BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-26
Company: AES/PHEAA
State: ME
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:
XXXX XXXX continues to send me notice that I have a payment past due. I have direct debit, money was not properly applied to my account on their end. I contacted customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. There is not a XXXX representative following through on my issue and I need to start at the beginning with every call. I get a different details about how they are managing my payments with each call, and this is still unresolved, not my fault, and potentially damaging to my credit! On XX/XX/XXXX I requested a callback when my payments had been properly distributed on my account and the second level rep promised she would personally make that call, more than a week later FedLoan servicing failed to call but according to my conversation today something was done to redistibute funds on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Selene Finance LP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in negotiations for a short sale with my orignal loan servicer, XXXX. Initially I had applied for a modification but then decided it might be best to do a short sale. While negotiating, the lender had a sheriff sale date of XX/XX/XXXX. On XX/XX/XXXX I was notified by XXXX that my loan was being transferred to Selene Finance and that I would have to begin negotiations with them when they officially became the Servicer ( XX/XX/XXXX ). Upon the loan being transferred, Selene wasn't open to negotiating since it takes time for them to upload the loan into their system ... I was told it would take 1 week minimum. In the meantime, the Sheriff sale was pushed back to XX/XX/XXXX and I am short for time to either get a modification or a short sale done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am XXXX year old struggling to make a living during this pandemic period. My sole current income is Social Security {$450.00} I do not even qualify to file an income tax return. I have no idea as to why Bank of America is running after me to collect a wrongful credit card Judgement for {$19000.00} Bank of America - Plaintiff vs XXXX XXXX Pro Se - Defendant. Attorney for Plaintiff XXXX XXXX from the Law Firm XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - NY XXXX. Bank of America won credit card debt Judgement {$19000.00} on XX/XX/XXXX - XXXX in the Supreme Court of the State of New York - XXXX County Index no. XXXX XXXX Defendant filed Stay of Motion Pro Se on XX/XX/XXXX - XXXX for following reasons : 1 )  Defendant was denied the opportunity to retain legal counsel. 2 ) Plaintiff was awarded Judgement even though they failed to validate the credit card debt. Plaintiff failed to produce the credit card agreement dated XX/XX/XXXX - XXXX. Plaintiff attorney told XXXX XXXX XXXX XXXX in a Court hearing on XX/XX/XXXX - XXXX that the said credit card agreement was not available. 3 ) Plaintiff handed the Court as exhibit 3 incomplete documents of said credit card debt thereby making it impossible to validate the claim of {$19000.00} In fact credit card statements of several months and periods were missing and was not included in exhibit 3 that was presented as evidence to the Court. 4 ) Defendant has no knowledge of the credit card purchases and Plaintiff did not present the Court evidence that Defendant paid for the credit card purchases. 5 ) Defendant was railroaded because case was handled Pro XXXX. XXXX XXXX XXXX us assume XXXX has a case. This credit card dates from XX/XX/XXXX - XXXX up to XX/XX/XXXX. A period of 15 years. Plaintiff has in fact come out whole by charging very high interest rates and fees.

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: 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 have one account with XXXX which is in very good standing but for some reason they have me in death with a next account I contacted them over and over about that negative account and explain to them I only have one account with them and is good standing, I have no idea about this next account

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 2021-09-08
Company: JPMORGAN CHASE & CO.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 I was in XXXX. 
I was in the club with my friend when the bartender said our cash is not enough and we have to pay about XXXXXXXX XXXX XXXX XXXX  ( around {$50.00} ) for drinks. 
I gave her my Chase credit card, then She say the transaction was declined. I said it was not possible and asked her to try again, she told me to sign the rejected transaction. 
( I thought the transaction was not completed because I am abroad USA ) Later She asked if I had another card with me. Then I gave her my XXXX XXXX card and My XXXX card. Then she said that the transaction finally passed. It was late at night, so in the morning I only checked my account balance. 
there were transactions on it XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX I actually authorized a transaction for {$54.00}, but not the others because it will be around XXXXXXXX XXXX  ( {$50.00} ). ] Others transactions of a total of {$2900.00} were never authorized. 
I filed a fraud case with Bank Chase by phone. 
on XX/XX/2021, receive a letter from chase Bank with information, ,I give authorization to the user involved in this transaction ' ( Appendix No. 1 ).

My other two cards have also been charged a total amount of ( {$15000.00} Citi ) ( XXXX XXXX {$9900.00} ) {$25000.00} at the same time, which is impossible to spend and every normal person sees it as a scam. 
Two Banks, XXXX and XXXX XXXX settled my complaint in my favor and I was not charged with this scam. 
I will add that in XXXX the monthly salary is below {$1000.00} So I don't know who was handling this complaint... 
I declare that I will never pay this money and everyone can immediately see that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Recently, a Lender informed me that a Closed automobile loan on my Transunion Credit Report contained an INACCURATE Derogatory Remark ( See Attachment 1, Excerpt from my current Transunion Credit Report ) ; The INACCURATE Remark reads as, Ch XXXX Reaffirmation of Debt. In XX/XX/XXXX, I filed a Chapter XXXX Bankruptcy, which is now 9 years and 7 months old ( See Attachment 2, Excerpt from my current Transunion Credit Report ). During my Ch XXXX Bankruptcy filing in XX/XX/XXXX, I Reaffirmed this Automobile Loan ; I did not miss a payment Pre-Bankruptcy or Post-Bankruptcy filing. In XX/XX/XXXX ( 7  years ago ) I paid this Automobile loan IN FULL, at that time it was no longer a Ch XXXX Reaffirmed DEBT, but became a PAID AND CLOSED account. Both my XXXX and XXXX Credit Reports DOES NOT show this REAFFIRMATION OF DEBT remark on this same account. I disputed the deletion of this remark, on this account with Transunion some years back, and thought it was taken care of. Apparently the remark was not deleted, or maybe it was placed back on the account. This Credit Account is VERY IMPORTANT to my Credit Profile, it is my oldest ( 13 years ) GOOD STANDING credit account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Asset Maximization Group, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from XXXX XXXX Acct # XXXX in XX/XX/XXXX and made payment arrangements which are current and never late and in good standing. I spoke 3x to an XXXX  rep ( last to a supervisor named XXXX on XX/XX/XXXX ) who stated the above and said I do not owe any money nor was I referred to AssetMax a collection agency. XXXX also stated they do not use this agency. The account # for the amount owed to XXXX is the same as the account # for AssetMax. XXXX advised me to ignore the 3 letters I received in the last week from AssetMax. I called AssetMax and was told I owe them money for the balance of the XXXX XXXX   performed at XXXX ( same date of service and same amount ). Aria gave me a number XXXX XXXX XXXX to XXXX XXXX who has access to the same system and said I'm in good standing w/my bill. They advised me to ignore the letters received from AssetMax. I'm already paying this bill and in good standing. It's illegal to collect twice on the same account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ive was having trouble making payments due to a hardship I was going through in XXXX of 2018! I contacted them to make a goodwill adjustment but I was not responded to!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am trying to link my bank account to XXXX and it says that pnc is blocking this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
PNC Bank in late XX/XX/XXXX did a system conversion of their Home Equity existing loans. They changed account numbers and payment addresses. 

I made my normal principal and interest payment in XX/XX/XXXX, but PNC applied it incorrectly as a principal only payment. I suspect it is because they were in the middle of having to move payments over to the new account, but did not properly classify the payment. 

I called in early XX/XX/XXXX to tell them about this problem and to ask that the payment be classified as a regular payment. They promised that they would do so, but it appears they have made a bigger mess of the payment on my account. 

Now, I get a call from PNC debt collector team saying he sees no payment at all since XX/XX/XXXX. I can see more online on the pnc.com website than this PNC debt collector. It appear that the XX/XX/XXXX payment allocation is still screwed up. 

Now, when they get my XX/XX/XXXX payment shortly, I expect it to be as screwed up in processing. I also can no longer reach anyone at PNC call center as I suspect they are getting many other angry calls about how badly they screwed up their conversion process. 

I have been a 100 % on-time paying customer since I got this loan in XX/XX/XXXX. The fact that PNC has been so slow to fix the problem even after I proactively called and then allow their debt collector team to erroneously call customers is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent a letter to Equifax and XXXX through certified mail. Tracking # XXXX to XXXX. Tracking # XXXX to Equifax. It was received XX/XX/XXXX and XXXX. In the letter I stated I had a filed an FTC Identity Theft report for a fraudulent item on my credit report. A XXXX XXXX Account was fraudulently placed on my report. In the certified mail I included a copy of a completed FTC Identity Theft Report, letter stating the issue, Copy of Social Security number and Copy of Driver 's license to verify my identity. I called to ensure delivery of items. According to sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. The account should have been blocked and deleted. Equifax and XXXX has failed to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
We had a Bank of America sba loan and we had settled and paid off the loan in XXXX. We had the house as collateral, so Bank of America had a lien on the house and loan was paid off and the lien still on the property. We tried calling and going to the bank where we paid and they told us they dont have record of it. 
They directed us to you for best solution. 
We are currently selling the house and we are in escrow thats how we found out. 
Escrow closes XX/XX/XXXX and we need this lien off. 
Thank you for all your help XXXX 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 2021-09-08
Company: Experian Information Solutions Inc.
State: DC
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 complaint is about Experian credit bureau. 

I disputed an account error on my Experian credit report. The accuracy of my ( XXXX ) account status was incorrect and I have corresponding paperwork from XXXX and my insurance company to reflect the account as paid. 

The XXXX account has been removed from my XXXX and XXXX credit reports. However, Experian has made no changes. If the account was properly investigated then this would not be the case.

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 2018-06-17
Company: HOME BANCSHARES, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX, XXXX ( XXXX ) wired {$100000.00} USD from its XXXX XXXX XXXXXXXX to XXXX XXXX ( owned by Home Bancshares ). XXXX file a request to reverse the wire the same day. The funds were sent to XXXX XXXX XXXX XXXX to continue for New/Current Construction costs property XXXX XXXX XXXX XXXX, XXXX, FL XXXX Lot XXXX/XXXX. 

XXXX spoke with XXXX XXXX XXXX - President of XXXX XXXX   has said he would look into the issue. XXXX XXXX refuses to respond. 

XXXX XXXX 's actions are Violation of Florida State Statues for Civil and Criminal Theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Started with loan modification XX/XX/XXXX, have faxed and faxed and faxed, and SPS always says need something else! Example, first need information from a rental, faxed, then by the time that is faxed, now need updated bank statements, have called once a week and always something new! So paperwork sent now SPS needed a verification of mortgage for another property, ask SPS relationship manager XX/XX/XXXX said need P & L or V O M? Have sent both, the VOM was emailed XX/XX/XXXX and faxed and again emailed and faxed XX/XX/XXXX! Then get a letter dated XX/XX/XXXX said was  never sent! ( SEE PROOF ) Said had to disputed so emailed and per letter says have to mail! HAVE PROOF ENCLOSED! This is just 2 proof of how un-ethical and reason not to approve modification, especially since and option arm loan that banks do not offer anymore! Have requested an re-review SPS said too late told them XX/XX/XXXX that paperwork was sent in per there request! This is just one of many items i have proof of! They will refute the complaint but have PROOF of many and this ONE particular proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
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:
I am really new at all this credit stuff but I am going through a really bad divorce. I am almost certain that account have been opened in my name the I never filled out application for credit. I never to freeze my credit files until I can go over what is and is not mine. The following addresses are not correct and do not belong to me possibly my soon to be Ex-husband. I an not associated with the addresses below. My only address is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following fraudulent addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX 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 2020-05-08
Company: EQUIFAX, INC.
State: NJ
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:
Please be advised that on XX/XX/2020 I have written the Consumer Reporting Agency Equifax Information Services then requesting a investigation as to some accounts being reported on my Equifax Credit Profile. I did not receive any updates, correspondence from the reporting agency. On XX/XX/2020 I attempted to go on to myequifax a portal where consumers can file disputes and get updates on disputes or other investigations pending with Equifax I carefully answered all the security questions correctly Equifax will not allow me online viewing of my report and I would like to explaination as to why? Also I wanted to check the latest status of my dispute Mailed to the reporting agency on XX/XX/2020 via US Mail. Also it should be noted that I can not access my report on XXXX I do ask that the consumer reporting agency contact me direct at my current mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This card was stolen XXXX  chase banking XXXX. Recalled new debit card to stop XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Paid money in XX/XX/2022 twice and then said I was late I. XX/XX/2022 for no payment and believe some of my extra payments I paid on principle did not go to principal.

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 2021-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
i recently sent a letter to the Portfolio Recovery associates llc and in That letter i asked for copies the original relationship documents from origional creditor that show my wet signature of consent to sell the alleged debt to a third party, and if a document does exist than i would like a copy also and i still havent received any copies for three months which is a violation of the FDCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: DISCOVER BANK
State: UT
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:
Discover Bank is reporting an erroneous debt on my credit file that must be removed. I recently looked at my credit file and noticed this debt with them, I immediately called and settled this debt with them. I had no idea that this was on my file, as I never received any calls, notices, or correspondence from them. I ask that they remove the account for not giving me ample time to pay this, or giving me my 30 day right to dispute. The debt is no longer owed and I would like the account removed.

Company response to consumer: Closed with explanation