BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX, I have been unemployed due to being XXXX for over XXXX months and I am not receiving any XXXX income or any income at all for that matter. 
My home at XXXX XXXX XXXX XXXX XXXX, TX XXXX has XXXX mortgages attached to it. The XXXX lien is with BOA and the XXXX is with XXXX XXXX XXXX. My payoff with Bank Of America is {$140000.00}. I have been working with Bank Of America on applying for a Short Sale of my home Bank of America has completed an appraisal on the home which came to {$150000.00}. We have a qualified buyer who has been waiting for over 3 months on the review at a purchase price of {$150000.00}. XXXX XXXX XXXX has approved the short sale payoff of {$2500.00}. I also owe the Home Owners Association around {$1300.00}. With the payoff to BOA of $ XXXX, XXXX payoff of {$2500.00}, HOA, Commissions and closing costs, I am still {$11000.00} short when it comes to the closing table. Bank Of America is saying because the appraised value is more than the payoff, the file does not meet investor guidelines. I feel very upset about this considering the fact that we have been trying so hard to work something out with everyone. BOA even accepted the {$150000.00} offer including paying the closing costs to pay the XXXX lien, HOA, Realtor Commissions on XX/XX/XXXX. Now they are saying that it does not meet investor guidelines. When they accepted the offer, the buyers completed their inspections which was an out of pocket expense they now want reimbursed. In the offer worksheet that BOA accepted, they even agreed to paying {$12000.00} towards the XXXX lien which is more than we were asking for ( {$2500.00} ). This does n't make since why they would accept the offer then say " it does not meet investor guidelines ''. They think because we have an offer at $ XXXX that I can pay the payoff of $ XXXX and bring an additional $ XXXX to closing to pay off all the other expenses, with no regard to my financial hardship or the fact that the home sat active for over XXXX months before we got the offer of $ XXXX. If BOA forecloses on the home, they will spend more money going through the foreclosure, paying attorney fees, losing lending power, paying realtor commissions, paying property preservation services, closing costs etc. I am extremely upset and suffering an enormous amount of stress that it is physically killing me. My family is helping with an attorney that wants to take the case, but I really want to work this out as politely and peaceful as possible. I have attached the documents for your review. Please help me!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I do n't feel like my monthly payment amount or interest rate is realistic. I have tried multiple times to lower my interest rate with no success. I have also tried to change my payment plan with Navient with no success. I went on forbearance last year without realizing that the interest was still accumulating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TaxServ, LLC
State: CT
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:
XXXX XXXX repeatedly sent collection letters with their logo and each phone call was prefaced with an attempt to collect a debt and failed to disclose I could have reci no ded the contract of a lemon vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am retired XXXX XXXX and always but Honor, Respect, and Loyalty first. I did not think much of anything when I was receiving letters in the mail about a debt. When I looked into it I discovered the it was a debt that HSBC sold to XXXX. I had taken a loan with HSBC in XXXX and have proof it had been paid off. I sent a copy to XXXX XXXX XXXX XXXX and there response was it is a loan that was taken out in XXXX. I did not understand because my loan was XX/XX/XXXX and I received an original copy paid. Despite my plea they did not care. 

In XXXX they sent an order through XXXX  XXXX and tried to garnish, but to no avail. After I asked for a promissory note, something with my signature XXXX could not, so they cause of action and moves Court to dismiss the case from my bank. But, what I did not know it was hanging out in the cloud somewhere. I sold my house and now it showed up again and the Title company is only following their protocol and held back some money. They informed to to write to CFPB to get help and have this company to stop harassing me. 
Once again, XXXX XXXX XXXX has not responded to proof of loan and have giving me the run around. I even had the Title company agent represent me and asked for information, but to no avail. The Title company agent tried calling several times like I did, but was given the run around. This debt does not show up on my credit. I've been able to refinance my home through HARP and by vehicles and get other loans with no problem. This has been a thorn in my side. I need Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX  - XXXX Account # 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 non-monetary relief
Consumer complaint received 2016-04-18
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This attorney keeps calling me at home and at work to try to get a hold of my boyfriend. The debt is not mine and even after telling them on numerous occasions to stop contacting me they still call every day. They are putting my job in jeopardy every time they talk to the my boss. They know everything about me and they should n't.

Company response to consumer: Closed
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agencv mav make an consumer report containina an of the followina items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX ears 15 U.S.C. 1681S-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the I person knows or has reasonable cause to belleve that the intormation is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I switched my auto insurance ( XXXX XXXX ) to another company in XX/XX/2022, during the transfer of services ; I asked what balance did I owe, the representative I spoke with said I did not have a balance ; she stated that I was paid in full. this conversation took place XXXX XX/XX/2022. XXXX to XXXX months later I started receiving phone calls and text messages say that I owed {$200.00}. to XXXX XXXX. My credit report was effected as well. The creditor is listed as : Credit Collection Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Kenneth, Eisen & Associates, Ltd.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, the KENNETH EISE collection agency uploaded that I own them on my XXXX as a {$100.00}. I tried to reach them over the phone to confirm if I confess something to them and over the phone, I requested them to send me a clarification letter. The representative was rude to me and promised to file a lawsuit against me. The Kenneth XXXX agency refuses to validate debt which is discriminated against my right under the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Enhanced Recovery Debt collector re-aged a debt that had been placed over 8 years ago and lists it as new. XXXX rejected the complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient had increasingly made it difficult to star a repayment plan to bring my account out of deferment and would only offer an agreement which I would not be able to read first, only have the terms dictated to me over the phone and give a verbal agreement to extend the life of my loan. I do not have enough liquid capital to overcome the thousands in interest that have accrued and they offered nothing except for threats that my credit will continue to be ruined until I paid. The loan was then being managed by XXXX ( XXXX XXXX XXXX ) which I was able to arrange a repayment plan to bring my account out of deferement however, after my first payment, the loan was returned to Navient. I am struggling pay check to paycheck without the means to overcome this debt, though when I was paying more than interest only payments for years, prior to losing my job and finding a new one. They offer very little and I have tried other means to refinance my loans but am always denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My issue is with NATIONAL CREDIT SYSTEM # XXXX who had posted many errors on my credit report. at on point the showed I owned over XXXX dollars on my credit report a few months later they changed it to over XXXX than a few months later {$1400.00} and few months later they put paid in full. I have disputed this account many times with the credit companies and national credit systems verified the account even with errors. I have request for validation of the account 3 times there failed to send it to me or they 1 time sent paid in full letter. So I requested any documention they have showing me that I paid from XXXX to the XXXX balance they show on my credit report which they will not have since me and my wife never paid XXXX on this account from {$1400.00} to XXXX they just made errors. A this point I want this account off my and my wife 's report since this account was verified and failed to follow the legal system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX and I recently opened a checking account with Citi bank and I work as a driving instructor so my job pays me every single month. When I deposited a check last week on my XX/XX/22 the money processed in about 3 days. After the second day passes by I come to find out that they have blocked my account and then closed and terminated it afterwards for no apparent reason. Now I have {$2800.00} stuck in my account and I can not get it out.

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 2022-11-14
Company: JPMORGAN CHASE & CO.
State: CA
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX, JPMCB Card, and XXXX  XXXX XXXX creditor has violated my rights. 

Under 15 USC 1681 section 602, states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have made numerous attempts requesting the validation of the debt. I have requested in writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The name of the company is ERC and they keep calling me after I have asked them several times to stop calling me.They are calling about a relative of mine who does not live with me and is not at my address or my phone number.But they keep calling.The lastest calls all all automated with a message to call them and a reference number thens hangups.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; XXXX Opened XX/XX/XXXX for XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX for {$820.00}, Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off.

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 2022-11-14
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
To whom this may concern, As a XXXX XXXX XXXX in high school, I knew nothing about student loans, how it worked, and all the ties attached to it. I was uneducated and unaware of the consequences of applying for a loan under a variable fixed rate. Sallie Mae has raised my monthly payments of {$200.00} to {$310.00} in XXXX year. I am a full college student, struggling to balance XXXX jobs and a full schedule of classes to meet the $ XXXX  monthly payments Sallie Mae has put on me. I have reached out to customer service on numerous occasions and the solution they offered was deferring my payments for XXXX XXXX or XXXX. I have also reached out to the XXXX XXXX XXXX XXXX, explained my struggle as a full time college student to meet the $ XXXX  monthly payment and they provided me with the same " solution ''. This is not a solution, it is a bandaid and will hurt me in the long run. I will not be able to finish college and apply for another $ XXXX loan if my monthly payment is not reduced. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Contacted ERC directly and via CFPB regarding a debt that was not mine after I received a letter in the mail. Within XXXX hours of receipt, I contacted ERC by phone and by mail indicating that this account was a result of theft and I had no knowledge of the account. I provided a police report and FTC affidavit. I was I was told that this issue was resolved ( ERC also indicated such via the CFPB complaint that I filed ), yet ERC just placed a collection on my XXXX report for the same amount but with a service date of XXXX 2015-XXXX 2015. This is not correct as I have never had service. A police report has been provided and it has already been removed from my report once.

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 non-monetary relief
Consumer complaint received 2022-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I was at Kohls in XXXX CA on XX/XX/2022 with an existing Kohls card and a mailer thanking us for having a card for 15 years. ( The card holder is my mother, who was present and using the card to purchase a few items ). When we attempted to use the existing card, the cashier told us the card was not working since it had not been used for several years. We were informed she had to reactivate the card. We followed her directions of entering the name, social security number etc on the terminal. We STOPPED and said that it was appearing that we were applying for a new card. She said again that it was only to reactivate the card. When the terminal promoted for annual income we stopped again and VERY CLEARLY stated that we did not want to apply for a new card. We were again told that this was a reactivation. When we finished entering all the information the cashier told us, YOUR APPLICATION was denied!!!!! She lied to us and made us apply for a new card. Our existing card was not reactivated. This is exactly the same as XXXX XXXX customers given a credit card when it was not requested. We did not want to apply for a card, simply reinstate a card that had been in existence for 15 years. This is so wrong. Bait and Switch. Unfair credit practices. And what is worse is the LYING cashier saying that we were not applying for a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX or Experian are neither complying with their own policies in a timely manner. 
I have made several attempts to contact via phone and mail and incorrect information is still being reported on my credit report. I have not received any information validating the 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