BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: COAST PROFESSIONAL INC
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Summary : Coast Professional ( debt collector ) is using false information to intimidate and mislead Perkins Loans holders into paying debt that is supposed to be forgiven. 

I am a Federal Perkins Loan holder. For five years I worked as a XXXX XXXX XXXX ( high needs subject area ) in a Title 1 school. Both of these qualifications make me eligible for yearly deferment of payments and cancellation of a portion of the loan each year for 5 years until the loan is entirely forgiven. Every year I have filled out the required paperwork which includes employment verification from the school district I worked with. This year, even though they have accepted it in the past, the lender XXXX XXXX XXXX ) rejected my application because it was signed with a digital signature. Their current paperwork even states that digital signatures are accepted. Anyway, in the process of redoing my paperwork, the lender sent my loan to collections ( everything has to be done by snail mail because the district 's official stamp - required by the lender - will not show up when electronically scanned, the paperwork has to be completed at the DO - no one at my actual school could do it - per lender 's requirements, and I live an hour from the town where I taught ). 
So, my loan ended up with Coast Professional. When I called XXXX XXXX to dispute everything, they told me I needed to call Coast Professional and ask them to send the loan back to them. XXXX XXXX conveyed that this would not be a problem. I think they knew better, but I've already sent in a complaint about them. 
The first person I spoke to at Coast Professional ( I believe the date of this call was XX/XX/2022 ) claimed they could not help me, and my only recourse was to either consolidate my Perkins Loan into my PSLF loans ( which would effectively require me to make payments on the Perkins Loan which was eligible for immediate forgiveness ), or to set up a payment plan with Coast Professional. I refused to do this and demanded the company do what XXXX XXXX told me they could do. This call center employee then transferred me to a " manager '' who FALSELY claimed I had lost my eligibility for forgiveness because the loan was now in default. Eligibility for Perkins Loan forgiveness can not be taken away as a result of late paperwork or other clerical errors that put it into default. This is FACT ( which I know because I've gotten my university involved in this matter ). She then threatened to share negative information about me with my university. I told her I would call them myself and asked for the number she had. She gave me a phone number that turned out to be fake and not associated with my school. ( All of my university 's numbers begin with the same three numbers, this one did not and went to XXXX XXXX of XXXX recording ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The homeowner has been trying to get a loan modification since XXXX/XXXX/XXXX. During this time Washington Mutual stated that the application was lost, re-apply. During the period of XXXX/XXXX/XXXX WaMu was acquired by J.P Morgan Chase Bank , N.A . I have applied 3 times since with JP Morgan Chase only to be denied : without an explanation for the denial. 

On XXXX/XXXX/XXXX A notice of foreclosure was filed during a loan modification application, which began dual tracking against the homeowner. 

On XXXX XXXX, XXXX a Lawsuit was filed against WAMU and JP Morgan Chase for Recession. 

On XXXX XXXX, XXXX a decision was granted to homeowner for Recission in favor of the homeowner. Case number : XXXX vrs JP Morgan Chase XXXX XXXX. The Recission award was for {$90000.00} dollars. To this date I have not seen any account, nor was monies not received on behalf of homeowner. 

On XXXX/XXXX/XXXX the Court dismissed the above case without prejudice. I have not received any monies thus far. 

According to JP Morgan Chase the Principle Reduction was paid to XXXX account # XXXX : the homeowner is not aware whos account this is? 

A new Statement of Foreclosure was sent to homeowner of XXXX/XXXX/XXXX. 

The homeowner has ordered a XXXX and show strong evidence that the following possible violations exist : 1. Broken chain of title. 
2. No just standing 3. Gross fragmentation of the note to XXXX. 
The home owners XXXX audit produced in XXXX, XXXX also show strong known robo signer participation in XXXX documents and more. 
The Homeowner alleges the following investor, Master Trustee and servicers ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include : : JP Morgan Chase Bank NA, This CFPB complaint includes : 1. LACK OF STANDING TO FORECLOSE ; 2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. RESCISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
From XX/XX/2021, until the beginning of XXXX, I was abroad, in XXXX, where I used my debit card. 
Unfortunately I did not have access to my bank account during this period because the online account asked me to verify my identity through a code sent to my phone, which was out of service abroad. 
When I return from my trip, I discover to my surprise that the bank has charged me {$40.00} for the use of my card as a fee. This, for the withdrawal of money from the automatic cashier ( {$20.00} ) and in fee when using the card to make payments ( with a total of {$19.00}, but that are dozens of small charges ). 
When I first called the bank, the agent told me that they would reimburse me {$20.00}. 
In a second call, because later I understood that the total was {$40.00} and not XXXX, great was my surprise when the new agent informed me that the refund had not been approved by the system in its entirety, only {$5.00}. 
It seems to me that these charges are, in addition to being unjustified, abusive.

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 2019-12-23
Company: SYNCHRONY FINANCIAL
State: MI
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:
Debt collector had not validated the debt by law by a ( wet ink ) contract and had since XX/XX/2019 to produce one when disputed through al three credit bureaus. The debt collector is in violation of both the Fair Credit Reporting Act and Fair Debt Collection Practices Act by not submitting the porepr documentation that is the original signed ( wet ink ) contract in 30 days.The debt collector is sueing and there attorney failed to produce a valid contract and stated in pretrial that the company did not have one. The company is damaging my credit by reporting the invalid debt to all three credit agenices.

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 2019-12-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Effective XX/XX/2019 XXXX XXXX transferred the loan servicing to ShellPoint Mortgage Servicing dba NewRez. As of the XX/XX/2019 XXXX Statement Date the escrow balance read XXXX. My check no. XXXX added XXXX to the escrow balance. The XX/XX/2019 escrow balance should have read XXXX. As of XX/XX/2019 Shell Point-NewRez shows escrow balance of XXXX. No statements have been received from either XXXX or NewRez to show the transactions causing the difference in escrow balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This complaint is in response to complaint XXXX : Citibank refused my payments which is not legal and has un-closed an account in an attempt to validate their erroneous reporting of my account being late as I have never made a late payment to the account. The representative did not accidentally take a payment from me, she informed me my ability to make a payment online was blocked as I was in a chapter XXXX but I could make my payment by phone to her. Now they wish to pretend they did not willfully violate the Chapter XXXX they thought I was in by accepting payments and would rather un-close the account to show it as being paid late when it was not. I am returning the checks to Citibank along with the attachments below showing the Trustee Motion to Dismiss and my response as I am pursuing action for the fraud. If Citibank shows late payments on my account after reversing an account paid in-full I will proceed with legal remedy as the only reason they are doing this is because CFPB was asked to make them correct the erroneous reporting and they would rather willfully damage my credit then to simply correct the erroneous reporting and close the account. Please note the Trustee 's letter says " PETITION '', not " CHAPTER XXXX PLAN '', as Citibank was told I never affirmed a " VOLUNTARY PLAN '' and they were never submitted to the court as part of a plan. 


Thank you,

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 2021-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
a debt collection company by the name of portfolio recovery has XXXX listed account ( s ) from different original creditors claiming that i owe debts to these companies. the following account number ( s ) are : XXXX, and XXXX. 
i've made XXXX written requests to have portfolio recovery validate that these debts actually belong to me, once on XX/XX/XXXX and a second attempt on XX/XX/XXXX. between these dates i was sent billing ledgers stating that i owed debts but no actual proof of original contracts or any documentation with my photo identification or signature on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: SYNCHRONY FINANCIAL
State: GA
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:
There is a hard inquiry on my account from Syncb National Credit Cards/Airlines. The inquiry was made on XX/XX/2018. I did not give anyone permission to initiate a credit inquiry. I have not been able to get this resolved. Please help!

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 2022-07-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Bank Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: BlueChip Financial
State: WA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I got a loan through spotloan and paid them almost triple what I owned. I called and said how come my bill goes up every month even though I made payments to no answer was given. I told them I 'm done paying cause it 's not right to charge false fees and then found out it was illegal for them to operate in washington state and they still tried to collect and even sold my loan off. No after paying almost XXXX grand they want another XXXX for a XXXX dollar loan. This is extortion and flat of theft. I want them to leave me alone and realize the state of Washington does not recognize them as a legit buisness and per RCW law it is illegal to collect. I was honest and paid back what was owed but it was never enough for them. I 'm done trying to be bullied and harrased into paying more

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The CBE Group is continuing to harass me with another letter claiming I owe a debt to XXXX that was paid in XXXX. The amount was leftover balance from a previous account that was closed by XXXX when I made some account changes. I have been a longtime customer and XXXX simply issued me a new account number. Despite sending them a copy of the paid invoice and a letter fated XXXX XXXX, 2015 warning them not to pursue this matter, I have received another letter ( copy attached ) attempting to collect a phantom debt.I want this company censured and fined. I would like to be personally compensated for the maximum amount due to CBE 's negligence and possible damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have XXXX FFEL Stafford Subsidized Loans in default. Both loans were for {$5500.00} and I owe {$3200.00} on XXXX ( {$88.00} outstanding interest ) and {$3200.00} on the XXXX ( {$100.00} outstanding interest ). I could only find out this information on the federal student loan website. XXXX apparently owned both loans at some point, but they show XXXX loan as transferred and XXXX loan as paid by XXXX XXXX. On the federal site, one shows that Nelnet has it, but when I login, there is no information and no payment due. The other shows that it 's all still with XXXX, but XXXX website shows it 's not. I moved in 2011 during an economic hardship forbearance, and I never got any more information on repayment. Since then, I 've been trying to track them down, and I STILL ca n't figure out how to repay everything. I need some sort of straightforward information, and when I logged on to Nelnet, none of my information comes up or any amount due or how to repay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 at approximately XXXX, I received an email from Bank of America or what appears to be Bank of America . The email states that after calculations of activity with the bank they determined I was eligible to receive a fees refund of {$300.00}. They wanted me to submit the refund request and allow them 3-5 days in order to process it. They stent a Refund Form that was attached to the email, I was to open it in a browser and follow the instructions on the screen. 
The form asks for User Information which consists of a online ID and password, billing address, full name, social security number, date of birth, address ( if different from billing ) city, state, zip code, mobile number, and card information credit/debit, the code verification number ( cvv ). It gives you the fees refund {$300.00} usd. Then they want you to use your email address registered with them to confirm a security verification with your email password. 
I called Bank of America because I do n't have any accounts or credit cards with them to confirm. The representative was very helpful with informing me there was nothing in there system with my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
he company listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a balance of XXXX which is an incorrect balance. It was sold to them by the original creditor and has been updated. to paid {$0.00} balance. I never consented to having my personal information sold a collection. Until recently the account was listed as a open charge off. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. The actual balance originally owed was reported incorrectly to XXXX by XXXX XXXX. Per the Fair credit Reporting Act because of this the this item should be completely removed even thought the amount is now been update to a {$0.00} balance. Have it being reported at a higher amount has damaged my credit due to this simple mistake im requesting that it be removed immediately from all 3 credit reporting agency 's I've reached out to all three credit reporting agencys several times with documentation of the actual balances and nothing has been done about this in the legally require time to correct this the company 's own statement of account shows the correct balance amount. This is not " fair credit reporting '' by increasing the amount and should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Cascade Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A request for verification/validation was made approximately XX/XX/2020. Consumer received nothing until approximately XX/XX/2020 by first class mail. Not only was the information received late, the information provided failed to include the address of the alleged original creditor. In addition, very personal information was included such as the last four of my social security number and my full date of birth. This information is used in personal transactions to identify myself ( personal identifying information ) and should have been masked to prevent abuse and misuse if the wrong party received it, which could be detrimental in almost every area of my life. Also, it appears that there was a violation of HIPPA laws. My right to privacy has been violated and XXXX and Cascade Capital , LLC, failed to take necessary steps to protect information deemed personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Elevate Recoveries, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have requested that this company remove this improper use of my account information. I am a XXXX vet and I have tried disputing this information several times. Reporting of this account violates 15 USC 1681g ( 3 ) and the VA missions act 2018. It also violates my rights as a consumer to furnish my information without my consent.

Company response to consumer: Closed with explanation