BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed a loan with the Bank of America in XX/XX/XXXX to purchase a home in the City of XXXX, MD. The title, Deed, Deed of Trust, and Deed of Trust Note were notrecorded with XXXX XXXX by the title company, so the title is not in my name. I did not purchase title insurance for myself, but I bought title insurance for Bank of America, the lender, when I bought the house. The title company went bankrupt at least 5 years ago. 
Bank of America required an escrow on this loan, that is to pay taxes, insurance and the payment on the loan. 
The problem is that I rented this home to a family and they stopped paying two years ago. When I attempted to have them evicted, I found that I could not, because the title is not in my name, but in the name of the seller. 
I notified Bank of America that the title was not in my name in XX/XX/XXXX. Nothing happened. I sent Bank of America a QWR noting that they were taking my mortgage escrow payments and paying for a home that is not in my name. 

Bank of America should have known this since they were annually updating the taxes to be paid. They would ordinarily check to see if the home ( their security ) is in the borrower 's name. Apparently Bank of America did not. 
I contacted CFPB XX/XX/XXXX. This is Case number : XXXX. 
I believed that you closed this case or deferred it because Bank of America told you that it is in litigation with me over this matter. I am now not in any litigation over this matter. I wanted Bank of America to provide me some financial reduction in the loan because of the losses that I incurred due to not being able to earn any income on the property. I must pay {$1500.00} a month on the loan, but have no income. Bank of America refused. So I signed the document to replace the lost documents in order to record the home in my name. So I have no litigation with Bank of America concerning this loan. 

However, as of today, the home has still not been transferred under to my name. Bank of America is taking my money, and has no incentive to finish the process of placing the home in my name, so that I can manage the home. 

I am current with the mortgage note, because I do not want to have bad credit. Bank of America is taking financial advantage of me. They wo n't place the home in my name. The attorney that the title insurance company hired to represent Bank of American is acting slowly. Bank of America wo n't reduce the debt ( the value of the home is now {$100000.00} and the debt is {$210000.00}, the home is in a declining area ), and Bank of America wo n't even let me refinance under HARP to reduce the interest rate from 7.5 % -- because the home is not in my name. 
This can not be a publicly acceptable response by Bank of America on one of its mortgage loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off an equity line of credit months ago, 3 times requested the account closed. Now I get a bill of {$10.00} for what they claim is a " Release Fee '' to remove the lean by the county. This is an illegal fee that is not in my loan documents nor required by the county as the bank has claimed. The bill also threatens me with additional {$10.00} per month late fees so I have no choice but to pay the illegal fee. When I call the bank and requested the county bill and my signature at closing agreeing to any closing or release fees, they can not produce either. I had the same bank ( Bank of America ) for my mortgage, when that was paid off there were {$0.00} such 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 non-monetary relief
Consumer complaint received 2016-07-14
Company: CL Holdings LLC
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 resulted from identity theft

Complaint:
This debt is not mines i have a delete letter but its not being taken off my credit report at all i want it off,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: Navient Solutions, LLC.
State: DC
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have been trying to track down my student loan debt with navient once it moved from under XXXX XXXX. Due to awful communication and customer service from Navient, the debt then was moved to collections under General Revenue Corporation. They had an old address that I have not lived at for over 3 1/2 years and were sending letters to that old address which were of course not forwarded anymore. So, they started calling everyone and anyone they felt was associated with me. They had my phone number and email correct just the wrong mailing address. I find it harassing and professionally embarrassing that they were calling people who I do n't even know that they had marked as " possible associate '' on their call list. They finally called collegue over at the XXXX, at the XXXX, how mortifying! He emailed me today about it and I resolved the issue with General Revenue Corporation. I am going through my security clearance renewal and have an upstanding reputation in my XXXX community and this is just, very very unnerving. I feel that General Revenue Corporation overstepped all boundries in acceptable methods of contact, calling people I do n't even know and collegues I rarely see. My current address is easy to find online and via XXXX and public records. I went through this very long list of people that GRC had on my file as " possible contacts '' and did n't even know some of them! Creditors should not me randomly calling people who may not even know you or who may only be professional colleagues to try and contact you regarding debt. It is inappropriate and harassing behavior that can also lead to negative professional ramifications. 
I 'm happy to provide a dozen contacts as long as creditors like General Revenue Corporation do n't make up a random list on their own using whatever random methods and call professional colleagues at the XXXX. Especially when they can find my current address easily as a matter of public record.

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 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX -negative $ XXXX XXXX, 2021 Money Sent Your recipient should have the money by XX/XX/2021. 


Transaction ID XXXX Contact info XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2016-12-09
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX sold me a prepaid phone plan. I called to cancel the service, but they continued my service and continued to bill me. XXXX is aware of the problem. 

Furthermore, I attempted to contact Jefferson Capital Systems by telephone at XXXX on Friday XXXX/XXXX/2016, and their phone number said to call during normal business hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America is processing a short sale. They are requiring the mortgagor to sign an authorization to release personal nonpublic information such as social security numbers, account balances, payment information to the real estate broker in the transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have spoken with navient numerous times and expressed financial hardship I have made requests to start repayment that is affordable for me they have refused to assist and have reported on my credit inaccurate information. They have not furnished the information requested by attorneys and continue to evade my request to correct the information reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked Factual Data and XXXX  to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

FACTUAL DATA XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was A victim of identity theft and after reviewing my report I notice there are several hard inquires that I did not authorize on my credit report. Additionally there are fraudulent accounts that are closed but reporting on my report that I never opened. I have attached the copy of the identity theft report my drivers license and social security card for reference. And listed below are both the accounts that are needing to be removed due to fraud and the hard inquires that are also fraud. 

The accounts that are fraudulent are the XXXX XXXX XXXX ACC NUMBER ; XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX ***THERE ARE XXXX OF THESE ACCOUNTS LISTED WITH XXXX DIFFERENT OPEN DATES**** XXXX SHOWING XX/XX/XXXX & XX/XX/XXXX. BOTH ARE FRAUD ACCOUNTS. PLEASE REMOVE. 


The Hard inquires that I didn't list are also listed below. 


XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX NA Inquiry date : XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX EXPERIAN XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX NA Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/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 non-monetary relief
Consumer complaint received 2016-06-10
Company: Arnold Scott Harris, P.C.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
In this year of 2016, I has been receiving call from Arnold Scott Harris to resolve a debt with my Driver License. I spoke to a rep from their collection agency about resolving my debt with a payment plan. The rep told me if I do n't resolve this issue, The client will put a WARRANT for my arrest if the debt is not paid in a timely matter. I tried to set up a payment plan using my debit card, but the company took the funds out on the wrong day and month, which set my account to over draft. Once the rep stated that I can get arrested I went out and obtain XXXX pay day loans to Pay this balance in Full. I spoke to Client ( XXXX Circuit court in XXXX il ) which the lady rep stated that 's no way that will ever happen let alone the balance will not increased. I have called several times, where I asked to speak to a manager. Every time I am place on hold for a long period of time, no one ever returned back to phone or a call back was never giving when they told me the time frame was 48 hours. As, when I did speak to someone every time I called my call is just bounce from rep to rep, nothing was resolve at all. I even spoke to someone who recently call me back told me the REP did not ever say that, then call again and pushed the issue. Which I was told the Rep was wrong and should have never stated that.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: STERLING JEWELERS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeat calls from all different numbers & states. Calls are about every hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for only one credit card by XXXX, nowhere does it say that an application demands 2 inquiries for one credit card. And I discovered that I received 2 inquiries on the same day, one on Experian and one on XXXX  report. I was granted the credit card but I wish I knew there would be 2 separate inquiries and I wouldn't apply. I called to ask why that happened and they said they can do whatever they want and they don't have any note saying that explicitly and asked me if I want to cancel my card but they can not remove 1 inquiry. It is just not usual to get 2 inquiries by any company so it was so unexpected and I believe it might have been a mistake or if not, they should mention it before someone applies. I am planning to get a car soon so this is highly inconvenient and totally not necessary, if I knew I would definitely go with a different credit card.

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 2021-11-22
Company: Rent Recovery Solutions
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a tenant of XXXX XXXX XXXX ( landlord ) at their apartment complex, XXXX, in XXXX, Arizona from XX/XX/XXXX to XX/XX/XXXX. After I moved out, XXXX XXXX sent me a damages sheet and damages charges in the amount of {$1500.00}. They also deducted my {$300.00} security deposit. I called XXXX XXXX to discuss the charges as are they were not in accordance with lease agreement and not reasonable. I even emailed XXXX, the property manager with the dispute. XXXX or any one from wealth management never responded to my emails. My account was sent to collections. Rent Recovery solutions called me to collect the debt. I explained it to them twice that I do not have a debt. There is a dispute on damages and security deposit. Rent Recovery ( debt collector ) called me several times and threatened me to report me to credit bureaus. I insisted that I have emailed/called XXXX XXXX and they never responded to my dispute and that I do not have any debt. Without my knowledge, Rent Recovery reported to credit bureaus with a derogatory charge. My credit dropped XXXX points from XXXX to XXXX. Due to the low credit, my lender rejected a loan that I had applied recently. Due to XXXX XXXX and Rent Recoveries wrong tactics and fraudulent charges, I have suffered XXXX XXXX and harassment. And my loan was denied due to low credit score when I have always maintained great credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge, I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX   XXXX XXXX XXXX {$480.00} XXXX   XXXX {$110.00} XXXX XXXX XXXX XXXX {$590.00}

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 2016-05-24
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Seven months after moving out of my previous home, XXXX XXXX XXXX XXXX XXXX sent a bill for {$370.00} to a collections agency. No attempt had been made to inform me of the debt in the intervening 7 months. XXXX XXXX XXXX had my home phone number, work number, bank account information ( with permission to withdraw ), new address, and e-mail address. Yet they sent the account to collections without ever informing me that there was a balance due. 
The collections agency threatened to take further legal action, including negative credit scores and lawsuits, if I did not pay immediately. The collections agency had no information about the debt. XXXX & XXXX had no information or explanation of the debt, other than " you owe this. '' No one could explain why no previous effort had been made to collect the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Exeter Finance Corp.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2016, we received notice regarding your complaint filed against Exeter Finance Corp. ( " Exeter '' ) through the Consumer Financial Protection Bureau ( " CFPB '' ). Exeter is committed to providing best in class customer service, Today is XXXX XXXX 2016 still not updated or correct for 13 Months now I am Demanding the Exeter Finance remove this from all XXXX Credit Bureaus. Before Legal Action is Taken against Exeter Finance and all XXXX Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked Cardinal Financial and XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX/CARDINAL FINANCIAL COMP XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: V and H Portfolio
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We purchased a Heat Press from online from a company out in California. The heat press that was sent never worked. We have countless emails between ourselves and the company and a full refund was supposed to be issued since they never sent out a replacement machine. This was removed from my credit once before and has now been added back.

Company response to consumer: Closed with explanation