BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-13
Company: FIRST HORIZON BANK
State: TN
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have a prepaid First Tennessee Bank Prepaid " Companion Card '' XXXX. On XXXX XXXX, 2016, the account was frozen, shutdown and suspended for exceeding load limits that were not published in the terms and conditions of my cardholder agreement. After multiple calls I was promised my funds would be returned to me promptly. On XXXX XXXX, First Tennessee Bank indicated that the remaining balance of {$4900.00} had been mailed to me as a check. Despite this I have received no check in the mail to date ( XXXX/XXXX/2016 ). I have made multiple calls to First Tennessee bank with no resolution. My most recent call indicated a second check could be sent, but only 90 days after the first check had had a stop payment requested ( XXXX/XXXX/2016 ). 

This is an absurd, unacceptable and unreasonable delay. My funds are being held hostage by First Tennessee bank and need to be released promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: Pinnacle Credit Services, LLC
State: TX
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:
The Pinnacle Credit Service, LLC sent me the debt collection of the phone company name XXXX the phone company I never use or deal with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Stellar Recovery, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
While checking my credit score I found an open account for collections from Stellar Recovery which has never notified me or communicated anything ever to me about anything. If I had not checked my credit score I never would have even found out about this negative factor impacting me. I do not know what this is for or who it is from. This type of conduct must be illegal. I searched for information on the company and any type of financial communication with them requires and account number, which of course, I do n't have because I 've never even heard of Stellar Recovery until now. I submitted a complaint and communicated my concern about this collections account being opened against me with no communication to me at all, ever. Along with the complaint, I submitted my contact information. I have never heard back from them, it has been over a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: National Auto Lenders, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Harrassing phone calls, during the times I specifically asked them not to call. Every time we speak I let them know I am unavailable at certain times, and it negatively affects my current job position. However, I still receive multiple calls, back-to-back, during the times i am unavailable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Privacy

Complaint:
I have had a Bank of America Better Rewards Credit Card with Bank of America for some time, never missed a payment and have had good service. The card I have is unusable and called to request a replacement when I was told that when I cleared a Fraud alert on my XXXX Credit Report. Regardless of whether it is on my credit terms when I opened the account or not I was not informed that my credit report would be pulled just for a replacement. The expiration date is not out or anything. They refused to send me a replacement after the fact I had to go thru a verification process which everything matched. I was not reminded nor asked if it was ok to pull my credit report and I did not give verbal permission to have my credit report pulled. I did not want any inquiries added to my credit report and due to the negligence of the representative all he could say was that I knew it when I opened the account. That is not the point, He was either supposed to ask me or remind me. He could have said You are aware that I will have to pull your credit or he could have reminded me that it is Bank of America 's policy that he would have to pull the credit report. they worry about the privacy act but yet what about my rights as not only a customer but a consumer. My rights have been violated and what is the purpose of the verification act that I had to go thru and he could not answer that all he could say that I needed to get my fraud alert removed from my credit file. That is my right and people have fraud alerts for various reasons and mine happens to be by mistake so why was my rights violated. The representative never once mentioned it in the conversation and he could not say anything about pulling my credit report. I will fight this, I am going to file a formal complaint with Bank of America. Regardless whether it is in the terms the representative of any bank is to verbally and or written permission when it comes to pulling a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I believe that the timeline is officially over on the account in reference, and that the Consumer Financial Protection Bureau must be part of this process. I am also submitting a hard copy dispute to both the creditor and Experian. There is no other option at this time but a complete removal of the referenced account permanently.

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 2017-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
My bank account was grossly mishandle. I called customer service at Bank of America to ask for a loan for my hearing aid. The representative over the phone told me about a XXXX LOAN. I trusted what they told me and I thought that I was getting an interest free loan for {$5000.00} which could be paid off monthly over the course of a year which would be deposited to my checking account. Instead a CASH ADVANCE was deposited to my checking account and then withdrawn without my knowledge resulting in an OVERDRAFT PROTECTION and OVER DRAFT FEE on top of all of this. THIS IS NOT WHAT I WANTED. I ended up returning the XXXX and the {$5000.00} was returned to Bank of America from the merchant but I am still suffering interest debt and emotional and financial distress as a result of this mishap.

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 2015-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went in to Bank of America to open a account. I was told by the branch manager that my name and social security number was showing up XXXX. I was then giving a phone number XXXX to call. I call the number and the person answering the other line, searched the information I 've giving them. An I was told my name and social was not XXXX, but on the Branch Managers computer inside of Bank of America was stating I was not able to open a bank account. The Branch Manager and the person XXXX spoke on the phone to one another and at the end of their conversation. I was still not allow to open account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
To Whom It May Concern : I 'd like to register this complaint regarding my past XXXX and initial phone calls to Bank of America Credit Card services. I recently opened a line of credit with them and have been wanting to do a balance transfer. XXXX call was made 2 weeks ago, XXXX calls have been placed this week, XXXX two days ago during evening and XXXX a few minutes ago, a Friday afternoon. I was told by an automated system message that the waiting time was between XXXX to over 2 hours. Last time I was told the same and offered a callback. This lack of service must be in violation of the company/corporations minimal service threshold. As a XXXX who helped push for the creation of the CFPB, I seek your help in having this issue addressed or filed.

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 2016-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America did receive written Notice via Certified Mail that the alleged mortgage debt was in DISPUTE in accordance with FDCPA guidelines. The Bank failed to validate the debt within 30 days as required by the FDCPA, therefore admits to not being a party of interest, and can not collect on the alleged debt. 

Despite receiving subsequent Notices, the Bank has continued to report an unvalidated debt to the credit bureaus in violation of the FCRA, and has not removed the lien as required. The Bank is also violating the Uniform Federal Lien Registration Act, which states that the Notice of Lien requires that the notice be certified and signed by the Secretary of the Treasury of the United States or his or her delegate. The Bank would need to provide the documents evidencing they have that have a bona-fide written signature showing authority for lien attachment. A signature stamp, with no first or middle name, or with one initial and a last name does not constitute a bona-fide signature or bona-fide presentment.

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 2017-04-03
Company: Ideal Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I just learned that I have an account in collections with this company. I do not have an account number or any other identifying information since I have not received any contact from this company. They are collecting on behalf of XXXX XXXX XXXX, an apartment complex that I no longer reside at. My family left XXXX XXXX on bad terms and they charged us for a number of items which we disputed but to no avail. In the end we sent a check to the company and we heard nothing further so we assumed there was no further action needed. We have n't received any dunning notice, verification of debt, notice to dispute from Ideal Collections Services therefore we were n't able to dispute the debt or even request verification. When I contacted the company I was told that because I do n't have an account number they would not be able to look into it but that they would " continue to pursue me '' for the debt and " most likely '' we will be sued. Threats and other improper communication tactics being used are violating my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a modification on my mortgage with ocwen back in XX/XX/XXXX. I am the sole borrower on the initial and present loan on my home. To this date, I have received the same modification agreement to sign XXXX times. Ocwen is requesting that I have my spouse that I separated from in XX/XX/XXXX, that is not on my initial or present loan/credit application for my home, a person that I have no information on his whereabouts to sign the modification agreement. I have spoken to an attorney who has advised that Ocwen does not have a legal right to request information on someone that is not on the loan/credit application. I asked my relationship manager, XXXX XXXX if I could have a direct number to the departlment that I could pose the question " regarding separated spouses and the how it would affect the modification agreement ''. He stated they did not have a direct phone number and that inquiries had to be emailed, which I think is not fair to a customer that has speculations on the information that they are being given about a particular subject matter. I also have concerns that my payments are not being posted correctly to my account. They are listed as supense payments. My concern is that since the payments are not being posted, and if the modification is denied due to my not being able to provide a signature from a person Ive been separated and not seen in 13 years, the interest and late fees are continuing to ballon and cause my payments to unaffordable. Im and 99.9percent sure there must be a clause that in the modification programs that applies to my particular situation but am not sure what it is. I also think late charges and interest compounded during this process should be waved. I have done my part as a consumer in signing the necessary papers as the sole and only borrower on my initial and current loan documents. Ocwen requiring information on someone that is not on the credit application is illegal. I have also read reviews how they have canelled the loan on customers that have requested help through available agencies. I hope this will not be the case. I hope they will be fair and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
ref : XXXX. 
On XXXX/XXXX/2015 I sent the claims package with the signed check to Ocwen, paid extra money to get the money returned to me overnight. Ocwen deposited the money and my statement shows the money applied as of XXXX/XXXX/2015. 
I have called XXXX XXXX 3 times and left messages without getting any return phone call. I started the work needed, had I not done that, I would have been flooded twice. 
Just how much time do they need to return some money ( my money ) to me. What is the proper procedure from here. This problem now is going on 3 years, enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX XXXX filed a lawsuit against me in XXXX, 2015 even though the Statute of Limitations had expired. XXXX See attached copy of my letter to the arbitrator. ) It cost me {$240.00} to file an Answer in which I pointed out the fact that the SOL has expired, but a Judge in the XXXX Court of XXXX XXXX, AZ sent the case to an arbitrator anyway. The case is still pending and an arbitration hearing was scheduled for today, but PRS 's attorney decided to play by the rules and demanded 30-days notice, so the hearing has been continued but not yet rescheduled. 

I saw your lawsuit against PRS and the order that they dismiss all lawsuits filed after the expiration of the SOL, but these people are completely ignoring that Order and proceeding with this case against me anyway. What can I do to end this lawsuit AND get my {$240.00} back? Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold from Indymac to Ocwen in XX/XX/XXXX. My monthly payment went from {$4100.00} to {$4100.00}. I understand impounds, and realize they adjust with insurance and prop.taxes. This year I received and increase of {$230.00} a month. That is {$2800.00} a year! When I requested an analysis of my escrow acct. I see a double charge for Home Owner insurance, XXXX in XXXX and XXXX in XXXX. I changed H.O. Ins.a as of XX/XX/XXXX from XXXX to XXXX. On XX/XX/XXXX I spoke to XXXX ( Ocwen ID XXXX ). She agreed there was a need to go to loan serving to address the issue. I requested a breakdown of the account and to correct the issue. I called again XX/XX/XXXX and spoke to XXXX ( ID XXXX ) He said they did there checking and the increase stands. I have not received an satisfactory explanation or someone who can explain to me how this can be the case when my policy only went up {$620.00} for the year I called XXXX to verify, that the annual policy was {$2300.00}, from XXXX XX/XX/XXXX. I canceled the policy on XX/XX/XXXX, and received a refund of {$450.00} from XXXX. This is because Ocwen was only sending monthly payments of {$140.00} per month. Did Ocwen not credit me for the policy I paid them for? Can you help me??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Ocwen Financial Corporation
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Ocwen contacted me by mail in reference to a debt your firm alleged that we owe monthly payments from XXXX XXXX thru XXXX XXXX, XXXX on our property I discovered this week from the XXXX that XXXX filed and recorded a Satisfaction of Mortgage on XXXX XXXX, XXXX and stated that the loan was not been assigned and has been paid in full.. This action stemmed from a Department of Justice lawsuit targeting XXXX XXXX in XXXX and XXXX. As a courtesy, I 've attached the information. 


I would like more information about this alleged debt. Accordingly, pursuant to 23 NYCRR 1.4, Substantiation of Consumer Debts, I kindly request that you provide me with substantiation of this debt. 

Pursuant to the regulation, 23 NYCRR 1.4 ( c ), for all charged-off debts, substantiation should consist of : 1. The signed contract or application that created the debt, or, if neither exists, a copy of a document given to the alleged debtor while the account was active, demonstrating that the debt was in fact incurred by the debtor. If the debt was incurred under a revolving credit account, this could include the most recent monthly statement showing a purchase, payment, or balance transfer ; and 2. The account statement at charge-off, or equivalent document, that the original creditor issued to the consumer ; and 3. A statement describing the debt 's complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale and transfer ; and 4. Records showing the amount and date of any prior debt settlement agreement in connection with the debt agreed to after the effective date of these regulations. 


The regulation further requires that you provide substantiation to me within 60 days of your receipt of this request for substantiation, and that in view of my request for substantiation, you must cease collection until substantiation has been provided. 23 NYCRR 1.4 ( b ). 

I 'm also requesting all monies that were paid you regarding the loan charges you are still attempting to collect on be refunded back to me by check in 30 days. Under Loan Charges '' Any sums collected from Borrower will be refunded This loan you are attempting to collect, has no enforceable interest. '' As stated in the Security Deed filed, recorded and was not certified by the XXXX XXXX XXXX to secure the note. 


Please send substantiation of the debt to :

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: First Associates Loan Servicing LLC
State: CA
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Account terms and changes

Complaint:
XXXX did not meet their delivery timeline. So I cancelled the order and they continue deduct money from me in XXXX 's when i cancelled XXXX XXXX. They are looking for me to jump through hoops for my refund, while they continues to take money out of my account. I have instructed the bank to place a stop payment for this debit. Called today and they are requesting after two months and no refund to send bank statements to show they have my money and it two month later.

Company response to consumer: Closed
Consumer complaint received 2015-07-03
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
AWA Collections is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Roycroft Management
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
they are contacting my job and family members threatening me that they would come to my job for a loan that has already been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: EQUIFAX, INC.
State: MA
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:
Equifax has merged my account with that of my sister 's. I asked for and received a free credit report that had my name on it, but my sister 's date of birth and social security number ( which is similar to mine ), and her student loans were mixed in with the loans that belong to me-I believe this is called a " mixed file ''. 
I called Equifax to have this resolved and was told that they could not verify my identity ( I'm assuming due to the file being mixed up ) and that I would need to send a letter explaining the problem to their Dispute Department. I did as I was told and mailed my complaint including copies of documents that clearly showed the mix-up, as well as documents that confirmed my identity ( SSN card and driver 's license ). I received a letter back letting me know that my identity could not be confirmed. 
I called Equifax again and the exact same thing happened-they couldn't confirm my identity and told me that the only step I could take was to send a letter to their Dispute Department again. 
I've attached the pertinent documents below, including a paper from the original report which shows my name but my sister 's date of birth and SSN.

Company response to consumer: Closed with explanation