae getting away with penalizing those who can not repay their loans right now? 
Federal loans have stopped collecting payments and are not accumulating interest during this economic crisis. Meanwhile Sallie Mae will penalize me, and only give me 3 months. The way things are going right now, I am highly unlikely to get my second job back in the next year or so. This is immoral and predatory behavior. I want to make it extremely clear that I have worked very hard to diligently pay off my loans while I put myself through XXXX school. During my time as a student I have worked full time, and opted to pay interest as I went. Trying to always do the responsible thing. I am having to make almost {$200.00} payments every month, ( even though I am still in school ) this has forced me to get a second job, just so I can make my payments on time. When I lost the secondary income I did not file for any unemployment benefits, because I have enough to pay my rent and buy food. I recognize that is lucky compared to how a lot of people are suffering right now. I would not feel right collecting money that someone needs more than I do right now. That is called doing your part for society in times of crisis. Getting through these times are going to take effort and sacrifice on everyones behalf. Sallie Mae is not doing enough, or hardly anything at all, to help those who can not afford their payments right now. This is just another example of a large financial institution breaking the backs of those who have no other options. What kind of society do we live in where companies like Sallie Mae can get away with hurting young, hardworking, future nurses? Something needs to change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Rent Recover, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Me and my boyfriend moved into XXXX XXXX XXXX on good standings.We paid our rent every month and never gave our neighbors any problems. My boyfriend is in a XXXX and we explained that to them. Everything was ok in the beginning until things started going bad with my neighbors upstairs apartment. The people upstairs had a bad leak that took them days until they decided to come fix it, they did n't treat the problem properly just covered it with paint and the problem kept coming back. We asked time and time again we put in work order after work order for them to fix the problem but they just brushed it off. Well due to their brushing the problem off, the walls accumulated mold which caused my boyfriend to catch a XXXX XXXX that put him in the hospital for many months at XXXX XXXX. We were not the only people that had mold and the apartments knew that. We stayed in our lease and told the leasing office about our situation and they still did not want to fix the problem or work with us. We did n't leave because we just wanted to, we left because it was a XXXX emergency We had proper documents from the Hospital and Doctor appointments. Not only that allot of crime was going on inside of the apartment complex and the leasing office felt like it was ok not to inform the residents on what was going on, my neighbors right next door and upstairs apartment got broken into and a lady three doors down got XXXX  and when I asked the leasing office what they were doing about it as far as safety, they told me it was none of my business and they did n't feel like it was a concern. Not knowing that I knew already that the man who did it stayed there and still had a gate card and a key due to another neighbor telling me what was going on. They had people running through the bushes running from the cops and one of the guys ran into my apartment as I was going in with my niece, when I told the leasing office about it all the lady said was " Awww I 'm sorry to hear that '' .The gate was never working and security was just letting anybody in. I 'm a female and my husband is in a XXXX it just was n't safe for us. Even though we was right down the street from the jail the police still take their time to get there.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased a Mattress from XXXX on my XXXX XXXX  Credit card. Was delivered three, charged for 2.  First delivery, damaged in shipment and not delivered. 2nd Shipment delivered. 3rd delivered and delivery refused and told by amazon to me to do. I also purchased an XXXX Gift Certificate for XXXX dollars to receive a XXXX dollar bonus which also appears on my statement. Talked with XXXX dispute resolution and they stated i could only dispute the charge for the extra mattress. Unfortunately, the charge appears as one line item, but in actuality is combined of 4 items : 1. A mattress costing XXXX less a credit of XXXX XXXX. A mattress frame costing XXXX less a credit of XXXX Therefore being allowed only to dispute XXXX when the mattress never received cost XXXX as reflected in the XXXX statement charge is incorrect. I spoke with both XXXX and a supervisor and was not able to record a dispute the credit not delivered of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed some fraudulent accounts on my credit report. I submitted a comlaint with the FTC. I have attached my documentation and the report. Please remove these accounts from my 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 2021-06-01
Company: CURO Intermediate Holdings
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AD ASTRA RECOVERY SERVICES is in violation of 15 USC 1692g. AD ASTRA RECOVERY SERVICES did not respond within 5 days of initial communication. I sent a debt validation letter to AD ASTRA RECOVERY SERVICES on XX/XX/21 and they did not respond with the information I asked for. I asked them to send me proof that I owe them this debt. I asked for a signed agreement Debtor has made with debt collector. I asked for the authorized Signature of the creditor. 
They failed to provide me with any contract as proof that I owe them this debt. 
They send me a letter on XX/XX/2021 that included a symbol which is in violation of 15 usc 1692b ( 5 ). 
Rapid cash is also in federal violation for not including the sum of all charges in the finance charge. Violation of 15 usc 1605. I never gave consent to AD ASTRA RECOVERY SERVICES.

AD ASTRA RECOVERY SERVICES is in violation of 15 usc 1692 for stating I owe a debt through mail. After I already sent them a cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: American Credit Acceptance, LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
AMERICAN CREDIT ACCEPTANCE VIOLATED MY RIGHTS AS A CONSUMER. THE NON-DISCLOSURE AGREEMENT PLAYED DURING THE REPOSSESSION DEPT LINE DOES NOT INCLUDE FEES FOR THE AUCTION. EACH ACCOUNT HAS DIFFERENT FEES DUE TO HOW LONG THE VEHICLE HAS BEEN ON HOLD AT THE AUCTION. AFTER 1 MONTHS OF PHONE CALLS THE REPO FEES WAS MENTIONED BUT THE AUCTION FEES WAS NEVER MENTIONED. ACA INTENTIONALLY DOES NOT SPECIFY THAT IN HOPES YOU ARRIVE AT THE REPO PLACE WITHOUT THE FEE IN ORDER TO KEEP YOUR CAR. THE COMPANY REALLY WANTS TO KEEP AS MANY CARS AS POSSIBLE. THE SALE/AUCTION LETTER SENT OUT DOES NOT STATE A CHARGE PER DAY NOR FEE THAT WILL NEEDED INORDER TO RETRIEVE VEHICLE FROM AUCTION EITHER. ACA ALLOWED ME TO PAY ALL PAYMENTS ON MY ACCOUNT WITHOUT INFORMING ME THAT I WILL STILL HAVE AN OUTSTANDING FEE WITH THE AUCTION THEY HAVE PARTNERED WITH. AUCTION DOESNT BREAK DOWN WHAT THE FEES ARE FOR SO YOU JUST LOOK AT THE AMOUNT AND FEEL OBLIGATED TO PAY IT JUST TO GET BACK YOUR CAR. 

NOT ONLY WILL THIS MISSED INFORMATION SET ME BACK ANOTHER MONTH LATE ON MY CAR IT LEAVES ME TO FIND TRANSPORTATION TO THE FACILITY THEY USED AS THE AUCTION. THE FACILITY IS 3+ HOURS AWAY FROM WHERE THEY REPOSSED MY VEHICLE FROM. MY NEXT CAR PAYMENT IS ON XX/XX/XXXX AND IT IS NOW THE XX/XX/XXXX. LEAVING ME TO CHOOSE BETWEEN BEING LATE AND GETTING THE PAYMENT OR USING THE MONEY TO PAY THE FEE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I HAVE BEEN DISPUTING UN VERIFIED ACCOUNTS NEGATIVELY AFFECTING MY ACCOUNT WITH EXPERIAN. THEY HAVE AN ACCOUNT FROM XXXX THAT I HAVE SENT OVER DOCUMENTATION SHOWING THAT THIS IS NOT MY DEBT DUE TO A SHARE METER AT THE TIME I LIVED AT THE RESIDENT.YET STILL EXPERIAN CONTINUES TO VERIFY THIS DEBT. HOW IS THIS POSSIBLE.

I HAVE SENT OVER 3 DIFFERENT CERIFIED LETTERS ABOUT XXXX   ACCOUNTS. XXXX HAS NEVER RESPONDED TO ME, YET STILL AGAIN, EXPERIAN CONTINUES TO VERIFY THIS ACCOUNT. I HAVE GOTTEN NOTHING FROM XXXX   ABOUT THIS ACCOUNT.

I HAVE ALSO SENT OVER VERIFICATION LETTERS TO XXXX XXXX. ALL THEY HAVE SENT OVER IS A LETTER SAYING THIS IS MY DEBT. HOW IS EXPERIAN STILL CONTINUING TO REPORT THESE ITEMS THAT ARE NEGATIVELY AFFECTING MY CREDIT WITHOUT ANY PROOF FROM THE ABOVE AGENCIES. IT IS AGAINST THE LAW.

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 2019-02-18
Company: JPMORGAN CHASE & CO.
State: WA
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 have a promotional balance on my Chase credit card account with 0 % interest for a promotional period. that period is about to expire. I asked how to pay the remaining promotional balance before the period expires to avoid the interest for the entire period being added onto my balance in a lump sum. I was told that because they apply all payments above the monthly minimum to the amount with the greatest APR that my promo balance can not be paid off by request and additional payment and that the only way to avoid the additional interest was to pay the total account balance. This is NOT how any of my other accounts work nor was this included in the promotional information. If I send a payment and ask to have it applied to a promotional balance, it is. That is how you are able to avoid interest for some of the balance. It is completely unfair for Chase to require the total balance to be paid to avoid interest on a promotional balance. They should allow the promotional balance to be paid when ever the customer wants to send a payment in addition to the monthly minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Mortgage Research Center, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I applied to refinance my VA home loan online with XXXX XXXX. 
I was given a " to do '' list of documents and other steps I had to make. 
All of these items were completed by XX/XX/XXXX. There were two items that are still pending review. Tax Returns, and the Mortgage Statement ( attached ). The details page of the account information listed an account ID, a loan number, and an estimated closing date of XX/XX/XXXX. ( attached ) this information has not changed as of XX/XX/XXXX. On XXXX I emailed my loan officer to find out the situation. She did not email me back until XXXX on XX/XX/XXXX. In the email she claimed to have reached out to me 2 months ago, about tax returns and average net income. If I had know this 2 months ago I could have looked somewhere else for a refinance, but since I had signed the initial loan estimate I felt like I had to wait for them. In bold letters it says " NOTE : DO NOT SIGN THIS FORM UNLESS YOU WISH TO PROCEED WITH THE LOAN APPLICATION COVERED BY THE LOAN ESTIMATE. IF YOU DO WISH TO PROCEED, PLEASE RETURN A SIGNED AND DATED COPY OF THIS NOTICE OF INTENT TO PROCEED TO THE LOAN ORIGINATOR. '' I completely understand that they do not think I qualify for a loan from them. My issue is that they did not inform me of this until after several months of waiting, and I had to ask them what was happening.

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 2019-04-29
Company: EQUIFAX, INC.
State: TX
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:
Equifax is reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: TOYOTA MOTOR CREDIT 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 status incorrect

Complaint:
I ( with a cosigner XXXX XXXX ) have an auto lease with Toyota. They claim my XX/XX/2019 payment was 30 days past due. I spoke with a manager over the phone we did a 3 party call with my bank to confirm. The manager agreed to remove 30 day late because of incorrect information. I have an excellent payment history, and this is unfairly hurting both mine and my cosigners score. I would do anything necessary to rectify this. I appreciate any help, thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Sent first dispute letter out on XX/XX/XXXX its was received and signed for on XX/XX/XXXX took them past 31days until i recevied a response, I sent them a second dispute letter that they received on XX/XX/XXXX telling them to remove the account from my report they failed again to respond and did not update " to in dispute '' on any of my credit reports or remove the account off any of my credit report i direct violation Fair credit reporting act, i want this account removed from all reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Avadyne Health Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with H & R ACCOUNTS. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
I can't remember the exact dates, but over the life of my loan I have made payments and paid ahead when I can. This was an effective strategy to keep my payments manageable, until about 3-5 years ago when I noticed that my interests rates just so happened to go up and bring my amount due equal to the amount I was paying to get ahead.

I did my best to catch back up, even through an injury that limited the amount I could work for a time. At that time, I called Navient and expressed my concern, after never seeing my payments fall back, only to be told that they did not set the rates and that the rates were variable and set by the Federal Reserve as was my understanding when I took the loan.

I, now, know this to be an outright lie. On Navient 's website, it now says that the lender sets the rates. When my loan started it was around 5-7 %. It is now nearly doubled to 11.25 %. This is unheard of for student loans and unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Consumer Portfolio Services, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft, I have tried to reach out to the creditors and get this situation rectified. These accounts below are fraudulent and unauthorized. 


US BKPT CT OH XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX CONSUMER PORTFOLIO SVC XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX  XX/XX/XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Automated Accounts Management Services
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with AAMS LLC. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Attempted to withdraw funds from ATM. Machine did not dispense funds. Money was still debited from my account and has not been returned. Company has not done a timely investigation or made attempts to return the money to my account.

Company response to consumer: Closed with monetary relief